On Consumers' Protection Of Prepaid Consumption

Prepaid consumption is a kind of new consumption mode, implement "first payment and post consumption", different from the traditional consumption mode of "consumption and payment". In recent years, the rapid development of social economy in the rise of prepaid consumption provides a fertile soil, the development of information technology to provide a strong technical support, the rapid development of the prepaid consumption of consumer momentum, growing prosperity, even sweeping, followed by a large number of consumers' rights and interests disputes. Based on the angle of consumer protection, combined with domestic and international research results, this paper conducts a thorough research to the prepaid consumption, mainly from the following parts:The first part, described the development process of prepaid consumption in detail and three aspects of the rise of prepaid consumption.In this paper, by means of the concept of prepaid consumption, we elaborate the prepaid consumption of several different types. By analyzing the essence of the prepaid consumption, this part also explored its five characteristics of prepaid, long-term, token, win-win, one-way riskThe second part, emphatically analyzed the prepaid consumption present situation and the reasons of the protection of the rights and interests disputes. With the analysis of four kinds of infringement types of China's consumers' rights in prepaid consumption dispute, that is consumers' right to know, to choose, security and the right of privacy infringement, as well as the current three commonly used relief way in consumer rights disputes of our country, we ascertained the four reasons of why consumer rights and interests of disputes came into being.The third part, elaborated the other countries and regions on the management mode of prepaid consumption. Prepaid consumption patterns in the United States origin early, the United States uses a multi-level laws and regulations to regulate prepaid consumer transactions; Japan as a typical continental law system to regulate the subject as the center of the legal system to the prepaid consumption; China's Taiwan region through the promulgation of many laws and regulations to regulate prepaid consumption, in particular, multi-purpose prepaid card.The fourth department, combining with the above, putted forward a proposal for our national prepaid consumption. Detailed elaborated the establishing and perfecting of the relevant laws and regulations, perfect management mode of prepaid consumption, and the supervision system from several aspects of consumption in advance.