The Study of the Legal Issue of Electronic Stored Value Card

• Main Authors: LEE, YONG-CHIN, 李永欽
• Other Authors: ZHANG,SHAO-BIN
• Format: Others
• Language: zh-TW
• Published: 2016
• Online Access: http://ndltd.ncl.edu.tw/handle/83060962793751772887

碩士 === 東吳大學 === 法律學系 === 104 === In 2009, Taiwan passed the Act Governing the Issuance of Electronic Stored Card (The Act). Apart from former regulations that only banks can issue electronic money, the Act allows institutions other than banks to issue stored value cards. In other words, non-bank institutions may, via operation of the Act, receive funds from the public. It may produce an impact to the financial market. The thesis is concerned about financial security and consumer protection issues of electronic stored card arising after the Act. It is hoped that the thesis will provide a good analysis of the Act from those perspectives. Regulatory regimes of electronic money in Hong-Kong, United Kingdom and United State are studied and compared in the thesis. After the comparison, my thesis provides the following findings and suggestions. First, with respect to the financial security issue, the U.K. and Hong Kong law are more comprehensive. It is because, in these two territories, e-money issuing institutions are considered as banks and regulated in a more rigid way in regard to financial security. Second, regarding to the customer protection issue, it is recommended in the thesis that funds prepaid for electronic stored cared be eligible for deposit insurance. It will bring more protection to the consumer.