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學(xué)習(xí)快評(píng)丨qibao666888　　我??(wo)國(guó)?(guo)已??(yi)有??(you)明祝(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(fèi)??(fei)亂??(luan)象??(xiang)中??(zhong)消??(xiao)費(fèi)??(fei)者??(zhe)的??(de)合??(he)法??(fa)權(quán)??(quan)益??(yi)??。??我??(wo)國(guó)??(guo)消??(xiao)費(fèi)??(fei)者??(zhe)權(quán)??(quan)益??(yi)保??(bao)護(hù)??(hu)法??(fa)規(guī)??(gui)定??(ding)??，經(jīng)??(jing)營(yíng)??(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??(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(fèi)??(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(fèi)?(fei)者??(zhe)必??(bi)須?(xu)支??(zhi)付??(fu)的??(de)合??(he)理??(li)費(fèi)??(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(fèi)??(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(fèi)??(fei)者??(zhe)購(gòu)??(gou)買(mǎi)??(mai)商??(shang)品??(pin)的??(de)價(jià)??(jia)款??(kuan)或??(huo)者??(zhe)接??(jie)受??(shou)服??(fu)務(wù)??(wu)的??(de)費(fèi)??(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(lái)??(lai)看??(kan)??，各??(ge)地??(di)也?(ye)陸??(lu)續(xù)??(xu)出??(chu)臺(tái)??(tai)了??(le)針??(zhen)對(duì)??(dui)預(yù)??(yu)付??(fu)式??(shi)消??(xiao)費(fèi)??(fei)的??(de)管??(guan)理??(li)辦??(ban)法??(fa)??，對(duì)??(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(jìn)??(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(fèi)??(fei)中??(zhong)采??(cai)用??(yong)虛??(xu)構(gòu)??(gou)事??(shi)實(shí)??(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(fèi)??(fei)者??(zhe)預(yù)?(yu)付??(fu)款??(kuan)項(xiàng)??(xiang)??，且?(qie)數(shù)?(shu)額??(e)達(dá)??(da)到??(dao)一??(yi)定??(ding)標(biāo)??(biao)準(zhǔn)??(zhun)??，可??(ke)能??(neng)涉??(she)嫌??(xian)詐??(zha)騙??(pian)罪??(zui)??，我??(wo)國(guó)?(guo)刑??(xing)法?(fa)第??(di)二??(er)百??(bai)六??(liu)十??(shi)六??(liu)條??(tiao)對(duì)??(dui)詐??(zha)騙??(pian)罪??(zui)及??(ji)其??(qi)刑??(xing)事?(shi)處?(chu)罰?(fa)作??(zuo)出秘(chu)了??(le)明??(ming)確??(que)規(guī)??(gui)定??(ding)??。　　根??(gen)據(jù)?(ju)我??(wo)國(guó)??(guo)刑??(xing)法?(fa)第??(di)一??(yi)百??(bai)九?(jiu)十??(shi)二??(er)條??(tiao)規(guī)??(gui)定??(ding)??，以??(yi)非??(fei)法?(fa)占??(zhan)有??(you)為??(wei)目??(mu)的??(de)??，使??(shi)用??(yong)詐??(zha)騙??(pian)方??(fang)法??(fa)非??(fei)法??(fa)集??(ji)資??(zi)??，數(shù)?(shu)額??(e)較??(jiao)大??(da)的??(de)??，處??(chu)三??(san)年??(nian)以??(yi)上?(shang)七??(qi)年?(nian)以??(yi)下??(xia)有??(you)期??(qi)徒??(tu)刑??(xing)??，并??(bing)處??(chu)罰??(fa)金??(jin)；數(shù)??(shu)額?(e)巨??(ju)大??(da)或??(huo)者??(zhe)有??(you)其??(qi)他??(ta)嚴(yán)??(yan)重??(zhong)情??(qing)節(jié)??(jie)的??(de)??，處??(chu)七??(qi)年??(nian)以??(yi)上??(shang)有??(you)期??(qi)徒??(tu)刑??(xing)或??(huo)者??(zhe)無(wú)??(wu)期??(qi)徒??(tu)刑??(xing)??，并??(bing)處??(chu)罰??(fa)金??(jin)或??(huo)沒(méi)??(mei)收??(shou)財(cái)??(cai)產(chǎn)?(chan)??。??第??(di)一??(yi)百??(bai)七??(qi)十??(shi)六??(liu)條??(tiao)規(guī)??(gui)定??(ding)??，非??(fei)法??(fa)吸?(xi)收??(shou)公??(gong)眾??(zhong)存??(cun)款??(kuan)或?(huo)者?(zhe)變??(bian)相??(xiang)吸??(xi)收??(shou)公?(gong)眾??(zhong)存??(cun)款??(kuan)??，擾??(rao)亂??(luan)金??(jin)融??(rong)秩??(zhi)序??(xu)的??(de)??，處??(chu)三??(san)年??(nian)以??(yi)下??(xia)有??(you)期??(qi)徒??(tu)刑??(xing)或??(huo)者??(zhe)拘??(ju)役??(yi)??，并??(bing)處??(chu)或??(huo)單?(dan)處?(chu)罰??(fa)金??(jin)；數(shù)??(shu)額??(e)巨??(ju)大??(da)或??(huo)者??(zhe)有??(you)其??(qi)他??(ta)嚴(yán)??(yan)重??(zhong)情??(qing)節(jié)??(jie)的??(de)??，處??(chu)三??(san)年??(nian)以??(yi)上??(shang)十??(shi)年??(nian)以??(yi)下??(xia)有??(you)期??(qi)徒?(tu)刑??(xing)??，并??(bing)處??(chu)罰??(fa)金??(jin)；數(shù)??(shu)額??(e)特??(te)別??(bie)巨??(ju)大??(da)或?(huo)者??(zhe)有??(you)其??(qi)他??(ta)特??(te)別??(bie)嚴(yán)??(yan)重??(zhong)情??(qing)節(jié)??(jie)的??(de)??，處??(chu)十?(shi)年??(nian)以??(yi)上??(shang)有??(you)期?(qi)徒??(tu)刑??(xing)??，并??(bing)處??(chu)罰??(fa)金??(jin)??。根??(gen)據(jù)??(ju)《最??(zui)高??(gao)人??(ren)民??(min)法??(fa)院?(yuan)關(guān)??(guan)于??(yu)審??(shen)理?(li)非??(fei)法??(fa)集??(ji)資??(zi)刑??(xing)事??(shi)案??(an)件??(jian)具??(ju)體?(ti)應(yīng)?(ying)用??(yong)法??(fa)律?(lv)若??(ruo)干??(gan)問(wèn)??(wen)題??(ti)的??(de)解??(jie)釋?(shi)》??，如??(ru)果??(guo)集??(ji)資?(zi)后??(hou)不??(bu)用??(yong)于??(yu)生??(sheng)產(chǎn)??(chan)經(jīng)??(jing)營(yíng)??(ying)活??(huo)動(dòng)??(dong)或??(huo)者??(zhe)用?(yong)于??(yu)生??(sheng)產(chǎn)??(chan)經(jīng)??(jing)營(yíng)??(ying)活??(huo)動(dòng)??(dong)與??(yu)籌??(chou)集??(ji)資??(zi)金??(jin)規(guī)??(gui)模??(mo)明??(ming)顯??(xian)不??(bu)成??(cheng)比?(bi)例??(li)??，致??(zhi)使??(shi)集??(ji)資??(zi)款??(kuan)不??(bu)能??(neng)返??(fan)還??(hai)的??(de)；肆??(si)意??(yi)揮??(hui)霍??(huo)集??(ji)資?(zi)款??(kuan)??，致??(zhi)使??(shi)集??(ji)資??(zi)款??(kuan)不?(bu)能??(neng)返??(fan)還??(hai)等??(deng)情??(qing)形??(xing)??，可??(ke)認(rèn)??(ren)定??(ding)為??(wei) “以??(yi)非?(fei)法??(fa)占??(zhan)有??(you)為??(wei)目??(mu)的??(de)”??，以??(yi)集?(ji)資??(zi)詐??(zha)騙??(pian)罪??(zui)定??(ding)罪??(zui)處??(chu)罰??(fa)??。。