事实上，早在2012年9月，商务部就发布了绍兴高防服务器《单用途商业预付卡管理办法（试行）》，要求发卡企业在开展单用途卡业务之日起30日内前往各级商务主管部门备案，并对相关企业实行资金存管制度，按预收资金的一定比例向商业银行存入存管资金，一旦违规，便可对企业形成约束。2015年7月，商务部还就修订单用途商业预付卡管理办法向社会征求意见。
据统计，2014年国内多用途和单用途预付卡销售规模为9068.8亿元，有关部门估算，一半以上的份额已经人民银行批准或商务部备案，但仍有大量发卡行为未纳入监管。据记者了解到，《单用途商业预付卡管理办法》要求的对象是具有法人资格的企业，并不包括个体户。而日常生活中消费者遇到预付卡纠纷比较多的，还183.131.212就是这些餐饮机构、美容院、汽车护理等居民服务业的个体商户。由于缺乏监管，预付卡成了商家和消费者产生纠纷的“温床”。
此外，目前还缺乏针对商家信用的监控体系。记者了解到，目前仅江苏、深圳等少数省市地区试行或者正在规划预付款消费逃逸的企业黑名单公示制度。不过，业内人士认为其所能发挥的作用比较有限。中国人民大学财政金融学院信用管理专业教授吴晶妹就曾谈到，包括黑名单在内的信用记录应用不够普遍，而且发布不及时、不广泛，公众很难甚至无从知晓。
专家认为，预付卡消费模式在各地已十分普遍，但市场主体发预付卡无准入门槛，相关法规缺乏强制力，事后监管又普遍疲软。这给市场主体通过滥发预付卡大肆圈钱、非法集资、恶意诈骗等提供可乘之机。杜绝预付卡乱象首先应建立在广泛的备案摸底基础上，将街头巷尾的“小店”纳入监管范围61.153.110，也有业内人士建议要制定和实施预付卡发行审核制度，由商务部门负责发卡主体的资格审核，将发卡主体的短期偿债能力、商业履约情况、社会信用水平等要素纳入审核范畴。
充值金额别太大
去年11月，全国人大常委会执法检查组关于检查金华高防服务器《中华人民共和国消费者权益保护法》实施情况的报告提请全国人大常委会审议，报告显示，一些新的消费领域缺乏有效规制，预付卡消费领域问题突出。报告指出，预付卡消费是由消费者一次性支付费用，经营者分次提供商品或服务的消费模式，存在一定风险。一是发行预付卡的企业量大面广，涉及资金较大，个别商家利用其变相融资、集资甚至诈骗；二是约定不明导致服务缩水。
目前，消费者遇到预付卡消费纠纷时，主要还是依照《中华人民共和国消费者权益保护法》来维护自身合法权益。就前述广州市消委会提及的预付卡案例而言，据《消费者权益保护法》第41条规定，消费者在购买、使用商品或者接受服务时，其合法权益受到损害，因原企业分立、合并的，可以向变更后承受其权利义务的企业要求赔偿。广州市消委会分析，消费者以预付卡的形式购买了美容中心的服务，该中心转让后，新商家仍以原店名对外经营，且也曾承诺继续为旧会员提供服务，即表示新商家承接了原美容中心的权利义务。对于新商家借故拒绝为旧会员提供服务的行为，消费者可以投诉至消费者热线来维护自身合法权益。
随着春节的临近，节前也是各类年货、餐饮、旅游、美容美发等行业的消费高峰期，一些商家会借此时段启动销售额的大冲刺，预付卡消费模式的占比也日益增加。有的商家会利用消费者贪图便宜的心理，以能给出更多优惠为诱饵，诱导消费者先付款、后消费。但是，预付方式容易让消费者处于被动地位，丧失主动权，再加上商家服务水平参差不齐、部分商家信用缺失等原因，所谓优惠很有可能变成陷阱。
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0来源：绍兴高防服务器