预付式消费合同的消费者权益保护问题研究

发布时间：2018-03-30 20:33

本文选题：预付式消费合同　切入点：预付卡　出处：《上海师范大学》2017年硕士论文

【摘要】：预付式消费合同是消费者事前向经营者支付费用,获得经营者发放的消费凭证,凭借该消费凭证,消费者可以享受经营者分次或者分期提供的商品或者服务的一种协议。预付式消费合同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,既可省去支付现金找零的麻烦,又可以享受价格上的优惠。对于经营者而言,可以有效地稳定客源、提高客户的忠诚度,同时又可以在短时间内筹集到大量资金,从而迅速扩大经营规模,占领更大的市场参与竞争。在预付式消费合同中,消费者支付价款和享受服务并不具有同时性,使其消费者的合法权益更容易受到侵害,同时由于我国缺乏对预付式消费合同全面有效的规制,在消费者的合法权益被侵害时难以得到有效的救济,因此亟需对我国预付式消费合同的消费者权利保护机制进行完善。在本文的研究中,笔者首先对预付式消费合同的概念和特征进行了分析,指出预付式消费合同与一般合同相比具有资金的预付性、信用性和风险的单向性、长期性和继续性及纠纷的群发性的特征,因此有必要对预付式消费合同的消费者权益进行特别的保护,同时进一步分析了预付式消费合同的法律属性和法律关系。其次分析了预付式消费合同的消费者权益被侵害的具体情形,指出在消费者权益保护上存在法律保障粗糙、司法救济措施乏力的问题。在此基础上通过域外预付式消费合同的消费者权益保护制度进行了考察并借鉴其有益经验;最后针对我国预付式消费合同中消费者权益保护存在的问题提出要完善《合同法》和《消费者权益保护法》对预付式消费合同的规定,明确预付式消费合同的法律地位、赋予消费者后悔权、深化消费者的知情权;要完善预付式消费合同的专门性法律,提出要建立发行制度、资金监管制度、制定合同示范文本、信用评价和信息披露制度等措施;在司法救济上使用惩罚性赔偿制度、实行举证责任倒置和消费者集团诉讼制度的建议。
[Abstract]:Prepaid consumption contract is a kind of agreement by which the consumer pays the expenses to the operator beforehand and obtains the consumption voucher issued by the operator. By virtue of the consumption certificate, the consumer can enjoy the goods or services provided by the operator in stages.The prepaid consumption contract brings convenience and benefit to both the operator and the consumer.For consumers, can not only save the trouble of paying cash change, but also enjoy price concessions.For operators, it can effectively stabilize the source of customers, improve customer loyalty, but also in a short time to raise a large number of funds, so as to rapidly expand the scale of business, occupy a larger market to participate in competition.In the prepaid consumption contract, the consumer does not pay the price and enjoy the service at the same time, which makes the legitimate rights and interests of the consumer more vulnerable to infringement. At the same time, due to the lack of comprehensive and effective regulation of the prepaid consumption contract in our country.It is difficult to obtain effective relief when the legitimate rights and interests of consumers are infringed. Therefore, it is urgent to perfect the consumer rights protection mechanism of prepaid consumer contracts in China.In this paper, the author firstly analyzes the concept and characteristics of prepaid consumption contract, and points out that prepaid consumption contract has the characteristics of capital prepayment, credit and risk.It is necessary to protect the rights and interests of consumers in prepaid consumption contracts especially because of the characteristics of long-term, continuance and group disputes. At the same time, the legal attributes and legal relations of prepaid consumption contracts are analyzed.Secondly, the paper analyzes the specific situation that the consumer's rights and interests of prepaid consumer contract are infringed, and points out that there are some problems in the protection of consumer's rights and interests such as rough legal protection and weak judicial relief measures.On this basis through the extraterritorial consumer contract in advance consumer rights and interests protection system to investigate and learn from its useful experience;Finally, in view of the problems existing in the protection of consumers' rights and interests in the prepaid consumption contract in our country, it is proposed that the provisions of the contract Law and the Law on the Protection of Consumer Rights and interests should be perfected, and the legal status of the prepaid consumption contract should be clarified.To give consumers the right to regret and deepen their right to know, to perfect the special law of prepaid consumption contract, to set up the issuing system, the fund supervision system, the contract model text, the credit evaluation and the information disclosure system, etc.The system of punitive damages should be used in the judicial remedy, and the suggestion of putting the burden of proof upside down and the system of consumer group action should be carried out.
【学位授予单位】：上海师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D923.8

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