Research On Consumer Rights Protection System On Prepaid Consumption

Prepaid consumption refers to the agreement between the consumer and the operator prior to purchasing consumer spending by businesses to provide a "membership card" and pay a fee in advance of new consumption patterns. Prepayment of loan as a new consumption patterns of current consumption, due to the nature of its funds paid, so it is a consumer credit on the establishment of mechanisms. However, our current lack of credit evaluation mechanism, low default costs, especially legal lag, weak legal awareness of consumers and a series of factors, Prepayment of loan there is no effective legal regulation, resulting in China’s current Prepayment of loan market order chaos, against the interests of consumers became a common occurrence. To safeguard the interests of consumers and maintain market order, measures must be taken to change the current situation. In this paper, Prepayment of loan-related issues around the following main content unfold:The first part is the introduction of this article, Introduction Through practical case study discusses the Shanghai Pudong New Area People’s Court, as well as the main crux of the reason our Prepayment of loan legal problem.The second part discusses in detail the concepts, features and legal nature for Prepayment of loan, development status and the corresponding legal relationship of them. Prepayment of loan concept definition study is a prerequisite for its nature, many around Prepayment of loan features, to define its nature as a consumer contract law.The third part analyzes the legal issues arising Prepayment of loan around Prepayment of loan and the impact on the market economic order resulting from the specific interests of consumers discusses consumer fair trading rights, the right to information, security and privacy have been violated circumstances, and the adverse consequences of the market economic order in the financial and economic order and the industry to bring economic order, on the basis of analysis of the causes of these problems.The fourth part of the Prepayment of loan inspection experience outside the legal system, legislation and institutional norms around the United States, Japan, EU and Taiwan, China as a comparison reference, draw their Prepayment of loan prepaid system for perfection Related revelation consumption.The fifth part of the problem and analyze the reasons for the existence of our country Prepayment of loan, and the combination of learning experiences outside of Prepayment of loan made to improve the proposed measures, mainly around the legislative norms Prepayment of loan contracts, market regulation and consumer rights deal strengthen the protection of the three aspects of consciousness are discussed in detail.