Research On The Protection Of Consumers’ Rights And Interests In Prepaid Consumption

With the rapid growth of the Chinese economy in recent years,the market economy has gradually changed people’s daily lives.In addition,with the advance of Internet and technology,it continues to influence people’s consumption pattern.Prepaid consumption has evolved in various industries,and the consumption amount continues to increase.With the spread of Internet technology,mobile payment is becoming the main consumer means of daily life.In the background of the Internet economy,mobile payment has brought great convenience to people’s lives.Mobile payment also promotes prepaid consumption.Compared with conventional consumption models,prepaid consumption has broken down on traditional consumption models that directly exchange money and goods,and recently new consumption models,including third-party platforms,have appeared.However,with the change and development of the prepaid consumption model,the dispute about the prepaid consumption is increasing due to the regulation of the related industry and the lack of regulation.There is a problem that the consumer’s interests are seriously damaged,such as the run away of the management of the manager,the trouble of the consumer’s right,the failure of the consumer’s intention,and the compensation of the manager’s failure.Currently,there are insufficient supervision systems and complete legal systems corresponding to prepaid consumption legislation in China.In order to maintain the order of the market economy and to promote sustainable and healthy development of prepaid consumption,it is necessary to strengthen the supervision of the business operator,to emphasize the protection of consumer interests,and to continuously improve the prepaid consumption protection system from the viewpoint of legislation.As described above,it is an important guarantee to promote the prepaid consumption by processing the problem of the prepaid consumption dispute and developing the consumer protection system in the prepaid consumption.In this paper,we focus on the protection of consumer interests in prepaid consumption.All parts are divided into five parts,except for summary and conclusion.In the first part,the background of prepaid consumption and the significance of research,the research situation of domestic and overseas prepaid consumption,research method and innovation are explained.The second part is a theoretical overview of prepaid consumption,including meaning,features,classification and legal relationships.And the legal position in the payment of consumers.The basic premise of prepaid consumer rights protection is to recognize the legitimacy and necessity of its existence.The third part is the present situation and the cause of consumer interests in prepaid consumption in Japan.In part 4,legal regulation and experience of prepaid consumption in the United States,Japan and Taiwan are introduced.Finally,we think about the improvement of the rights protection system of prepaid consumers in China.This paper analyzes the present state of the development of prepaid consumption in China,and proposes some suggestions on the protection of consumer interests in Japan’s prepaid consumption with reference to experience in protecting overseas countries(regions).