Research On Consumer Rights And Interests Protection Of Commercial Prepaid Cards

In recent years,commercial prepaid cards have become more and more popular.They can provide consumers with various benefits and conveniences,lock customers in and withdraw funds for operators,and this emerging consumption model has been recognized by the market and has developed rapidly.However,with the increase in the number of people using single-purpose commercial prepaid cards,cases of infringement of consumer rights have also emerged one after another,such as the establishment of overlord clauses by card issuing shops and the absconding of legal persons with funds,etc.,and the rights and interests of consumers have been greatly damaged.Especially since the new crown pneumonia epidemic,the ability of merchants to resist risks has been particularly important.The epidemic has had a considerable impact on the development of commercial prepaid cards,making the phenomenon of "card running" and "money hard to return" increasingly rampant in reality,and consumption The rights of the owners are always vulnerable to infringement.Prepaid cards not only have the risks of physical cards,but cardless payment is popular nowadays.Virtual prepaid cards(such as ID card,We Chat ID,mobile phone number,etc.registration)abound,increasing the risk of information disclosure and information asymmetry,and consumers are informed The right to freedom and the right to choose have been severely violated.Therefore,protecting the legitimate rights and interests of consumers is of great importance to the stability of the market economy order and the development of the market economy.Therefore,this article takes the protection of consumer rights in prepaid card consumption as an entry point,and deeply studies the new consumption model of prepaid card consumption.It is mainly divided into four parts: the first is the theoretical overview of prepaid card consumption;the second is It is the problematic part of the rights and interests of consumers of commercial prepaid cards in my country.The third part is the analysis of the reasons for the infringement of the rights and interests of prepaid card consumers in my country.The fourth part is the thinking part of improving the protection measures of consumer rights and interests of commercial prepaid cards in our country.According to the consumption situation of prepaid cards in our country,the full text puts forward some licensing recommendations for the protection of consumer rights and interests of commercial prepaid cards in my country.