本报记者 任晓

Our reporter RenXiao

　　央行日前发布《支付机构预付卡业务管理办法》。明确预付卡定义和《办法》适用范围，对支付机构预付卡发行、受理、使用、充值和赎回等环节进行全面规范，提出严格的业务监管要求。《办法》要求不记名预付卡资金限额不超过1000元。

The central bank has issued[Payment mechanism prepaid card business management measures].Clear definition and prepaid card[way]scope,Of the payment mechanism prepaid card issuance/accept/use/Replenishing and redemption and other links to conduct a comprehensive standard,Puts forward strict business regulatory requirements.[way]Requirements bearer prepaid card capital rationing not more than 1000 yuan.

　　坚持引导预付卡在小额便民支付领域发挥积极作用。《办法》要求不记名预付卡资金限额不超过1000元；鼓励发行记名预付卡，赋予记名预付卡持卡人在挂失、赎回等方面更多权利；允许面值200元以下的预付卡通过风险可控的销售合作机构代理销售和充值；允许预付卡通过网络支付渠道缴纳公用事业费等小额便民支付。

Adhere to the guide prepaid card in payment for the convenience of the small areas play a positive role.[way]Requirements bearer prepaid card capital rationing not more than 1000 yuan;Encourage issue registered prepaid card,Give registered prepaid card cardholder in report the loss of STH/Redemption, etc more rights;Allow face value of 200 yuan of the following prepaid card through the risks are controllable sales cooperation mechanism agent sales and replenishing;Allow prepaid card through the network to pay channels to pay utilities, etc for the convenience of the small payment.

　　坚持严格规范预付卡市场秩序。在发行方面，《办法》继续强调购卡实名制度、非现金购卡制度以及限额发行制度等规定，坚持发行销售的属地化管理要求，坚持预付卡与银行卡的互补发展定位，禁止采用银行卡清算机构分配的发卡行标识代码发行预付卡以及支付机构之间合作发卡。在受理方面，要求发卡机构自行拓展、签约和管理的特约商户数不少于该预付卡全部受理商户数的70%；受理机构应当获得预付卡发卡机构的委托。在使用、充值和赎回方面，强调除缴纳公用事业费用等小额便民支付外，预付卡不得用于网络支付渠道；明确了充值途径、查询渠道、挂失和赎回手续等，强调充值、挂失和赎回的实名要求。

Adhere to the strict prepaid card market order.In the issue in,[way]Continue to emphasize the real name system/Non-cash the system and limitation of the system for issuing provisions, etc,Adhere to the issue sales of local administrator requirements,Adhere to the prepaid card and bank CARDS, the complementary development orientation,Prohibit the bank card clearing agency distribution of the issuer identification code issued prepaid card and pay agency cooperation between hairpin.In the accepted aspects,For issuers to expand/Signing and management of special merchant number of not less than the prepaid card all accept 70% of the number of merchants;An accepting institution shall obtain prepaid card issuers entrusted.In the use of/Replenishing and redemptive aspects,Emphasize in addition to pay utilities expenses paid for the convenience of the small outside,Prepaid card shall not be used for network pay channels;Clear the rechargeable way/Inquires the channel/Report the loss of STH and redemptive procedure and so on,Emphasize rechargeable/Report the loss of STH and redemptive real name requirements.