Shanghai individual industrial and commercial households are prohibited from issuing single purpose -519697

Shanghai: a ban on individual commercial and commercial households issuing single use commercial prepaid cards: Shanghai intends to prohibit individual businesses from issuing single use commercial prepaid cards to deposit a sum of money, and then slowly consumption, usually with an attractive discount…… More and more businesses are offering this single purpose commercial prepaid card. However, in recent years, the consumer complaints are increasing, the business volume of running away events frequently, and even malicious fraud. This phenomenon will be curbed in Shanghai. In September 27th, the Standing Committee of the Shanghai Municipal People’s Congress carried out supervision and inspection on the work of Representatives’ suggestions on strengthening the management of commercial prepaid cards. Shanghai Municipal Commission of Commerce revealed at the meeting, is currently working on the development of relevant management measures in Shanghai City, intends to improve the issuing threshold, enhance the transparency of information issuing, compulsory insurance system three aspects to improve the system construction, strengthen the management of single use commercial prepaid cards. In addition, the Shanghai City Organization Committee Office of the relevant person in charge told the surging news, recently, the office has issued a notice to the single purpose prepaid card business administrative punishment from the responsibilities placed under the Department of Commerce to the business sector, straighten out the division of responsibilities, to provide system security management system in the future. This year, Shanghai prepaid card complaints increased by 22% over the past few years, Shanghai single use commercial prepaid card disputes constantly, frequently burst business volume run away and even fraud, increasing social concern. In September 27th, the Standing Committee of the Shanghai Municipal People’s Congress carried out supervision and inspection on the work of Representatives’ suggestions on strengthening the management of commercial prepaid cards, and the relevant departments of several cities came to the scene to introduce the relevant situation. Said the unit in charge of Shanghai business sector, although the single purpose prepaid card business has taken a number of measures, but the effect is not obvious, which is mainly reflected in: enterprise record low proportion of hidden dangers, beauty salons and other fields; and the system is not perfect, it is difficult to control risks. Shanghai business department introduced, since 2016 July, with the industrial and commercial departments to carry out special governance activities, row and touch the key industry related circumstances. Preliminary data show that as of the end of July, Shanghai city’s beauty salons and bath (including foot) related market 17375. In the main market, there are 13587 individual industrial and commercial households, accounting for 78%, in all market players, the issuance ratio of about 42.3%. Liu Min, deputy director of the Shanghai Municipal Commission of Commerce said, the market main body, can be incorporated into the Ministry of Commerce "single purpose prepaid card business management approach (Trial)" (hereinafter referred to as the "management measures") only about 25% management category, the issuer is a large number of individual industrial and commercial households, not included in the management, which is an important source of consumption the occurrence of disputes. Liu Min also said that the "management measures" in the management of records, prepaid funds management and other key links are lack of coercive measures, the binding restrictions on the card issuers. In addition, the lack of enforcement deterrence, the "management measures" stipulated the highest penalty of 30 thousand yuan, the lack of stop issuing behavior, revocation of business license and other coercive measures, limited efforts. Shanghai industrial and Commercial Bureau revealed that, this year, the Bureau of the 12315 platform for dealing with single use commercial prepaid card consumer complaints 7702, an increase of 22%. On)

上海:拟禁止个体工商户发行单用途商业预付卡 上海:拟禁止个体工商户发行单用途商业预付卡 预存一笔资金,然后慢慢消费,通常有着诱人的折扣优惠……越来越多的商户开始发售这种单用途商业预付卡。然而,近年与此有关的消费投诉却日益增多,商家卷款跑路事件频发,甚至出现恶意诈骗的情况。 这一现象在上海或将得到遏制。9月27日,上海市人大常委会就“关于加强商业预付卡管理”方面的代表建议工作进行督办检查。上海市商务委在会议上透露,目前正在研究制定上海市相关管理办法,拟从提高发卡门槛,增强发卡信息透明,健全强制保险制度三方面入手完善制度建设,加强对单用途商业预付卡的管理。 此外,上海市机构编制委员会办公室相关负责人向澎湃新闻透露,近日编办已下发通知,将单用途商业预付卡的行政处罚职责从商务部门划归到工商部门,理顺职责分工,争取为将来长效管理机制提供制度保障。 今年以来上海预付卡投诉同比增22% 近几年来,上海市单用途商业预付卡争议不断,频频爆出商家卷款跑路乃至诈骗事件,日益受到社会关注。9月27日,上海市人大常委会就“关于加强商业预付卡管理”方面的代表建议工作进行督办检查,多个市相关部门到场介绍了相关情况。主管单位上海市商务部门表示,虽然就单用途商业预付卡已采取多项措施,但目前成效不明显,这主要体现在:企业备案比例低,美容美发等领域隐患突出;以及制度不够健全,风险隐患难以管控。 上海市商务部门介绍,2016年7月份以来,其与工商部门一起开展了专项治理活动,排摸了重点行业相关情况。初步数据显示,截至7月底,上海全市有美容美发和沐浴(含足浴)相关市场主体17375家。上述市场主体中,个体工商户有13587家,占比78%,所有市场主体中,发卡比例约42.3%。 上海市商务委员会副主任刘敏说,上述市场主体中,能纳入商务部《单用途商业预付卡管理办法(试行)》(下简称《管理办法》)管理范畴的仅25%左右,大量发卡主体属个体工商户,无法纳入管理,而这正是消费矛盾纠纷发生的重要源头。刘敏还表示,《管理办法》中有关备案管理、预付资金管理等重点环节均缺乏强制措施,对发卡企业约束力有限。此外也存在执法威慑力不足的情况,《管理办法》规定的罚款最高3万元,缺少停止发卡行为、吊销营业执照等强制措施,力度有限。上海市工商局透露,今年以来,该局12315平台共处理单用途商业预付卡消费投诉7702件,同比增长22%。上海市工商局副局长胡浩介绍,目前《管理办法》覆盖范围有限,仅限于“零售业、居民服务业、住宿和餐饮业”三大行业的企业法人,对问题日益突出的体育健身、教育培训、文化娱乐等预付消费领域以及非企业法人,约束制度却还是空白,行政部门无法可依。 正制定地方办法拟提高发卡门槛针对愈演愈烈的预付卡乱象,上海或将出台严苛的地方管理办法予以遏制。上海市商务委透露,目前正在研究制定上海市单用途商业预付卡管理办法,拟从提高发卡门槛、增强发卡信息透明度和健全强制保险制度三方面入手完善制度建设。 在提高发卡门槛方面,鉴于美容美发、沐浴(含足浴)等生活服务行业大部分发卡主体为个体工商户,“上海办法”拟禁止这类个体工商户发行单用途商业预付卡。对拟发卡的企业法人,则从企业经营规模、盈利能力、信用状况、信用系统管理等方面设置准入门槛进行备案,未备案的不得发卡。 在提升发卡信息透明度方面,市商务委将牵头搭建单用途商业预付卡协同监管信息平台,强制要求发卡企业业务系统与协同监管平台对接,监管部门实时掌握发卡企业的发卡信息,为加强发卡企业预付资金管理创造条件。 在健全强制保险制度方面,发卡企业必须投保单用途商业预付卡履约保证保险,通过保险公司参与,建立单用途商业预付卡风险市场化解机制。此外,上海市编办相关负责人透露,近日已下发通知,将单用途商业预付卡行政处罚职责从商务部门划归到工商部门,理顺职责分工,争取为将来长效管理机制提供制度保障。 上海市公安部门相关负责人也表示,将与商务和工商部门加强“行刑衔接”,对违法行为加大打击力度,“做到有一起,打击一起。”人大代表建议引入诚信机制在督办会议现场,多位上海市人大代表还建议尽快启动立法程序,将对商业预付卡的管理纳入法治轨道。上海市人大代表柏万青提出建立完善的备案制度,引入诚信机制等多条建议。她认为,应当加强事中事后监管,而对于造成严重影响的,除了对违法企业进行处理,还要对失职部门进行追责。 上海市人大代表钱翊梁则认为,目前的惩罚上限过低,而执法成本过高,这一点应当尽快得以突破。他还建议,发生类似跑路事件这种违约行为的企业,企业股东和主要经营者也要承担连带责任。 钱翊梁建议,应借用已有的网络数据,引入诚信机制,对商业预付卡违约行为记录在案,并予以曝光。动动手指,随时查询交通违法! 扫一扫下方二维码,关注腾讯大申网! 欢迎关注腾讯大申网微信(微信号:dashenw)相关的主题文章: