CAJ | 학술논문

预付费交易具有费用的预先支付性、交易存续的时限性以及交易风险的单方面性等五大特点。预付费交易的法律性质应属消费服务类合同，在现实中主要存在霸王条款众多、具体消费时受限、服务与商品质量不符预定标准、预付资金得不到应有保障等七大法律问题。商务部《单用途商业预付卡管理办法（试行）》层级较低，且规定不够合理，为此，有必要吸收部分省市的成功经验，在《消费者权益保护法》中增加七项经营者的经营义务，补充消费者应享有的四项权利；在《合同法》分则中增加消费服务合同的类型，并对预付费交易合同做出四项特别规定。同时制定《预付费交易管理条例》，在经营者市场准入、登记与申报、保证金或第三方担保、预付款使用与监管、风险救济基金、监管主体、示范合同文本、行业自律、法律责任等问题作出明确规定。
예부비교역구유비용적예선지부성、교역존속적시한성이급교역풍험적단방면성등오대특점。예부비교역적법률성질응속소비복무류합동，재현실중주요존재패왕조관음다、구체소비시수한、복무여상품질량불부예정표준、예부자금득불도응유보장등칠대법률문제。상무부《단용도상업예부잡관리판법（시행）》층급교저，차규정불구합리，위차，유필요흡수부분성시적성공경험，재《소비자권익보호법》중증가칠항경영자적경영의무，보충소비자응향유적사항권리；재《합동법》분칙중증가소비복무합동적류형，병대예부비교역합동주출사항특별규정。동시제정《예부비교역관리조례》，재경영자시장준입、등기여신보、보증금혹제삼방담보、예부관사용여감관、풍험구제기금、감관주체、시범합동문본、행업자률、법률책임등문제작출명학규정。
T he prepayment trading has such features as paying in advance ,the time limitation of the deal persistence and even the unilateral risk of trading .T he legal nature of the prepayment trading belongs to service and consumer contract ,w hich is reflected in seven legal issues ,such as numerous unfair clauses , the limitation of consuming ,the gap between the actual service and product quality and expected standard , and lack of prepayment funding protection .Although Chinese Department of Commerce has published T he Regulations of Single‐purpose Commercial Prepayment Cards (Trial version) ,there are a lot to be im‐proved in the regulations and successful experience to be learned from other provinces . The following measures can be taken:seven proprietors'obligations and four consumers'rights should be added to Con‐sumer Protection Act ;types of consumer and service contracts must be supplemented to and four specific regulations must be made in Contract Law ;meanwhile , The Regulations of Prepayment Trading and some specific rules must be enacted to specify proprietors'admittance systems ,registration and declara‐tion ,deposit or third party guarantee ,supervision and using of prepayment funding ,risk relief funding , supervision subject ,exemplary contract in trade ,self‐regulations and legal responsibilities .