本文選題：預(yù)付卡消費合同 + 履約保證��； 參考：《廣東財經(jīng)大學(xué)》2017年碩士論文

【摘要】：近幾年,“預(yù)付卡吞錢事件”頻繁發(fā)生,各地預(yù)付卡消費者財產(chǎn)權(quán)益損害嚴(yán)重,消費者投訴無門。如何在預(yù)付卡消費合同中切實保障消費者的合法權(quán)益,成為學(xué)術(shù)界熱議的話題。而大部分學(xué)者注重從宏觀角度談預(yù)付卡消費者的法律保護(hù),注重從公法角度提出解決對策,對消費者的保護(hù)針對性不強(qiáng)、執(zhí)行成本較高。在預(yù)付卡消費合同中規(guī)定履約保證制度具有重要的法律意義。其充分保障了消費者的財產(chǎn)權(quán)益、扭轉(zhuǎn)了合同締約雙方地位不對等的問題、指引了預(yù)付卡經(jīng)營行業(yè)的安全有序發(fā)展,其彰顯了合同的公平、自由、鼓勵交易的原則。因此,我國具有設(shè)立預(yù)付卡消費合同履約保證制度的必要性與可行性。預(yù)付卡消費合同履約保證制度雖在我國部分城市進(jìn)行試點,但立法仍未明確規(guī)定。面臨法律空白、傳統(tǒng)的擔(dān)保方式可適用性不強(qiáng)、履約保證人主體資格并未明確、履約保證人的責(zé)任承擔(dān)存在模糊性、履約保證風(fēng)險責(zé)任機(jī)制缺失等法律困境。立足我國的法律環(huán)境,有必要從理論角度深入研究預(yù)付卡消費合同履約保證制度的立法模式、保證方式、保證人主體資格、保證責(zé)任、責(zé)任追究機(jī)制等。通過對美國、加拿大、日本、臺灣地區(qū)等域外國家和地區(qū)相關(guān)立法規(guī)定的考察,結(jié)合我國的預(yù)付卡管理規(guī)定與履約保證制度,研究分析認(rèn)為:應(yīng)當(dāng)在預(yù)付卡單行法律規(guī)定中專章規(guī)定履約保證制度,并將該項義務(wù)訂入預(yù)付卡消費合同中;采取多元化的履約保證方式,以供不同規(guī)模的企業(yè)選擇;明確預(yù)付卡消費合同履約保證人資格準(zhǔn)入,理清其保證的范圍;進(jìn)一步細(xì)化履約保證人的責(zé)任承擔(dān)、保證人之間的責(zé)任分擔(dān)規(guī)則;構(gòu)建履約保證的責(zé)任追究機(jī)制等。通過明確預(yù)付卡消費合同履約保證制度,以解決實踐中法律適用的不統(tǒng)一的問題,以期待能為預(yù)付卡消費合同中的消費者權(quán)利保護(hù)提供可行的分析視閥。
[Abstract]:In recent years, "prepaid card swallowing events" have occurred frequently, and the property rights and interests of consumers in prepaid cards are seriously damaged and consumers have no complaints. How to effectively protect the legitimate rights and interests of consumers in the prepaid card consumption contract has become a hot topic in the academic circle. Paying attention to the countermeasures from the public law point of view, the protection against consumers is not strong and the execution cost is high. It has important legal significance to stipulate the performance guarantee system in the prepaid card consumption contract. It fully guarantees the property rights and interests of the consumers, reverses the unequal position of the contracting parties in the contract and directs the prepaid card operation. The safety and orderly development of the industry shows the principle of fairness, freedom and encouragement of the transaction. Therefore, it is necessary and feasible for our country to establish a performance guarantee system of the prepaid card consumption contract. Although the performance guarantee system of the prepaid card consumption contract is carried out in some cities in China, the legislation is still not clearly stipulated. The system of guarantee is not applicable, the qualification of the performance guarantor is not clear, the liability of the performance guarantor is vague and the liability mechanism of the performance guarantee is missing, and it is necessary to study the legislative mode of the performance guarantee system of the prepaid card consumption contract from the theoretical perspective. Through the investigation of relevant legislative provisions of foreign countries and regions in the United States, Canada, Japan, Taiwan and other countries, the research and analysis of the system of the prepaid card management regulations and performance guarantee system in our country, the research and analysis are that the performance of the special chapter of the prepaid card should be stipulated in the special chapter of the prepaid card. To guarantee the system and to make the obligation in the prepaid card consumption contract; adopt a diversified way of performance guarantee for the choice of enterprises of different sizes; clarify the qualification admittance of the performance guarantor of the prepaid card consumption contract, clarify the scope of its guarantee, further refine the responsibility of the performance guarantor, and guarantee the responsibility sharing rules among the people; In order to solve the problem of the non uniform application of the law in practice, it is expected to provide a feasible analysis valve for the protection of consumer rights in the prepaid card consumption contract.
【學(xué)位授予單位】：廣東財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：D923.8

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