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　　據(jù)??(ju)記??(ji)者??(zhe)了??(le)解??(jie)??，寵??(chong)物??(wu)領??(ling)養(yǎng)??(yang)館??(guan)的??(de)商??(shang)家??(jia)以??(yi)“免??(mian)費?(fei)領??(ling)養(yǎng)??(yang)”“領??(ling)養(yǎng)??(yang)替??(ti)代??(dai)購??(gou)買??(mai)”為??(wei)噱??(xue)頭??(tou)吸??(xi)引??(yin)顧??(gu)客??(ke)到?(dao)店??(dian)??，再??(zai)以??(yi)“寵??(chong)物?(wu)糧??(liang)保??(bao)障?(zhang)計??(ji)劃??(hua)”“無??(wu)憂??(you)養(yǎng)??(yang)寵??(chong)計??(ji)劃??(hua)”等??(deng)名?(ming)義??(yi)要??(yao)求??(qiu)消?(xiao)費?(fei)者??(zhe)辦??(ban)理??(li)兩??(liang)年??(nian)或??(huo)三??(san)年??(nian)分??(fen)期??(qi)業(yè)??(ye)務??(wu)??，每??(mei)月??(yue)支??(zhi)付??(fu)數(shù)??(shu)百??(bai)元?(yuan)??，錢??(qian)款??(kuan)用??(yong)于?(yu)在??(zai)商??(shang)家??(jia)的??(de)小??(xiao)程??(cheng)序??(xu)“商??(shang)城??(cheng)”購??(gou)買?(mai)飼?(si)養(yǎng)??(yang)用??(yong)品??(pin)??。??這??(zhe)種??(zhong)每??(mei)月??(yue)定??(ding)時??(shi)付??(fu)款??(kuan)的??(de)模??(mo)式?(shi)被??(bei)稱??(cheng)為?(wei)“寵??(chong)物??(wu)貸??(dai)”???！　　肮??(gong)眾??(zhong)討??(tao)論??(lun)的??(de)角??(jiao)度??(du)和??(he)法??(fa)律??(lv)層??(ceng)面??(mian)的??(de)認??(ren)定??(ding)確??(que)實??(shi)存??(cun)在?(zai)差??(cha)異??(yi)??。??”李??(li)成??(cheng)說?(shuo)?，消??(xiao)費??(fei)者??(zhe)以??(yi)低?(di)成??(cheng)本??(ben)得??(de)到??(dao)寵??(chong)物??(wu)的??(de)初??(chu)衷??(zhong)與??(yu)商??(shang)家??(jia)之??(zhi)間??(jian)訂??(ding)立??(li)“寵??(chong)物??(wu)領??(ling)養(yǎng)??(yang)協(xié)??(xie)議??(yi)”等??(deng)合??(he)同??(tong)中??(zhong)寵??(chong)物??(wu)免??(mian)費??(fei)領?(ling)養(yǎng)??(yang)雖??(sui)有??(you)差??(cha)異??(yi)?，但??(dan)消?(xiao)費??(fei)者??(zhe)需??(xu)分??(fen)期??(qi)支??(zhi)付??(fu)寵??(chong)物??(wu)用??(yong)品??(pin)費??(fei)的??(de)約?(yue)定??(ding)?，一??(yi)般??(ban)應??(ying)認??(ren)為??(wei)系??(xi)交??(jiao)易??(yi)雙??(shuang)方??(fang)協(xié)??(xie)商?(shang)權(quán)??(quan)衡??(heng)之??(zhi)下??(xia)的??(de)真??(zhen)實??(shi)意??(yi)愿??(yuan)?，合??(he)同??(tong)應??(ying)為?(wei)有??(you)效??(xiao)?，雙??(shuang)方??(fang)均??(jun)應?(ying)恪??(ke)守??(shou)履??(lv)行??(xing)??。。