预付式消费模式的风险及规范路径分析

Analysis of the Risks of Prepaid Consumption Model and Its Regulative Paths

预付式消费模式在带来双赢的同时也存在着诸多问题,主要体现为消费者维权难、企业诚信、风险防范意识薄弱。我国法律并未形成体系性规定,预付式消费模式存在较大隐患。需遵循“先地方后中央”的立法路径,在法律制度设计上明确监管主体与范围,构建以信息披露、消费者冷静期、预设保证金等制度为重点的法律制度框架,发挥消费者协会与行业协会的作用,形成预付式消费社会防范体系。

The prepaid consumption model brings win-win situation and is also full of problems,which are mainly reflected in the difficulty of consumer rights protection,corporate integrity and weak awareness of risk prevention.China’s law has not formed a systematic provision,and prepaid consumption model has a large potential danger.It is necessary to follow the legislative path of“local first and then the central”,to clarify the regulatory body and scope in the design of the legal system,to build a legal framework focusing on information disclosure,consumer cooling-off period and pre-set deposit,and to play the role of consumer associations and industry associations to form a social prevention system for prepaid consumption.