个人网上交易消费者权益保护研究

发布时间：2018-09-07 12:34

【摘要】：二十世纪末至今,恐怕没有什么比互联网更为深刻的影响到人们的生活。在方心未艾的信息化浪潮中,网络商业化已成为一种不可抵挡的趋势。由于网络无地域、时差的区隔,使得个人从网上交易中找到与各大、中、小企业竞争的另一空间,而促使个人网上交易逐渐成为电子商务的重要组成部分。个人网上交易作为电子商务的核心组成之一,更是从根本上改变着消费者获取信息的方式和交易方式,并将从根本上影响商业经营模式的转变。与此同时,由于个人网上交易与传统交易的不同,从各个方面对传统民商法乃至整个法律体系形成了巨大的冲击和挑战。大量涌现的新的法律问题,对网络使用人和电子商务造成困惑,成为各国所必须面对的重要问题. 研究表明,消费者在个人网上交易中最担心的问题就是交易安全问题。个人网上交易的非面对面性、虚拟性的特点,使个人网上交易面临欺诈的威胁,因此提高消费者信任度,规范个人网上交易行为是世界各国面临的共同问题。由于以94年出台的我国消费者权益保护法为核心的消费者权益保护法律体系已有许多方面满足不了我国市场经济条件下的传统交易方式发展的需求,故而在个人网上交易模式下这种传统消费者权益保护的制度就更加捉襟见肘,无法适应个人网上交易的需求。新兴的个人网上交易模式,对传统的消费者权益保护带来了很多新的挑战,出现了很多传统消费者权益法律保护体系所无法涵盖的地方,如在线支付中消费者的安全权保护、在线信息披露中消费者知情权的满足、在线商品或服务的退换货以及个人网上交易经营主体的信用问题等等。我国要建立个人网上交易消费者权益保护制度出了要自己总结经验外,还要学习国外先进的个人网上交易消费者权益保护制度,联合国、经济与发展合作组织和欧盟等国际性组织及美国、德国和日本等发达市场经济国家对上述问题都有相对成熟的法律规定。研究、借鉴这些组织和国家的先进制度对我国的个人网上交易消费者保护制度的建立和发展有积极的促进作用.因此,构建我过的个人网上交易消费者权益保护制度首先应当从保护消费者的知情权入手,在此基础上完善个人网上交易的退换货制度即“冷静期”制度；针对网络交易的特点,设立小额诉讼制度以完善当前个人网上交易的司法救济途径；加快个人网上交易信用机制的建设,建立网上个人信息管制制度等。
[Abstract]:At the end of the twentieth century, I'm afraid nothing has had a more profound impact on people's lives than the Internet. In the wave of information technology, network commercialization has become an irresistible trend. Because the network has no region and the difference of time makes the individual find another space to compete with each big, medium and small enterprise from the online transaction, it makes the personal online transaction become an important part of the electronic commerce gradually. As one of the core components of electronic commerce, personal online transactions fundamentally change the way consumers obtain information and the way of transactions, and will fundamentally affect the transformation of business management mode. At the same time, because of the difference between the personal online transaction and the traditional transaction, it has formed a huge impact and challenge to the traditional civil and commercial law and even the whole legal system from various aspects. The emergence of a large number of new legal problems, network users and e-commerce caused confusion, has become an important issue that countries must face. Research shows that the biggest concern for consumers in personal online transactions is transaction security. The non-face-to-face and virtual characteristics of personal online transactions make personal online transactions face the threat of fraud. Therefore, to improve consumer trust and regulate individual online trading behavior is a common problem all over the world. As the legal system of consumer rights and interests protection, which is based on the 1994 Consumer Rights and interests Protection Act, has not been able to meet the needs of the development of traditional trading methods under the market economy in China, Therefore, under the mode of personal online trading, this traditional system of consumer rights and interests protection is even more stretched, unable to meet the needs of personal online transactions. The emerging personal online trading model has brought many new challenges to the traditional protection of consumers' rights and interests, and many places that cannot be covered by the legal protection system of the traditional consumers' rights and interests, such as the protection of consumers' security rights in online payment, have emerged. In online information disclosure, the satisfaction of consumers' right to know, the return and exchange of online goods or services, and the credit problems of individual online trading operators, etc. In order to establish a system for protecting the rights and interests of consumers in personal online transactions, China should, in addition to summing up its own experience, also learn from advanced foreign systems for the protection of consumers' rights and interests in individual online transactions, the United Nations. International organizations such as the Organization for Economic and Development Cooperation and the European Union, as well as developed market economies such as the United States, Germany and Japan, have relatively mature legal provisions on these issues. Studying and drawing lessons from the advanced systems of these organizations and countries can promote the establishment and development of consumer protection system of personal online transactions in China. Therefore, the construction of my personal online transaction consumer rights and interests protection system should first start with the protection of consumers' right to know, and on this basis improve the individual online transaction return and exchange system, that is, "cooling-off period" system; In view of the characteristics of online transactions, the author sets up a small lawsuit system to perfect the current judicial remedies for personal online transactions, speeds up the construction of credit mechanism of personal online transactions, and establishes an online personal information control system.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2010
【分类号】：D923.8

【相似文献】