A Study On Risk Prevention Of Prepaid Consumption

With the development of the market economy,the prepaid consumption pattern has become a fashionable trend.The operators use the prepaid consumption mode to secure consumers and relieve financial pressure;The consumers can bring the benefits and convenience by prepaid consumption mode,so as to achieve the win-win interests of the two parties.But there is a potentially huge risk behind a seemingly win-win deal.Our country does not regulate the legal system of prepaid transactions,resulting in many individual consumer disputes,even when group consumers are violated,and there is no place to safeguard their rights and interests.Facing the urgent and complicated social reality,it is necessary for us to draw on foreign experience in order to regulate the prepaid consumption pattern,protect the rights and interests of the consumers effectively,ensure the legitimate competition among businessmen,to create a good economic environment,which has become an important subject.Therefore,this paper expounds the risk prevention of prepaid consumption from four parts.The first part is a general overview of prepaid consumption.Firstly,introduced the concept of prepaid card;secondly introduce its unique features,which is different from the traditional consumption mode;reintroduced legal structure of the prepaid consumer transaction,this paper introduces two kinds of Views: a single contract and two kinds of contract.The author agrees with the second points of view and gives the corresponding evaluation.The second part analyses risks and reasons of prepaid consumption.This part lists Jilin Province as an example.It introduces the main risks from the three levels of consumers,operators and society,and lays the way for the fourth part according to analyse causes of the risks.The third part introduces the risk prevention measures for prepaid consumption cards outside the region including United State,Japan in Taiwan.The purpose is to seek the enlightenment of our country’s legislation.The fourth part: thinking about the precautionary measures of prepaid consumption risk in China.Referring to the mature experience in legislation and theoretical of foreign,on the basics of current situation of China,.this paper puts forward some thoughts on preventing risk prevention of prepaid consumption in China.