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學習快評丨qibao666888　　為??(wei)了??(le)避??(bi)免??(mian)陷?(xian)入??(ru)“職??(zhi)業(yè)??(ye)閉?(bi)店??(dian)人??(ren)”的??(de)陷??(xian)阱??(jing)??，消??(xiao)費?(fei)者??(zhe)在??(zai)預??(yu)付??(fu)式??(shi)消??(xiao)費??(fei)時??(shi)??，要??(yao)提??(ti)高??(gao)防??(fang)范??(fan)風??(feng)險??(xian)的??(de)意?(yi)識??(shi)和??(he)維??(wei)護??(hu)自??(zi)身??(shen)合??(he)法??(fa)權??(quan)益??(yi)的??(de)能??(neng)力??(li)??。??另??(ling)一??(yi)方??(fang)面??(mian)??，商??(shang)家?(jia)平??(ping)臺?(tai)要??(yao)進??(jin)一??(yi)步??(bu)完?(wan)善??(shan)監(jiān)??(jian)管??(guan)制?(zhi)度??(du)??，建??(jian)立??(li)健??(jian)全??(quan)存??(cun)款??(kuan)保??(bao)險??(xian)制??(zhi)度??(du)??，保??(bao)障??(zhang)消??(xiao)費??(fei)者??(zhe)資??(zi)金??(jin)安??(an)全??(quan)；進?(jin)一??(yi)步??(bu)強??(qiang)化??(hua)經(jīng)??(jing)營??(ying)者??(zhe)的??(de)信??(xin)息??(xi)披??(pi)露??(lu)義??(yi)務??(wu)??，在??(zai)合??(he)同??(tong)簽??(qian)訂??(ding)前??(qian)以??(yi)書??(shu)面??(mian)形??(xing)式??(shi)提??(ti)供??(gong)詳??(xiang)盡??(jin)合??(he)同??(tong)條??(tiao)款?(kuan)??，并??(bing)在??(zai)官??(guan)方?(fang)網(wǎng)??(wang)站??(zhan)、營?(ying)業(yè)??(ye)場??(chang)所??(suo)顯??(xian)著??(zhu)位??(wei)置?(zhi)公??(gong)示??(shi)產(chǎn)??(chan)品??(pin)信??(xin)息??(xi)??，涵??(han)蓋??(gai)服??(fu)務??(wu)內(nèi)??(nei)容??(rong)、價??(jia)格??(ge)、退??(tui)款??(kuan)政??(zheng)策??(ce)等?(deng)關??(guan)鍵??(jian)信??(xin)息??(xi)??。　　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??(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??(quan)益?(yi)?。??我??(wo)國??(guo)消??(xiao)費??(fei)者??(zhe)權?(quan)益??(yi)保??(bao)護??(hu)法??(fa)規(guī)??(gui)定??(ding)??，經(jīng)??(jing)營??(ying)者??(zhe)以??(yi)預??(yu)收??(shou)款??(kuan)方??(fang)式?(shi)提??(ti)供??(gong)商??(shang)品??(pin)或??(huo)者??(zhe)服??(fu)務??(wu)的??(de)??，應??(ying)當??(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??(ying)當??(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??(yu)付??(fu)款??(kuan)；并?(bing)應??(ying)當??(dang)承??(cheng)擔??(dan)預??(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??(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??(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??(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??(yu)付??(fu)式??(shi)消??(xiao)費??(fei)中??(zhong)采??(cai)用?(yong)虛??(xu)構??(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??(yu)付??(fu)款??(kuan)項??(xiang)??，且??(qie)數(shù)??(shu)額??(e)達??(da)到??(dao)一??(yi)定??(ding)標??(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)?。。