论预付式消费合同中消费者权利的救济

发布时间：2018-02-20 15:59

本文关键词： 预付式消费合同预付式消费权利救济　出处：《湘潭大学》2015年硕士论文　论文类型：学位论文

【摘要】：预付式消费,是一种新型的消费模式,即消费者向经营者提前支付一定的费用,凭照会员卡享受商品或服务的一种交易模式。这种新型的消费模式无论是给经营者还是消费者都带来了方便实惠。对于消费者而言,预付费消费既可带来方便快捷,省去支付现金找零的麻烦,同时又可以带来价格上的优惠。对于经营者而言,可以确定目标消费群体,有效地稳定客源、吸收新顾客、提高客户的忠诚度,同时可以在短时间内筹集到大量资金,从而迅速扩大经营规模,降低了财务风险,提高了结算效率,创造了企业品牌,占领更大的市场参与竞争。但由于缺乏对预付式消费合同全面有效的法律规制机制,在预付式消费中,商家扰乱金融秩序、侵害消费者利益的纠纷频发。因此亟需对我国预付式消费合同中消费者权利救济机制进行完善。预付式消费合同是指在消费市场中,消费者根据经营者提供的营销内容,与经营者订立的先交付费用,后获得商品或服务,并进行结算的合同。由于支付价款和享受服务并不具有同时性,预付式消费合同主体的法律地位失衡,消费者常常处于不利地位。由于预付式消费合同中消费者权利救济存在法律监管不力,诚信体制并不健全的缺陷,可结合我国已有的救济途径与机制,对预付式消费合同中消费者权利救济提出建议:以对消费者特别保护原则为基础,规范对预付式消费合同格式条款的拟定、建立犹豫期制度、运用信用评价系统、规范对预付式消费合同的监管,建立预付式消费权益保障的社会防范体系的等措施加以保护,充分保障消费者权益。
[Abstract]:Prepaid consumption is a new type of consumption pattern, in which consumers pay a certain amount of money to the operators in advance. A trading model for enjoying goods or services as a membership card. This new consumption pattern brings convenience and benefits to both operators and consumers. For consumers, prepaid consumption can bring convenience and speed. Save the trouble of paying cash change, and at the same time bring about price concessions. For operators, they can determine the target consumer group, effectively stabilize the source of customers, absorb new customers, and improve customer loyalty. At the same time, it can raise a large amount of funds in a short period of time, thereby rapidly expanding the scale of operation, reducing financial risks, improving settlement efficiency, and creating enterprise brands. Occupying a larger market to participate in competition. However, due to the lack of a comprehensive and effective legal regulation mechanism for prepaid consumption contracts, in prepaid consumption, merchants disrupt the financial order. Therefore, it is urgent to perfect the relief mechanism of consumer rights in the prepaid consumer contract, which refers to the marketing content provided by the consumer according to the manager in the consumer market. A contract concluded with the operator to deliver the cost before obtaining the goods or services, and to settle the account. Because the payment of the price and the enjoyment of the service are not simultaneous, the legal status of the subject of the prepaid consumption contract is out of balance, Consumers are often in a disadvantageous position. Due to the lack of legal supervision and supervision of consumers' right relief in prepaid consumer contracts, the integrity system is not perfect, which can be combined with the existing remedies and mechanisms in China. Some suggestions on the relief of consumer rights in prepaid consumer contracts are put forward: based on the principle of special protection for consumers, the formulation of the format clauses of prepaid consumption contracts is standardized, the system of hesitating period is established, and the credit evaluation system is used. The regulation of prepaid consumption contract and the establishment of social protection system of prepaid consumption rights and interests should be carried out to protect the rights and interests of consumers.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923.8

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