Research On Legal Issues Of Consumer Rights A Nd Interests Protection In Prepaid Consumption

With the continuous high-speed development of China’s social level,the continuous improvement of living standards,the gradual increase of people’s consumption demand,and the convenience of consumption mode has gradually become more and more common.The mobile payment method,such as Alipay and WeChat,is more efficient.The mobile payment method promotes the continuous development of prepaid consumption.Prepaid consumption has become popular among the public with its strong preferences.People are joining the list of members,so the industry of prepaid consumption is more and more extensive.Compared with traditional consumption,prepaid consumption provides consumers with faster and preferential consumption because of its prepayment,mutual benefit and other characteristics.However,due to its rapid development,with its risk unidirectionality,credit and other characteristics,the corresponding problems are the lack of relevant laws and regulations,lax administrative supervision,narrow ways to protect consumers’ rights,imperfect credit evaluation mechanism and other problems,resulting in the damage of consumers’ rights and interests and seriously endangering the market order.In order to safeguard the legitimate rights and interests of consumers and the stability of market order,we must increase the laws and regulations related to prepaid consumption,strengthen the administrative supervision of the market related to prepaid consumption,broaden the ways of protecting consumers’ rights and establish a credit evaluation mechanism of prepaid consumption market.To sum up,in order to better protect the legitimate rights and interests of consumers and solve the problems related to prepaid consumption,this paper highlights the relevant problems existing in prepaid consumption by introducing relevant specific cases,introduces the successful experience of foreign countries,and puts forward corresponding optimization measures for the problems existing in laws and regulations,administrative supervision,consumer rights protection and credit mechanism in combination with China’s social situation,In order to provide some help for the protection of consumers’ rights and interests in China’s prepaid consumption.