ag真人app

  

中华人民共和国商务部令2012年第9号 《单用途商业预付卡管理办法(试行)》

发布日期: 2017-10-29 16:00:00 来源:ag真人app_Ag真人app下载 广州市商务委 字号:

《danyongtushangyeyufukaguanlibanfa(shixing)》yijing2012nian8yue24rishangwubudi68cibuwuhuiyishenyitongguo,xianyugongbu,zi2012nian11yue1riqishixing。

 

部长: 陈德铭
2012年9月21日

 

danyongtushangyeyufukaguanlibanfa(shixing)

diyizhang zong ze

diyitiao weijiaqiangdanyongtushangyeyufukaguanli,weihudangshirenhefaquanyi,fangfanzijinfengxian,genjuyouguanfalvfagui,zhidingbenbanfa。

diertiao congshilingshouye、zhusuhecanyinye、juminagzhenrenappye(jutixingyefenleibiaojianfujian1)deqiyefarenzaizhonghuarenmingongheguojingneikaizhandanyongtushangyeyufukayewushiyongbenbanfa。

benbanfasuochengdanyongtushangyeyufuka(yixiajianchengdanyongtuka)shizhiqiankuanguidingdeqiyefaxingde,jinxianyuzaibenqiyehuobenqiyesuoshujituanhuotongyipinpaitexujingyingtixineiduifuhuowuhuoagzhenrenappdeyufupingzheng,baokuoyicitiaoka、xinpianka、zhiquandengweizaitideshitikaheyimima、chuanma、tuxing、shengwutezhengxinxidengweizaitidexunika。

ag真人appdisantiao jituanfakaqiyeshizhifaxingzaibenjituanneishiyongdedanyongtukadejituanmugongsi。jituanshizhiyoutongyiqiyefarenjueduikonggudeqiyefarenlianheti。

ag真人apppinpaifakaqiyeshizhifaxingzaitongyipinpaitexujingyingtixineishiyongdedanyongtuka,qieyongyougaipinpaideqiyebiaozhihuozhuceshangbiao,huozhejingshouquanyongyougaiqiyebiaozhihuozhuceshangbiaopaitashiyongquandefarenqiye。tongyipinpaitexujingyingtixishizhishiyongtongyiqiyebiaozhihuozhuceshangbiaodeqiyefarenlianheti。

ag真人appshoukaqiyeshizhijituanfakaqiyehuopinpaifakaqiyezhidingdechengdandanyongtukaxiaoshou、chongzhi、guashi、huanka、tuikadengxiangguanyewudebenjituanhuotongyipinpaitexujingyingtixineideqiye。

ag真人appdisitiao guimofakaqiyeshizhichujituanfakaqiye、pinpaifakaqiyezhiwaidefuhexialietiaojianzhiyideqiye:

(yi)shangyihuijiniandunianyingyeshouru500wanyuanyishang;

(er)gongshangzhucedengjibuzuyinian、zhucezibenzai100wanyuanyishang。

shangwubukeyigenjujutiqingkuangdiaozhengguimofakaqiyebiaozhun,yigonggaodexingshigongbu。

diwutiao shangwubufuzequanguodanyongtukaxingyeguanligongzuo。xianjiyishangdifangrenminzhengfushangwuzhuguanbumenfuzebenxingzhengquyuneidanyongtukajianduguanligongzuo。

ag真人appdiliutiao danyongtukaxingyezuzhianzhaozhangchengweiqichengyuantigongxinxizixunhexuanchuanpeixundengagzhenrenapp,fahuixingyezilvzuoyong。

第二章 备 案

ag真人appdiqitiao fakaqiyeyingzaikaizhandanyongtukayewuzhiriqi30rineianzhaoxialieguidingbanlibeian:

(yi)jituanfakaqiyehepinpaifakaqiyexiangqigongshangdengjizhucedisheng、zizhiqu、zhixiashirenminzhengfushangwuzhuguanbumenbeian;

ag真人app(er)guimofakaqiyexiangqigongshangdengjizhucedishequdeshirenminzhengfushangwuzhuguanbumenbeian;

ag真人app(san)qitafakaqiyexiangqigongshangdengjizhucedixian(shi、qu)renminzhengfushangwuzhuguanbumenbeian。

ag真人appdibatiao fakaqiyeyingxiangbeianjiguantijiaoxialiecailiao:

ag真人app(yi)《danyongtukafakaqiyebeianbiao》;

(er)《qiyefarenyingyezhizhao》(fuben)fuyinjian;

(san)zuzhijigoudaimazhengfuyinjian;

fakaqiyeweiwaishangtouziqiyede,haiyingtijiaowaishangtouziqiyepizhunzhengshufuyinjian。

ag真人app《danyongtukafakaqiyebeianbiao》keyicongbeianjiguanchulingquhuotongguoshangwubuzhengfuwangzhan()xiazai (geshijianfujian2)。

ag真人appdijiutiao guimofakaqiyechutijiaobenbanfadibatiaoguidingdecailiaowai,haiyingxiangbeianjiguantijiaoxialiecailiao:

(yi)jingshenjijigoushenjideshangyinianducaiwubaobiao(jiagaigongzhang),dangongshangzhucedengjibuzuyiniandeguimofakaqiyechuwai;

(er)shitikayangben(zhengfanmian)、xunikajizaidexinxiyangben;

(san)danyongtukayewu、zijinguanlizhidu;

ag真人app(si)danyongtukagoukazhangcheng、xieyi;

(wu)zijincunguanzhanghuxinxihezijincunguanxieyi。

ag真人appdishitiao jituanfakaqiyehepinpaifakaqiyechutijiaobenbanfadibatiaoguidingdecailiaowai,haiyingxiangbeianjiguantijiaoxialiecailiao:

(yi)jingshenjijigoushenjideshangyinianducaiwubaobiaojihebingcaiwubaobiao(jiagaigongzhang),dangongshangzhucedengjibuzuyiniandejituanfakaqiye、pinpaifakaqiyechuwai;

(er)shitikayangben(zhengfanmian)、xunikajizaidexinxiyangben;

ag真人app(san)danyongtukayewu、zijinguanlizhidu;

ag真人app(si)danyongtukagoukazhangcheng、xieyi;

(wu)zijincunguanzhanghuxinxihezijincunguanxieyi;

ag真人app(liu)yushoukaqiyeqiandingdexieyiwenbenjishoukaqiyeqingdan;

(qi)jituanfakaqiyetijiaojituanguquanguanxishuoming;pinpaifakaqiyetijiaoqiyebiaozhi、zhuceshangbiaosuoyouquanhuopaitashiyongquanzhengming。

dishiyitiao beianjiguanduiyibeiandefakaqiyeyuyibianhao,bingzaishangwubuhebeianjiguanzhidingdemeitishanggonggao,tigonggongzhongchaxunagzhenrenapp。

ag真人appdishiertiao beianshixiangfashengbiangeng、fakaqiyeleixinggaibianhuodanyongtukayewuzhongzhishi,fakaqiyeyingzaibianhuazhiriqi15gegongzuorineixiangbeianjiguanbanlibiangeng、zhuxiaoshouxu。

第三章 发行与ag真人app

dishisantiao qiyekefaxingjimingkahebujimingka,jimingkakeguashi。

fakaqiyeyingzaishitikakamianshangjizaifakaqiyemingchengjilianxifangshi、kahao、shiyongguize、zhuyishixiangdeng。jituanfakaqiyehaiyingbiaomingjituanmingcheng,pinpaifakaqiyeyingbiaomingtongyideqiyebiaozhihuozhuceshangbiao。xunikayeyingjizaishangshuxinxi。yibeiandefakaqiyekebiaomingbeianbianhao。

ag真人appdishisitiao fakaqiyehuoshoukaqiyeyinggongshihuoxianggoukarentigongdanyongtukazhangcheng,bingyinggoukarenyaoqiuqiandinggoukaxieyi。fakaqiyehuoshoukaqiyeyinglvxingtishigaozhiyiwu,quebaogoukarenzhixiaobingrenkedanyongtukazhangchenghuoxieyineirong。

ag真人appdanyongtukazhangchenghegoukaxieyiyingbaokuoyixianeirong:

(yi)danyongtukademingcheng、zhongleihegongneng;

(er)danyongtukagoumai、chongzhi、shiyong、tuikafangshi,jimingkahaiyingbaokuoguashi、zhuanrangfangshi;

(san)shoufeixiangmuhebiaozhun;

(si)dangshirendequanli、yiwu;

(wu)jiufenchuliyuanzeheweiyuezeren;

(liu)xiangguanfalvfaguiguizhangheguifanxingwenjianguidingdeqitashixiang。

ag真人appdishiwutiao gerenhuodanweigoumai(hanchongzhi,xiatong)jimingkade,huoyicixinggoumai1wanyuan(han)yishangbujimingkade,fakaqiyehuoshoukaqiyeyingyaoqiugoukarenjiqidailirenchushiyouxiaoshenfenzhengjian,bingliucungoukarenjiqidailirenxingminghuodanweimingcheng、youxiaoshenfenzhengjianhaomahelianxifangshi。

ag真人appgerenyouxiaoshenfenzhengjianbaokuojuminshenfenzheng、hukoubu、junrenshenfenzhengjian、wujingshenfenzhengjian、gangaotaijumintongxingzheng、huzhaodeng。danweiyouxiaoshenfenzhengjianbaokuoyingyezhizhao、shiyedanweifarenzhengshu、shuiwudengjizheng、zuzhijigoudaimazhengdeng。

dishiliutiao fakaqiyeheshoukaqiyeyingbaocungoukarendedengjixinxi5nianyishang。

fakaqiyeheshoukaqiyeyingduigoukarenjiqidailirendeshenfenxinxihejiaoyixinxibaomi,chufalvlingyouguidingwai,budexiangdisanfangtigong。

ag真人appdishiqitiao danweiyicixinggoumaidanyongtukajineda5000yuan(han)yishanghuogerenyicixinggoukajineda5wanyuan(han)yishangde,yijidanweihuogerencaiyongfeixianchangfangshigoukade,yingtongguoyinxingzhuanzhang,budeshiyongxianjin,fakaqiyehuoshoukaqiyeyingduizhuanchu、zhuanruzhanghumingcheng、zhanghao、jinedengjinxingzhubidengji。

fakaqiyeheshoukaqiyeyingyangeanzhaoguojiayouguanguidingkaijufapiao。

dishibatiao danzhangjimingkaxianebudechaoguo5000yuan,danzhangbujimingkaxianebudechaoguo1000yuan。

danzhangdanyongtukachongzhihouzijinyuebudechaoguoqiankuanguidingdexiane。

ag真人appdishijiutiao jimingkabudesheyouxiaoqi;bujimingkayouxiaoqibudeshaoyu3nian。

fakaqiyehuoshoukaqiyeduichaoguoyouxiaoqishangyouzijinyuedebujimingkayingtigongjihuo、huankadengpeitaoagzhenrenapp。

diershitiao shiyongdanyongtukagoumaishangpinhouxuyaotuihuode,fakaqiyehuoshouliqiyeyingjiangzijintuizhiyuanka。yuandanyongtukabucunzaihuotuihuohoukaneizijinyuechaoguodanyongtukaxianede,yingtuihuizhichikarenzaitongyifakaqiyedetongleidanyongtukanei。

tuihuojinebuzu100yuan(han)de,kezhifuxianjin。

ag真人appdiershiyitiaofakaqiyehuoshoukaqiyeyingyidanyongtukazhangchenghuoxieyiyueding,tigongtuikaagzhenrenapp。

ag真人appbanlituikashi,fakaqiyehuoshoukaqiyeyingyaoqiutuikarenchushiyouxiaoshenfenzhengjian,bingliucuntuikarenxingming、youxiaoshenfenzhengjianhaoma、tuikakahao、jinedengxinxi。

ag真人appfakaqiyehuoshoukaqiyeyingjiangzijintuizhiyutuikarentongmingdeyinxingzhanghunei,bingliucunyinxingzhanghuxinxi。kaneizijinyuebuzu100yuan(han)de,kezhifuxianjin。

ag真人appdiershiertiao fakaqiyezhongzhiduifuweidaoqidanyongtukade,fakaqiyeheshoukaqiyeyingxiangchikarentigongmianfeituikaagzhenrenapp,bingzaizhongzhiduifuriqianzhishao30rizaibeianjiguanzhidingdemeitishangjinxinggongshi。

第四章 资金管理

ag真人appdiershisantiao fakaqiyeheshoukaqiyeyingdingqiheduiyudanyongtukayewuxiangguandezhangwu,jishiduijiaoyishujujinxingjiluheqingsuan。

diershisitiao fakaqiyeyingduiyushouzijinjinxingyangeguanli。yushouzijinzhinengyongyufakaqiyezhuyingyewu,budeyongyubudongchan、guquan、zhengquandengtouzijijiedai。

diershiwutiao zhuyingyewuweilingshouye、zhusuhecanyinyedefakaqiye,yushouzijinyuebudechaoguoqishangyihuijinianduzhuyingyewushourude40%;zhuyingyewuweijuminagzhenrenappyedefakaqiyedeyushouzijinyuebudechaoguoqishangyihuijinianduzhuyingyewushouru;gongshangzhucedengjibuzuyiniandefakaqiyedeyushouzijinyuebudechaoguoqizhucezibende2bei。

jituanfakaqiyeyushouzijinyuebudechaoguoqishangyihuijiniandubenjituanyingyeshourude30%。

benbanfasuochengyushouzijinshizhifakaqiyetongguofaxingdanyongtukasuoyushoudezijinzonge,yushouzijinyueshizhiyushouzijinkoujianyiduifushangpinhuoagzhenrenappjiakuanhoudeyue。

ag真人appdiershiliutiao guimofakaqiye、jituanfakaqiyehepinpaifakaqiyeshixingzijincunguanzhidu。guimofakaqiyecunguanzijinbilibudiyushangyijiduyushouzijinyuede20%;jituanfakaqiyecunguanzijinbilibudiyushangyijiduyushouzijinyuede30%;pinpaifakaqiyecunguanzijinbilibudiyushangyijiduyushouzijinyuede40%。

diershiqitiao guimofakaqiye、jituanfakaqiyehepinpaifakaqiyeyingquedingyigeshangyeyinxingzhanghuzuoweizijincunguanzhanghu,bingyucunguanyinxingqiandingzijincunguanxieyi。

zijincunguanxieyiyingguidingcunguanyinxingduifakaqiyezijincunguanbilijinxingjiandu,duichaoediaoyongcunguanzijindezhilingyuyijujue,binganzhaobeianjiguanyaoqiutigongfakaqiyezijincunjiaoqingkuang。

diershibatiao guimofakaqiye、jituanfakaqiyehepinpaifakaqiyekeyishiyongdanbaoyushouzijindebaozhengbaoxian、yinxingbaohandengfangshichongdiquanbuhuobufencunguanzijin。

ag真人appdiershijiutiao guimofakaqiye、jituanfakaqiyehepinpaifakaqiyeyingzaijingneijianliyufaxingdanyongtukaguimoxiangshiyingdeyewuchulixitong,bingbaozhangyewuchulixitongxinxianquanheyunxingzhiliang。

fashengzhongdahuobukehuifudejishuguzhangshi,guimofakaqiye、jituanfakaqiye、pinpaifakaqiyeyinglijixiangbeianjiguanbaogao。

disanshitiaofakaqiyeyingjiangdanyongtukayewunarurichangguanli,zhidingyushouzijinjiesuan、fengxianguanli、richangjiandu、yingjichuzhidengzhidu。

ag真人appdisanshiyitiao guimofakaqiyeyingyumeijidujieshuhou15gegongzuorinei,jituanfakaqiyehepinpaifakaqiyeyingyumeijidujieshuhou20gegongzuorineidenglushangwubu“danyongtushangyeyufukayewuxinxixitong”,tianbaoshangyijidudanyongtukayewuqingkuang。qitafakaqiyeyingyumeinian1yue31riqiantianbao《fakaqiyedanyongtukayewubaogaobiao》(geshijianfujian3)。

fakaqiyetianbaodexinxiyingdangzhunque、zhenshi、wanzheng,budeguyiyinmanhuoxubao。

第五章 监督管理

disanshiertiao sheng、zizhiqu、zhixiashirenminzhengfushangwuzhuguanbumenyingzhidingzhuanxiangyingjiyuan,jijiyufang、tuoshanchulibenxingzhengquyuneishejidanyongtukayewudezhongdatufaxingshijian,bingjishishangbaoshangwubu。

ag真人appdisanshisantiaoshangwubuhedifangrenminzhengfushangwuzhuguanbumenyingduifakaqiyeheshoukaqiyededanyongtukayewuhuodong、neibukongzhihefengxianzhuangkuangdengjinxingdingqihuobudingqidexianchangjifeixianchangjiancha。fakaqiyeheshoukaqiyeyingpeiheshangwuzhuguanbumendejiancha。

disanshisitiaoshangwubuyingjianlijianquan“danyongtushangyeyufukayewuxinxixitong”。difangrenminzhengfushangwuzhuguanbumenyingchongfenyunyongxinxihuashouduanjiaqiangduifakaqiyedejianduguanli。

ag真人appdisanshiwutiaoshangwubuhedifangrenminzhengfushangwuzhuguanbumenyingtongguo12312shangwujubaotousuagzhenrenapppingtaijieshouyubenbanfayouguandejubaohetousu。

第六章 法律责任

disanshiliutiao fakaqiyeweifanbenbanfadiqitiaoguidingde,youweifaxingweifashengdixianjiyishangdifangrenminzhengfushangwuzhuguanbumenzelingxianqigaizheng;yuqirengbugaizhengde,chuyi1wanyuanyishang3wanyuanyixiafakuan。

ag真人appdisanshiqitiao fakaqiyehuoshoukaqiyeweifanbenbanfadishisitiaozhidiershiertiaoguidingde,youweifaxingweifashengdixianjiyishangdifangrenminzhengfushangwuzhuguanbumenzelingxianqigaizheng;yuqirengbugaizhengde,chuyi1wanyuanyishang3wanyuanyixiafakuan。

ag真人appfakaqiyeweifanbenbanfadiershisitiaozhidiershiqitiao、disanshiyitiaoguidingde,youbeianjiguanzelingxianqigaizheng;yuqirengbugaizhengde,chuyi1wanyuanyishang3wanyuanyixiafakuan。

ag真人appjituanfakaqiye、pinpaifakaqiyeshuyuguanli,qilishudeshoukaqiye12geyuenei3ciweifanbenbanfaguidingshoudaoxingzhengchufade,beianjiguankeyiduijituanfakaqiye、pinpaifakaqiyechuyi3wanyuanyixiafakuan。

disanshibatiao fakaqiyeweifanbenbanfadiershijiutiaoguiding,zaochengzhongdasunshide,youbeianjiguanchuyi1wanyuanyishang3wanyuanyixiafakuan。

ag真人appdisanshijiutiao fakaqiyeheshoukaqiyeweifanbenbanfashoudaoxingzhengchufade,youshishichufadeshangwuzhuguanbumenzaizhidingmeitishanggongshichufaxinxi。

第七章 附 则

disishitiao yikaizhandanyongtukayewudefakaqiyeyingzaibenbanfashishizhiriqi90rineiwanchengbeian。

disishiyitiao dongliranliaoxiaoshouqiyefaxingde,yongyuweiquedingdeshengchanjingyingxingcheliangduifudongliranliaodejimingyufupingzheng,bushiyongbenbanfa。

disishiertiao benbanfazi2012nian11yue1riqishishi。

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