Study On The Issue About China Consumer Protection Of Single-Purpose Commercial Prepaid Card

With the application of single-purpose commercial prepaid card more and more widely,the card issuing enterprise has set up the overlord clause privately,the enterprise legal person has absconded with money and so on many kinds of cases of infringing the consumer undefined rights and interests emerge one after another,and the consumer undefined rights and interests have been greatly damaged.As a major subject of trade,it is very important for consumers to protect their legal rights and interests to maintain the positive and stable development of the market.Therefore,this paper studies the protection of consumer rights and interests of single-purpose commercial prepaid cards in China.The first part of this paper discusses the basic problems of single-use commercial prepaid cards,and defines the definition,characteristics and classification of single-use commercial prepaid cards,which is helpful to clarify the use of single-purpose commercial prepaid cards in real life.And analyze the advantages and disadvantages of consumers choosing this kind of consumption mode.The second part of this article is mainly concerned with the protection of the right of true love for the single use commercial prepaid card consumers.Our single use commercial prepaid card consumers know the defects of the right protection of the true love,and make the issuing enterprises false propaganda and contract fraud have a chance.The main manifestation is: first,our country has no mandatory information disclosure;second,issuing enterprises.The standard of market access is too low;third,the current record system does not match the law enforcement ability of our country;fourth,our legislation related punishment is relatively weak.In view of these four defects,our country should modify the scope of the use of the information disclosure system in the current regulations,improve the market access standards of the single use commercial prepaid card issuing enterprises,and strengthen the market access standards.The supervision of the single purpose commercial prepaid card issuing enterprises should be strengthened,and the penalties for the illegal activities of the single purpose commercial prepaid card issuing enterprises should be increased.The third part focuses on the protection of consumer security rights of single-purpose commercial prepaid cards.In our country,the security rights of theconsumers of single-purpose commercial prepaid cards are seriously damaged,one is that the security of pre-stored amount in the card is seriously threatened,the other is that the residual amount in the card is not returned.This is mainly due to the dispute about the legal nature of single-purpose commercial prepaid card,the lack of fund guarantee system and the high cost of consumer right relief.Only from a legislative point of view is it clear that the ownership of the amount in the single-purpose commercial prepaid card belongs to the cardholder,Only by perfecting the system of return of surplus amount in single-purpose commercial prepaid card and introducing third party liability insurance to perfect the relief system of consumer undefined rights and interests of single-purpose commercial prepaid card in our country can the consumer property safety of single-purpose commercial prepaid card be protected.The fourth part of this paper focuses on the protection of consumer fair trade rights of single-purpose commercial prepaid card.In China,the loss of consumers undefined right to fair trade of single-purpose commercial prepaid cards is manifested in the arbitrary pricing of card issuing enterprises to compensate for discounts and the collection of high-end service fees according to the low end service standards.This is mainly because the service standards and pricing of single-purpose commercial prepaid cards in China are formulated unilaterally by card issuers,and at the same time,there are legal loopholes in the supervision of single-purpose commercial prepaid card issuers in China.Therefore,this paper puts forward a clause of "retrogression period" in the contract of single purpose commercial prepayment card format,and makes clear the supervision subject and its duty as the perfect method.