预付式消费法律规制

发布时间：2018-08-31 13:11

【摘要】：近年来,随着预付式消费的越来越多、越来越快地进入人们生活,在看似双赢的光鲜表面背后,预付式消费的风险却日益凸显:由于预付式消费卡需要消费者事先支付一定价款或费用,且数额通常都比较大,一旦商家在收取会员费后拒绝提供服务或提供瑕疵服务,对消费者的权益就极为不利;此外,由于其涉及的交易数额较大,且大多具有不记名、可流通的支付工具功能,为企业、个人逃税避税以及索贿受贿提供了温床。然而我国对预付式消费的法律规制却不容乐观。本文第一部分通过对金仕堡案件的实证分析,对我国预付式消费现存问题及社会现象进行分析,大体包括政府监管依据不足、不正当竞争泛滥、消费者权益无保障、滋生腐败、洗钱、挑战税收管理制度等。第二部分是对我国现行法律中有关预付式消费规制的一次集中梳理,通过对法律层面、部门规章层面、其他规范性文件层面以及地方法规层面对预付式消费的规范,分析现存法律规制背后的诸多问题,为引入各地区先进经验找到切入点。第三部分是各地区先进经验的考察比较与借鉴。通过对美国价值储存卡的规范、日本预付式证票的规定及我国台湾地区礼券的规范的考察比较,以期能找到借鉴的方式或方法,为我国建立健全预付式消费法律规制提供帮助。第四部分则是我对我国预付式消费法律规制的建议,从明确法律定位,到明确法律规制依据,从规范立法到完善监督机制,以期能以层层剥茧的方式完成对我国预付式消费法律制度的构想。
[Abstract]:In recent years, with more and more prepaid consumption, more and more people enter into life, behind the seemingly win-win bright surface, The risk of prepaid consumption is becoming increasingly apparent: because prepaid consumer cards require consumers to pay a certain price or fee in advance, and often in large amounts, once merchants refuse to provide services or provide defective services after charging membership fees, In addition, because of the large amount of transactions involved, and most of them have the function of bearer and negotiable payment instrument, it provides a hotbed for enterprises, individuals to evade tax and take bribes. However, the legal regulation of prepaid consumption in China is not optimistic. The first part of this paper analyzes the existing problems and social phenomena of prepaid consumption in China through the empirical analysis of Kingsberg case, which includes the insufficient basis of government supervision, the spread of unfair competition, the lack of protection of consumers' rights and interests, and the breeding of corruption. Money laundering, challenge tax management system and so on. The second part is about the current law of our country about the prepaid consumption regulation of a concentrated combing, through the legal level, sector regulation level, other normative document level and local laws and regulations level of prepaid consumption norms. This paper analyzes the problems behind the existing legal regulations and finds a starting point for the introduction of regional advanced experience. The third part is the investigation and comparison of the advanced experiences in various regions. Through the investigation and comparison of the norms of American value storage cards, the provisions of Japanese prepaid certificates and the norms of gift coupons in Taiwan, the author hopes to find a way or method to use for reference, and to provide help for establishing and perfecting the legal regulation of prepaid consumption in our country. The fourth part is my suggestions on the legal regulation of prepaid consumption in China, from defining the legal position to clarifying the legal basis of regulation, from standardizing legislation to perfecting the supervision mechanism. In order to complete the idea of China's prepaid consumption legal system in the way of layer by layer cocoon stripping.
【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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