论预付式消费交易的法律构造  

On the Legal Structure of Prepayment Consumption

作　　者：王叶刚[1] 

机构地区：[1]中央民族大学法学院,北京100081

出　　处：《现代法学》2015年第3期93-103,共11页Modern Law Science

摘　　要：随着市场经济和交易实践的发展,预付式消费交易逐渐成为一种重要的消费模式。预付式消费交易主体多元,法律关系复杂,有必要准确认定其法律构造,厘清各个当事人之间的权利义务关系。购卡人与发卡人之间的合同关系难以有效涵盖整个预付式消费交易,预付式消费交易在法律构造上还应当包括持卡人与实际经营者之间的合同关系。就购卡人与发卡人之间的合同关系而言,购卡人需要向发卡人提供长期资金信用,在约定期间内不得就预付卡主张兑现;发卡人则向购卡人提供便捷的支付工具,并对预付卡支付功能的实现负担法定担保义务;持卡人与实际经营者之间成立普通的购买商品或者提供服务的合同,在实际经营者所提供的商品或者服务存在瑕疵时,持卡人可直接基于该合同关系请求实际经营者承担违约责任。With the development of market economy and transaction practice,prepayment consumption has gradually become an important transaction mode. There are many transaction participants in prepayment consumption with very complicated legal relationship in it,and it is necessary to determine the legal structure of prepayment consumption. It is hard to cover the whole prepayment consumption by the contract between the prepaid card issuer and the prepaid card purchaser,the contract between the cardholder and the practical business owner should also be included in the prepayment consumption. As for the contract between the prepaid card issuer and the prepaid card purchaser,the latter should provide funding credit for the former and cannot ask for encashment; accordingly,the former should provide a simple and convenient payment tool for the latter,and guarantee that the prepaid card can pay for the designated goods or services. The contract between the cardholder and the practical business owner is ordinary contractual relationship. If the practical business owner provides defective goods or service,the cardholder can ask the practical business owner or undertaking the liability for breach of contract.

关 键 词：预付式消费 预付卡 单一合同说 格式条款的解释 

分 类 号：F014.5[经济管理—政治经济学]