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1、1Legal Updates1.Notice of the Peoples Bank of China on Further Strengthening the Administration of Prepaid Card Business (Yin Fa 2012 No.234)2.Administrative Measures for the Prepaid Card Business of Payment Institutions (Announcement 2012 No. 12 of the Peoples Bank of China)3.Measures for the Admin
2、istration of Single-purpose Commercial Prepaid Cards (for Trial Implementation) (Decree No. 9 2012 of the Ministry of Commerce)近年来，由于信息技术的发展和小额支付服务市场创新的客观需要，商业预付卡市场发展迅速，商业预付卡在减少现钞使用、便利公众支付、刺激消费等方面发挥了一定作用。为规范商业预付卡管理、严肃财经纪律、防范金融风险、促进反腐倡廉，中国人民银行从 2010 年开始连续出台多部法令和公告，比如，2010 年 6 月和 12 月中国人民银行先后发布了非金融机构支
3、付服务管理办法 （中国人民银行令2010第 2 号，以下简称“2 号令” ）和非金融机构支付服务管理办法实施细则 （中国人民银行公告2010第 17 号，以下简称“17 号公告” ） ，此后，2011 年 5 月中国人民银行等七部门发布了关于规范商业预付卡管理的意见 （以下简称“25 号文” ） 。In recent years, the market of commercial prepaid cards has witnessed rapid growth to adapt to the development of information technology and the objec
4、tive market innovation needs of micro-payment services. On the whole, commercial prepaid cards have been helpful to a certain extent in reducing the use of cash, facilitating the payment, and stimulating consumption. With a view to regulating the administration of commercial prepaid cards, enforcing
5、 financial and economic discipline, guarding against financial risks, promoting anti-corruption and advocating clean governance, the Peoples Bank of China has put forward several decrees and announcements since 2010, such as the Measures for the Administration of Payment Services of Non-Financial In
6、stitutions (Decree No. 2 2010 of the Peoples Bank of China, hereinafter referred to as “Decree No. 2”) in June 2010 and the Implementing Regulations of the Measures for the Administration of Payment Services of Non-Financial Institutions (Announcement No. 17 2010 of the Peoples Bank of China, herein
7、after referred to as “Announcement No. 17”) in December 2010; afterwards, seven departments including the Peoples Bank of China issued the Opinions on Regulating the Administration of Commercial Prepaid Cards (Guo Ban Fa 2011 No. 25, hereinafter referred to as “Document No. 25”) in May 2011.2With a
8、view to implementing Order No. 2 and Document No. 25, maintaining the order of the payment service market and further strengthening the administration of prepaid card business, the Peoples Bank of China issued the Notice of the Peoples Bank of China on Further Strengthening the Administration of Pre
9、paid Card Business (Yin Fa 2012 No. 234, hereinafter referred to as “Document No. 234”) on September 26, 2012 and the Administrative Measures for the Prepaid Card Business of Payment Institutions (Announcement No. 12 2012 of the Peoples Bank of China, hereinafter referred to as “Announcement No. 12”
10、) on September 27, 2012. Before that, the Ministry of Commerce also issued the Measures for the Administration of Single-purpose Commercial Prepaid Cards (for Trial Implementation) (Decree No. 9 2012 of the Ministry of Commerce, hereinafter referred to as “Decree No. 9”) in September 21, 2012. The f
11、ollowing reviews are mainly focused on Announcement No. 12 and Decree No. 9. 为落实 2 号令和 25 号文，维护支付服务市场秩序，进一步加强预付卡业务管理，中国人民银行于 2012 年 9 月 26 日和 27 日，连续发布了中国人民银行关于进一步加强预付卡业务管理的通知 （银发2012234 号，以下简称“234 号文” ）和支付机构预付卡业务管理办法 （中国人民银行公告2012第 12 号，以下简称“12 号公告” ） ；在此之前，商务部也于 2012 年 9 月 21 日发布了单用途商业预付卡管理办法（试行）
12、（商务部令2012第 9 号，以下简称“9 号令” ） ，下文主要对 12 号公告和 9 号令进行评述。1关于“预付卡”的定义和分类 Definition and Classification of Prepaid CardsDecree No. 2 and Announcement No. 17 have regulated the framework of payment services of non-financial institutions by stipulating that prepaid cards refer to cards or pins issued with va
13、lue stored using technologies such as magnetic stripes and chips which can be used to purchase goods and services provided not by the card issuer with the purpose of gaining profits, however excluding: (1) prepaid cards for the sole purpose of issuing social security benefits; (2) prepaid cards for
14、the sole purpose of using public transportation; (3) prepaid cards for the sole purpose of paying phone bills and other communications fees; and (4) prepaid cards of which the issuing institution and the contracted merchant belong to the same legal person. These restrictions are reflected in Documen
15、t No. 25 in that “commercial prepaid cards are divided into two types categorized by card issuers: the first is the multi-purpose prepaid cards issued by specialized card issuers that may be used by multiple legal persons in multiple regions and for multiple sectors; the other is the 3single-purpose
16、 prepaid cards issued by commercial enterprises that can only be used for purchasing goods and paying for services in the card issuing enterprises or the chain commercial enterprises sharing the same brand.”2 号令和 17 号公告以框架性的形式对非金融机构支付服务进行了规范，规定了“预付卡”是指以营利为目的发行的、在发行机构之外购买商品或服务的预付价值，包括采取磁条、芯片等技术以卡片、密码等形式发行的预付卡，但不包括：（一）仅限于发放社会保障金的预付卡；（二）仅限于乘坐公共交通工具的预付卡；（三）仅限于缴纳电话费等通信费用的预付卡；（四）发行机构与特约商户为同一法人的预付卡。 ”这种限定性体现在 25 号文时，将预付卡“按发卡人不同可划分为两类：一类是专营发卡机构发行，可跨地
