论预付式消费交易的法律构造

发布时间：2018-10-07 18:54

【摘要】：随着市场经济和交易实践的发展,预付式消费交易逐渐成为一种重要的消费模式。预付式消费交易主体多元,法律关系复杂,有必要准确认定其法律构造,厘清各个当事人之间的权利义务关系。购卡人与发卡人之间的合同关系难以有效涵盖整个预付式消费交易,预付式消费交易在法律构造上还应当包括持卡人与实际经营者之间的合同关系。就购卡人与发卡人之间的合同关系而言,购卡人需要向发卡人提供长期资金信用,在约定期间内不得就预付卡主张兑现;发卡人则向购卡人提供便捷的支付工具,并对预付卡支付功能的实现负担法定担保义务;持卡人与实际经营者之间成立普通的购买商品或者提供服务的合同,在实际经营者所提供的商品或者服务存在瑕疵时,持卡人可直接基于该合同关系请求实际经营者承担违约责任。
[Abstract]:With the development of market economy and trade practice, prepaid consumption transaction has gradually become an important consumption mode. The subject of prepaid consumption transaction is diverse and the legal relationship is complex. It is necessary to identify its legal structure accurately and clarify the relationship between rights and obligations between the parties. The contractual relationship between the card buyer and the issuer is difficult to cover the whole prepaid consumption transaction effectively. The prepaid consumption transaction should also include the contractual relationship between the cardholder and the actual operator in the legal structure. As far as the contractual relationship between the card buyer and the issuer is concerned, the card buyer shall provide the issuer with long-term capital credit, and shall not claim to cash the prepaid card within the agreed period; the issuer shall provide the card buyer with a convenient means of payment, And to the realization of prepayment card payment function to bear the legal guarantee obligation; the cardholder and the actual operator establish a common contract to buy goods or provide services, where the goods or services provided by the actual operator are defective, The cardholder may directly request the actual operator to bear the liability for breach of contract based on the contract relationship.
【作者单位】：中央民族大学法学院;
【分类号】：D923.8

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