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學(xué)習(xí)快評丨qibao666888　　消??(xiao)費??(fei)者??(zhe)在??(zai)進??(jin)行??(xing)預(yù)??(yu)付?(fu)式??(shi)消??(xiao)費?(fei)時?(shi)??，首??(shou)先??(xian)??，應(yīng)??(ying)理??(li)性??(xing)評??(ping)估??(gu)自?(zi)身??(shen)需??(xu)求??(qiu)??，充??(chong)分??(fen)考??(kao)慮??(lv)自??(zi)己?(ji)是??(shi)否??(fou)會?(hui)長??(chang)期??(qi)使??(shi)用??(yong)該??(gai)服??(fu)務(wù)??(wu)或??(huo)商??(shang)品??(pin)??，避??(bi)免??(mian)因??(yin)優(yōu)??(you)惠??(hui)福??(fu)利??(li)而??(er)沖?(chong)動??(dong)消??(xiao)費?(fei)?。??　　我??(wo)國??(guo)已??(yi)有??(you)明??(ming)確??(que)法??(fa)律??(lv)規(guī)?(gui)范??(fan)旨??(zhi)在??(zai)保?(bao)障??(zhang)預(yù)??(yu)付??(fu)式??(shi)消??(xiao)費??(fei)亂??(luan)象??(xiang)中?(zhong)消??(xiao)費?(fei)者??(zhe)的??(de)合??(he)法??(fa)權(quán)??(quan)益??(yi)??。??我??(wo)國??(guo)消??(xiao)費??(fei)者??(zhe)權(quán)??(quan)益?(yi)保??(bao)護??(hu)法?(fa)規(guī)??(gui)定??(ding)??，經(jīng)??(jing)營??(ying)者??(zhe)以??(yi)預(yù)??(yu)收??(shou)款??(kuan)方??(fang)式??(shi)提??(ti)供??(gong)商??(shang)品??(pin)或??(huo)者??(zhe)服秘(fu)務(wù)??(wu)的??(de)??，應(yīng)??(ying)當(dāng)??(dang)按??(an)照??(zhao)約?(yue)定??(ding)提??(ti)供??(gong)??。未??(wei)按??(an)照??(zhao)約??(yue)定??(ding)提?(ti)供??(gong)的??(de)??，應(yīng)??(ying)當(dāng)??(dang)按??(an)照??(zhao)消??(xiao)費??(fei)者??(zhe)的??(de)要??(yao)求??(qiu)履??(lv)行??(xing)約?(yue)定??(ding)或??(huo)者??(zhe)退??(tui)回??(hui)預(yù)?(yu)付??(fu)款??(kuan)；并??(bing)應(yīng)??(ying)當(dāng)??(dang)承??(cheng)擔(dān)??(dan)預(yù)??(yu)付??(fu)款??(kuan)的??(de)利??(li)息??(xi)、消??(xiao)費??(fei)者??(zhe)必??(bi)須??(xu)支??(zhi)付??(fu)的??(de)合??(he)理??(li)費??(fei)用??(yong)??。如??(ru)果??(guo)商??(shang)家??(jia)存??(cun)在??(zai)欺??(qi)詐??(zha)行??(xing)為?(wei)??，消??(xiao)費??(fei)者??(zhe)有??(you)權(quán)??(quan)要??(yao)求??(qiu)增?(zeng)加?(jia)賠??(pei)償?(chang)??，增?(zeng)加??(jia)賠??(pei)償??(chang)的??(de)金??(jin)額??(e)為??(wei)消??(xiao)費??(fei)者??(zhe)購??(gou)買??(mai)商??(shang)品??(pin)的??(de)價?(jia)款?(kuan)或??(huo)者??(zhe)接??(jie)受??(shou)服??(fu)務(wù)??(wu)的??(de)費??(fei)用??(yong)的??(de)三??(san)倍??(bei)；增??(zeng)加??(jia)賠??(pei)償??(chang)的??(de)金??(jin)額??(e)不?(bu)足??(zu)五?(wu)百?(bai)元??(yuan)的??(de)??，為??(wei)五??(wu)百?(bai)元?(yuan)??。從??(cong)行??(xing)政??(zheng)監(jiān)??(jian)管??(guan)角??(jiao)度??(du)來??(lai)看??(kan)??，各??(ge)地??(di)也??(ye)陸??(lu)續(xù)??(xu)出??(chu)臺??(tai)了??(le)針??(zhen)對??(dui)預(yù)??(yu)付??(fu)式??(shi)消??(xiao)費??(fei)的??(de)管??(guan)理??(li)辦??(ban)法??(fa)??，對??(dui)商??(shang)家??(jia)的?(de)發(fā)??(fa)卡??(ka)行??(xing)為??(wei)、資?(zi)金??(jin)監(jiān)??(jian)管??(guan)等??(deng)進??(jin)行??(xing)了??(le)規(guī)??(gui)范?(fan)??。若??(ruo)商??(shang)家??(jia)以??(yi)非??(fei)法??(fa)占??(zhan)有??(you)為??(wei)目??(mu)的??(de)??，在??(zai)預(yù)??(yu)付??(fu)式??(shi)消??(xiao)費??(fei)中??(zhong)采??(cai)用??(yong)虛??(xu)構(gòu)??(gou)事??(shi)實??(shi)、隱??(yin)瞞??(man)真??(zhen)相??(xiang)的??(de)手??(shou)段??(duan)大??(da)量??(liang)騙??(pian)取??(qu)消??(xiao)費??(fei)者??(zhe)預(yù)??(yu)付??(fu)款??(kuan)項??(xiang)??，且??(qie)數(shù)??(shu)額??(e)達??(da)到??(dao)一??(yi)定??(ding)標(biāo)??(biao)準??(zhun)??，可??(ke)能??(neng)涉??(she)嫌??(xian)詐?(zha)騙??(pian)罪??(zui)??，我??(wo)國??(guo)刑??(xing)法??(fa)第??(di)二??(er)百??(bai)六??(liu)十??(shi)六??(liu)條??(tiao)對??(dui)詐??(zha)騙??(pian)罪??(zui)及??(ji)其??(qi)刑??(xing)事??(shi)處?(chu)罰??(fa)作??(zuo)出??(chu)了??(le)明??(ming)確??(que)規(guī)??(gui)定??(ding)??。。