政府对预付式消费市场监管的状况、问题和建议

发布时间：2018-10-15 15:25

【摘要】：随着时代的发展和社会的进步,人们的生活方式悄悄的发生着变化,这些变化体现在人们的消费方式中。人们习惯了“超市卡”溜进钱包,热衷于跻身“VIP白金卡会员”,享受着网络预付购物的新鲜和便捷,期盼着各城市即将推出的“城市综合一卡通”。“预付式消费”以多样的形式,融入到社会生活的每一个角落,一方面给人们带来便利、时尚的消费方式,另一方面,因为缺乏相应制度和过于自由,预付式消费发展也带来了很多的问题,给消费者的及其他利益相关者的权益带来了或轻或重的损失。近年来,预付式消费从强制消费,到合同欺诈拒不退款,到老板卷款跑路的事件频繁发生,预付式消费问题已经成为有目共睹的热点问题。政府现有监管机制虽初步建立,但监管仍存在“越位”、“缺位”、“错位”的问题,监管效力滞后、监管政策存在漏洞、监管机制运行有偏差,效果不明显。本研究试图以我国政府对预付式消费的监管现状为研究对象,应用文献研究法、比较分析法、实证与规范分析法等方法进行研究,深入分析“预付式消费”从政策制定本身、政策执行过程,到反馈调整中存在的问题；从重视程度、监管机制、监管情况、监管效果四个方面对现有政府监管情况进行效用评价,并对监管中的不足从政策制定、监管主体、监管目标群体、监管环境等方面进行原因的深挖。知不足而后能改,有针对性的提了建议,以提高政府监管预付费市场的效率和服务市场经济发展的满意度。经过分析,形成具有亮点的建议如下：第一、政府的监管仍是目前解决预付消费问题的关键,政付标杆作用是主流。第二、准确的对问题的制造者进行定位,疏导满足预付消费相关群体诉求是解决问题的关键点。第三、分析得出现有的政府监管机制漏洞是发生问题的诱因。第四、建立有效信用体系是提高政府监管能力的重要平台。第五、建议政府兜底监管将责任“承担到底”,通过建立社会救济体系柔化损失,保障利益相关者尤其是消费者权益。
[Abstract]:With the development of the times and the progress of the society, people's way of life is changing quietly, and these changes are reflected in the way people consume. People are used to "supermarket card" sneaking into the wallet, eager to join the "VIP platinum card members", enjoy the online prepaid shopping fresh and convenient, looking forward to the city will soon launch the "City Integrated Card." "prepaid consumption" is integrated into every corner of social life in various forms. On the one hand, it brings convenience and fashion to people, on the other hand, because of the lack of corresponding system and too much freedom, The development of prepaid consumption also brings a lot of problems and brings light or heavy losses to the rights and interests of consumers and other stakeholders. In recent years, prepaid consumption from forced consumption to contract fraud refused to refund, to the boss running away frequently, the issue of prepaid consumption has become a hot issue for everyone to see. Although the existing regulatory mechanism of the government is initially established, there are still problems of "offside", "absence" and "dislocation" in the supervision, the effectiveness of supervision is lagging behind, there are loopholes in the supervision policy, and the supervision mechanism has deviated from each other, and the effect is not obvious. This study attempts to study the current situation of our government's supervision of prepaid consumption, applies the methods of literature research, comparative analysis, empirical and normative analysis, and deeply analyzes "prepaid consumption" from the policy formulation itself. In the process of policy implementation to the problems in feedback adjustment, the paper evaluates the effectiveness of the existing government supervision from four aspects: the degree of attention, the supervision mechanism, the supervision situation, and the effect of supervision. The main body, target groups, regulatory environment and other aspects of the reasons. Some suggestions are put forward in order to improve the efficiency of government supervision of the prepaid market and the satisfaction of the development of the market economy. After analysis, the following suggestions are formed: first, the supervision of government is still the key to solve the problem of prepaid consumption, and the role of policy and payment benchmark is the mainstream. Secondly, the key to solve the problem is to locate the problem maker accurately and to meet the demands of prepaid consumption-related groups. Third, the analysis of the existing government regulatory mechanism loophole is the cause of the problem. Fourth, the establishment of an effective credit system is an important platform to improve the ability of government supervision. Fifthly, it is suggested that the government should "bear the responsibility to the end" by establishing a social relief system to protect the rights and interests of stakeholders, especially consumers.
【学位授予单位】：扬州大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923.8

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