What kind of supermarket gift card is more cost-effective to buy in Shanghai?

Lianhua OK accumulated card can now pay water, electricity, coal and other utilities. Besides Century Lianhua Supermarket, many large department stores are also available, such as Paris Spring.

The Opinions pointed out that the prepaid funds accepted by the issuer of multi-purpose prepaid cards and used by customers for future payment do not belong to the issuer's own property, and the issuer may not misappropriate or occupy them.

Issuing shopping cards has always been regarded as an alternative financing model for commercial enterprises. The funds raised by shopping cards of commercial enterprises are either deposited in banks to collect interest, or invested in the stock market to obtain investment returns, or used to expand the scale. If the policy is strictly implemented, this alternative financing channel will also be blocked.

Yanka distribution qualification:

In addition to real-name registration system's registration, the Opinions also pointed out that if the unit purchases a card for more than 5,000 yuan (inclusive) and the individual purchases a card for more than 50,000 yuan (inclusive), it will be purchased by bank transfer, and cash is not allowed; The face value of bearer commercial prepaid cards shall not exceed 1000 yuan, and the face value of registered commercial prepaid cards shall not exceed 5000 yuan.

Regarding the issuance of commercial prepaid cards, the Opinions clearly stipulate that non-financial institutions may not issue multi-purpose prepaid cards without the approval of the People's Bank of China. Once found, they shall be investigated and dealt with as illegal payment and settlement business. Without approval, financial institutions may not issue prepaid cards.

Blocking alternative financing channels For some card-issuing enterprises to misappropriate funds received in advance, the Opinions also explicitly require prohibition.