论预付卡消费的法律风险及应对

发布时间：2018-05-22 13:18

本文选题：预付卡消费 + 法律风险　；参考：《宁波大学》2015年硕士论文

【摘要】：预付卡消费主要是指消费者预先向经营者支付一定消费金额,而后凭借预付卡获得比正常消费优惠的商品或服务的消费模式。然而,我国预付卡消费并不健康有序地发展着,尤其单用途预付卡在使用中经常成为侵害消费者权益的利器,究其原因最主要的是因为没有专门的法律规范调整或使用现有部门规章不明确、不全面。因此,为了维护市场秩序,保障消费者在预付卡消费领域的权益,如何采取有效措施改变不规范现状成为亟待研究和解决的问题。本文围绕着“法律风险”,即预付卡消费因没有专门的法律规范调整或使用现有部门规章不明确、不全面而导致不规范的风险,按照“提出问题、分析问题、解决问题”的写作思路开展论文的撰写。文章包括四部分,主要研究:第一部分,介绍预付卡消费的概况。重点分析预付卡消费的界定,包括预付卡消费的定义和种类以及目前发展状况,通过其积极意义表明对现如今经济的重大影响,为文章写作奠定一个理论和现实基础。第二部分,从预付卡消费流程的角度归纳目前典型的法律风险,包括预付卡在发行准入、预付卡在经营者运营管理中、预付卡在消费者消费维权中存在的法律风险,并适当结合案例分析。第三部分,分析预付卡消费的法律风险成因。这部分包含了立法缺失,进而引申到监督、社会层面的不足,并结合相关国内法条和引入域外立法中有关该领域的规定进行分析。第四部分,提出如何妥善应对预付卡消费的法律风险。具体而言:通过完善法律依据解决立法缺失和监管不力的问题;通过制定相关措施来改善预付卡发行、运营、救济中的典型问题;通过改革诉讼制度来保障消费者的维权畅通;通过加强社会诚信与法律意识来提高经营者和消费者素质。
[Abstract]:Prepaid card consumption mainly refers to the consumption pattern in which consumers pay a certain amount of money to the operators in advance and then obtain more favorable goods or services than normal consumption by means of prepaid cards. However, the consumption of prepaid cards in our country is not developing healthily and orderly. In particular, single-purpose prepaid cards are often used as a sharp weapon that infringes the rights and interests of consumers. The main reason is that there is no special legal norm to adjust or use the existing department regulation is not clear and comprehensive. Therefore, in order to maintain market order and protect consumers' rights and interests in prepaid card consumption, how to take effective measures to change the non-standard status becomes an urgent problem to be studied and solved. This article revolves around the "legal risk", that is, the prepaid card consumption because of the lack of special legal norms to adjust or use the existing sector rules and regulations are not clear, not comprehensive and lead to the risk of non-standard, according to "ask questions, analyze the problem," Solve the problem "writing ideas to carry out the writing of the paper." The article includes four parts, the main research: the first part, introduces the general situation of prepaid card consumption. This paper focuses on the definition of prepaid card consumption, including the definition and types of prepaid card consumption and its current development situation. Through its positive significance, it shows the great influence on the present economy and lays a theoretical and practical foundation for the writing of the article. The second part, from the perspective of prepaid card consumption process, summarizes the typical legal risks, including pre-payment card in the issue of access, prepaid card in the operator's operation management, prepaid card in consumer consumption rights in the legal risk, And appropriate combination of case analysis. The third part, analyzes the legal risk causes of prepaid card consumption. This part includes the lack of legislation, and then extends to the supervision, social aspects of the deficiencies, and combined with the relevant domestic laws and the introduction of extraterritorial legislation in the field of analysis. The fourth part puts forward how to deal with the legal risk of prepaid card consumption. Concretely speaking: through the improvement of the legal basis to solve the lack of legislation and inadequate supervision; through the formulation of relevant measures to improve prepaid card issuance, operation, relief typical problems; through the reform of the litigation system to protect the rights of consumers; By strengthening social integrity and legal awareness to improve the quality of operators and consumers.
【学位授予单位】：宁波大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923.8

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