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學習快評丨qibao666888　　消??(xiao)費??(fei)者??(zhe)自??(zi)身??(shen)也??(ye)需??(xu)增?(zeng)強??(qiang)風??(feng)險??(xian)防??(fang)范??(fan)意??(yi)識??(shi)??，理??(li)性??(xing)看??(kan)待??(dai)“免??(mian)費?(fei)”宣??(xuan)傳??(chuan)??。??在??(zai)領??(ling)養(yǎng)??(yang)前??(qian)應??(ying)核??(he)實??(shi)商??(shang)家??(jia)資??(zi)質??(zhi)??，仔??(zai)細??(xi)審??(shen)查??(zha)合??(he)同??(tong)條??(tiao)款??(kuan)??，特??(te)別?(bie)注??(zhu)意??(yi)分??(fen)期??(qi)付??(fu)款??(kuan)、違??(wei)約??(yue)責??(ze)任??(ren)等??(deng)內??(nei)容??(rong)??，并??(bing)留??(liu)存??(cun)溝??(gou)通??(tong)記??(ji)錄??(lu)??，一??(yi)旦??(dan)發(fā)??(fa)現(xiàn)??(xian)違??(wei)約?(yue)行??(xing)為??(wei)及??(ji)時??(shi)向??(xiang)消??(xiao)協(xié)??(xie)或??(huo)市??(shi)場??(chang)監(jiān)??(jian)管??(guan)部??(bu)門??(men)投??(tou)訴??(su)??。對??(dui)于??(yu)已??(yi)經??(jing)陷??(xian)入??(ru)糾??(jiu)紛??(fen)的??(de)消??(xiao)費??(fei)者??(zhe)??，可??(ke)依??(yi)據??(ju)《民?(min)法??(fa)典??(dian)》第??(di)151條??(tiao)關?(guan)于??(yu)顯??(xian)失??(shi)公??(gong)平??(ping)的??(de)規(guī)??(gui)定??(ding)主??(zhu)張?(zhang)撤??(che)銷??(xiao)合??(he)同??(tong)???！　∩??(shang)家??(jia)打??(da)著??(zhe)“公??(gong)益??(yi)領??(ling)養(yǎng)??(yang)”的?(de)幌??(huang)子?(zi)??，通??(tong)過??(guo)透??(tou)明??(ming)展??(zhan)柜??(gui)中??(zhong)活??(huo)潑??(po)可??(ke)愛??(ai)的??(de)寵??(chong)物?(wu)吸?(xi)引??(yin)客??(ke)流?(liu)?。??當??(dang)消??(xiao)費??(fei)者??(zhe)產??(chan)生??(sheng)領??(ling)養(yǎng)??(yang)意??(yi)向??(xiang)時??(shi)??，店??(dian)員??(yuan)便??(bian)推??(tui)出??(chu)“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)分??(fen)期??(qi)方??(fang)案??(an)??，將??(jiang)寵??(chong)物??(wu)用?(yong)品?(pin)費??(fei)用??(yong)分??(fen)解??(jie)為??(wei)24期??(qi)或??(huo)36期??(qi)付??(fu)款??(kuan)??，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)也??(ye)被??(bei)稱??(cheng)為??(wei)“寵??(chong)物??(wu)貸??(dai)”?。部?(bu)分??(fen)商??(shang)家??(jia)甚??(shen)至??(zhi)將??(jiang)付??(fu)款??(kuan)與??(yu)征??(zheng)信??(xin)掛??(gua)鉤??(gou)??，威??(wei)脅??(xie)消??(xiao)費??(fei)者??(zhe)若??(ruo)中??(zhong)途??(tu)停??(ting)止??(zhi)付??(fu)款??(kuan)將??(jiang)影??(ying)響??(xiang)信??(xin)用??(yong)記??(ji)錄??(lu)?。。