Problems And Solutions Of The Prepaid Consumers' Rights Protection By Ningbo Market Supervision Administration

Along with the rapid economic and social development as well as the people's increasingly high consumer demand,prepaid consumption with its fast and convenient payment,flexible transfer form and consumers businesses win-win model,gradually occupies an important position in the market economy and is becoming an important carrier of market transactions.In the current framework of laws and regulations,because of the lack of effective regulation system and the great difficulty confronting by supervision departments,problems such as "business dishonesty","service discount" or even "bring money to leave" are very common,and have harmed the legitimate rights and interests of consumers.This paper,starting from the market supervision departments' functions,combining with current situation of Ningbo local economy and government regulation,systematically explains the market supervision departments how to play the role of regulating prepaid consumption,puts forward feasible suggestions to further deepen the prepaid industry's supervision and guidance,and makes necessary theoretical analysis on the specification of the prepaid consumption.The first part of the paper starts with the theory of prepaid consumption.The theory is introduced by three parts.The first part analyzes and introduces the concept of prepaid consumption and prepaid consumer cards,as well as the characteristics of prepaid consumers' rights protection.The second part analyzes domestic and foreign laws and regulations on prepaid consumption.The third part explains the theoretical basis for the government departments to deal with prepaid consumers' rights protection.The second part does a research and an analysis on Ningbo market supervision departments' dealing with the prepaid consumer rights protection.It firstly introduces the basic situation and main problems of prepaid consumption in Ningbo.Then,it analyzes the laws,regulations,rules and relevant policies that market supervision departments can refer to when dealing with the prepaid consumers' rights protection.Lastly,it takes actual case as an example to point out organization structures and working mechanisms of Ningbo market supervision department when dealing with the prepaid consumer rights protection,and analyzes the current demands of the prepaid consumers.The third part summarizes the dilemmas confronted by market supervision departments' dealing with the prepaid consumers' rights protection.It mainly analyzes the problems and difficulties of current laws and regulations,working mechanism,working force,as well as working assurance.The fourth part analyzes the solutions of prepaid consumers' rights protection from advanced,during and after,as well as the social linkage prevention.