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作为一种高效的支付结算工具,目前,预付型消费卡在我国已经成为经营者招徕顾客、获取稳定客源和谋取利润的常用方式。而在实践过程中,无论是部分经营者迅速获取最大化利益的动机,还是部分购卡者牟取某种利益需求的特定动机,均会导致预付型消费卡功能的异化,引发的争议和争端也日益增多,其中尤为引人关注的就是消费者权益保护的问题。因此,探讨预付型消费卡的本质,并寻求恰当的规制路径具有重要的现实意义。
As an efficient payment and settlement tool, at present, prepaid consumer card has become a common way for operators to attract customers, gain stable customers and make profits in our country. In the process of practice, both the motivation of some operators to gain maximum benefits rapidly and the specific motivation of some purchasers to obtain some kind of interest demand will lead to alienation of prepaid consumption card functions, disputes and disputes caused Increasingly, one of the most interesting issues is the protection of consumers’ rights and interests. Therefore, to explore the nature of prepaid consumer card, and seek appropriate regulatory path has important practical significance.