预付卡消费合同履约保证制度研究

发布时间：2018-06-03 23:19

本文选题：预付卡消费合同 + 履约保证　；参考：《广东财经大学》2017年硕士论文

【摘要】：近几年,“预付卡吞钱事件”频繁发生,各地预付卡消费者财产权益损害严重,消费者投诉无门。如何在预付卡消费合同中切实保障消费者的合法权益,成为学术界热议的话题。而大部分学者注重从宏观角度谈预付卡消费者的法律保护,注重从公法角度提出解决对策,对消费者的保护针对性不强、执行成本较高。在预付卡消费合同中规定履约保证制度具有重要的法律意义。其充分保障了消费者的财产权益、扭转了合同缔约双方地位不对等的问题、指引了预付卡经营行业的安全有序发展,其彰显了合同的公平、自由、鼓励交易的原则。因此,我国具有设立预付卡消费合同履约保证制度的必要性与可行性。预付卡消费合同履约保证制度虽在我国部分城市进行试点,但立法仍未明确规定。面临法律空白、传统的担保方式可适用性不强、履约保证人主体资格并未明确、履约保证人的责任承担存在模糊性、履约保证风险责任机制缺失等法律困境。立足我国的法律环境,有必要从理论角度深入研究预付卡消费合同履约保证制度的立法模式、保证方式、保证人主体资格、保证责任、责任追究机制等。通过对美国、加拿大、日本、台湾地区等域外国家和地区相关立法规定的考察,结合我国的预付卡管理规定与履约保证制度,研究分析认为:应当在预付卡单行法律规定中专章规定履约保证制度,并将该项义务订入预付卡消费合同中;采取多元化的履约保证方式,以供不同规模的企业选择;明确预付卡消费合同履约保证人资格准入,理清其保证的范围;进一步细化履约保证人的责任承担、保证人之间的责任分担规则;构建履约保证的责任追究机制等。通过明确预付卡消费合同履约保证制度,以解决实践中法律适用的不统一的问题,以期待能为预付卡消费合同中的消费者权利保护提供可行的分析视阀。
[Abstract]:In recent years, "prepaid card swallowing events" have occurred frequently, and the property rights and interests of consumers in prepaid cards are seriously damaged and consumers have no complaints. How to effectively protect the legitimate rights and interests of consumers in the prepaid card consumption contract has become a hot topic in the academic circle. Paying attention to the countermeasures from the public law point of view, the protection against consumers is not strong and the execution cost is high. It has important legal significance to stipulate the performance guarantee system in the prepaid card consumption contract. It fully guarantees the property rights and interests of the consumers, reverses the unequal position of the contracting parties in the contract and directs the prepaid card operation. The safety and orderly development of the industry shows the principle of fairness, freedom and encouragement of the transaction. Therefore, it is necessary and feasible for our country to establish a performance guarantee system of the prepaid card consumption contract. Although the performance guarantee system of the prepaid card consumption contract is carried out in some cities in China, the legislation is still not clearly stipulated. The system of guarantee is not applicable, the qualification of the performance guarantor is not clear, the liability of the performance guarantor is vague and the liability mechanism of the performance guarantee is missing, and it is necessary to study the legislative mode of the performance guarantee system of the prepaid card consumption contract from the theoretical perspective. Through the investigation of relevant legislative provisions of foreign countries and regions in the United States, Canada, Japan, Taiwan and other countries, the research and analysis of the system of the prepaid card management regulations and performance guarantee system in our country, the research and analysis are that the performance of the special chapter of the prepaid card should be stipulated in the special chapter of the prepaid card. To guarantee the system and to make the obligation in the prepaid card consumption contract; adopt a diversified way of performance guarantee for the choice of enterprises of different sizes; clarify the qualification admittance of the performance guarantor of the prepaid card consumption contract, clarify the scope of its guarantee, further refine the responsibility of the performance guarantor, and guarantee the responsibility sharing rules among the people; In order to solve the problem of the non uniform application of the law in practice, it is expected to provide a feasible analysis valve for the protection of consumer rights in the prepaid card consumption contract.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D923.8

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