论预付式消费中消费者知情权深化及其制度保障

On the Strengthenning in Consumers' Right to Know and Protection System in the Pre-piad Consumption

预付式消费模式是以先付款后消费为特征的涉及长期债务履行的继续性合同关系。这一新型消费模式在为经营者缓解资金压力、提供稳定消费群体的同时也为消费者带来优惠。但预付式消费也存在着潜在风险。预付式消费者保护的法律设计应当在深化预付式消费者知情权内容的情况下强化经营者的信息告知义务,同时还应当增加预付式消费者的合同终止权、变更权与索赔权,最终形成预付式消费者知情权保障的制度框架。

Pre-paid consumption is based on consumers＇ confidence in the operators, involving long-term debt continues to fulfill the contractual relationship. Pre-paid consumption could ease the financial pressure on operators and provide operators a stable, and consumers can also get preferential. But there are also potential risks in prepaid consumption, the institution of prepaid consumer pro-tection laws should increase operator information disclosure obligations under the right circumstances to deepen the prepaid consumer’ s right to know, and increase consumer contracts termination rights, the right to change the consume contract and the right to chaim in-demnity.