消费者反悔权制度探析

反悔权制度即冷静期制度在其他国家及地区立法中早已有之,该制度对处于弱势地位的消费者权益具有特殊保护功能.反悔权制度在我国消费者权益保护法研究领域鲜有提及,也鲜为人知.文章对反悔权制度存在的理论基础进行分析,结合当前立法现状与实践,认为在现今消费者主权时代,我国应当适度修正相关法律制度,构建反悔权制度,以便更好地保护消费者权益.     

新消费模式下消费者权益的法律保护初探

消费创新方兴未艾,正在悄然改变着消费者的消费方式,是当下消费领域的突出特点,为消费者权益保护提供了新机遇与挑战。在新的消费模式下表现出了新的消费侵权特点,展望党的十八届三中全会对市场的愿景,在消费者权益保护中着重完善立法、加强市场监管实现消费者权益的事前保护;根据目前新的消费模式下对效率的需求,增加消费者公益诉讼制度,提高法律保护效率显得异常必要。     

网络消费环境下消费者反悔权制度的建立与完善

在网络消费模式中,消费者处于明显弱势地位,权益易受到侵害,尽快确立网络消费的反悔权,对保障网络消费者的合法权益显得尤为重要。本文对网络消费中出现的问题进行分析,探讨了消费者反悔权制度的建立与完善。     

构建基于消费者-金融产品关系生命周期的金融消费者保护体系

构建完善的金融消费者保护体系,应基于消费者-金融产品关系生命周期,探析金融消费者权益遭受侵害的根源,通过定期开展全国金融知识普查及金融消费者权益侵害调查、推进我国金融消费者权益保护法制建设、逐步完善多元化的金融消费纠纷解决机制、设计实施旨在减少消费者行为偏差的信息披露制度、建立多层次的金融消费者教育体系、规范金融机构经营行为及从消费者利益出发促进有效竞争等措施,多措并举、有机结合、突出协同,以有效捍卫金融消费者权益.     

电子商务环境下的消费者权益保护

消费者权益保护一直是人们社会生活中关注的重大问题,随着消费者的消费理念、消费方式、消费结构发生变化,在消费者权益保护领域出现了不少新情况、新问题,也暴露出我国消费者权益保护法律的制度缺陷。针对这种情况,新修改的《消法》与时俱进,对个人信息保护、网络购物、公益诉讼、惩罚性赔偿等有关消费者权益保护方面的热点问题做出明确规定,有利于全方位保护消费者权益,建设一个文明、健康、和谐的消费环境。     

消费者权益保护法修订与完善

《消费者权益保护法》是保护消费者合法权益的基本法律,是国家出于对消费者弱势地位的考虑而给予消费者的一种特别保护。自颁布实施以来,在消费维权方面发挥了巨大作用,但随着经济和社会的发展,新型消费关系、消费形式不断涌现,消费者权益受到侵害的情况日益严重,特别是近几年食品、药品行业接连发生的群体伤害案件,逐渐暴露出我国消费者权益保护法律制度上存在的不足与缺陷,消费者权益难以得到充分而有效的保护。因此需要通过修订与完善法律予以解决。     

消费者反悔权下商家利益的保护问题

新《消费者权益保护法》将消费者远程消费过程中的反悔权在法律层面上予以确定,是消费者权益保护领域的一大进步,但同时,这项权利在具体的行使过程中也遇到了一些困境。其中,消费者滥用反悔权损害商家利益的案例屡见不鲜,这与规定本身的可操作性、消费者与经营者双方的诚信机制、消费者滥用反悔权等方面有着密切的联系。本文通过介绍消费者反悔权的内涵以及现行法律规定,分析其在行使中的困境,提出了建立远程消费诚信机制的几点拙见。     

我国消费者增权探析

文章评介了西方消费者增权理论,分析了改革开放以来我国在消费者增权方面所取得的成效和消费者增权在民众中存在的不均衡状况,政府是消费者增权的重要主体,应通过创新制度,切实赋予和保障消费者的就业权、收入权、选举权、诉讼权等经济政治权力,实现社会整体的消费者增权目标。     

共享经济下的消费者权益保护

共享经济是一种目前新兴的经济种类,对推动国家经济的繁荣发挥了重要作用,但也给传统的消费者权益保护制度带来了冲击与挑战。本文研究了当前共享经济背景下对消费群体利益维护的情况,探寻了问题的根本原因,在共享经济中,尽最大努力让商家、消费群体和平台三者的利益和义务实现平均分配,进而有效保护共享经济模式中的消费者权益。     

浅谈消费者权益保护制度的现状及发展

从法律制度上寻求对消费者权益的保护,是政府依法行政的基本要求,也是贯彻以人为本、尊重和保护人权的重要表现。如何从制度设计上充分保障消费者权益不受侵犯,是一个值得深入研究的现实课题。本文从消费者权益保护制度的现状描述入手,分析了消费者权益保护工作存在的问题,并就完善消费者权益保护的制度进行了探索性思考。文章认为,当前消费者权益保护工作存在的问题是:法律法规制定不够完善,出现法律漏洞、地方垄断、行业垄断对消费者利益的影响、法律法规的发展速度远远落后于新生事物的发展速度以及消费者自我保护意识薄弱。有鉴于此,要进一步完善消费者权益保护制度,必须注意四个方面的深入研究和探索。一是认清形势,充分认识到完善消费者权益保护制度的重要性和紧迫性;二是要建立健全消费者权益保护的法律体系;三是打破垄断,促进经济发展;四是加大宣传力度,加强消费者自我保护意识。     

电子商务中消费者权益保护的经济分析

在电子商务环境下 ,经营者和消费者的信息不对称尤其严重 ,这使得电子商务中的消费者权益保护问题更为突出。采用不完全信息的动态博弈模型对电子商务中的消费者权益保护问题进行深入的分析 ,同时 ,为了减少电子商务中经营者和消费者之间的信息不对称 ,以维护电子商务中消费者的权益 ,必须制定相应措施     

Consumer rights of the elderly as vulnerable consumers in South Africa: some comparative aspects of the Consumer Protection Act 68 of 2008

Although consumer protection is not a new concept in South African law, the Consumer Protection Act 68 of 2008 (CPA) now provides for a much more comprehensive and encompassing mechanism to protect consumers. Consumers are protected, not only in the provision of goods and services, the conclusion of contracts but also in the promotion and marketing thereof. The CPA further provides special protection to a particular type of consumer which is the vulnerable consumer and includes elderly consumers. Importantly, and for the first time in the history of South African law, the consumer is provided with eight core fundamental consumer rights. As this contribution is an attempt to provide an interdisciplinary analysis from a legal perspective, identification of what is considered to be an ‘elderly' consumer, needs to be assessed by referring to relevant empirical studies from both an international as well as South African perspective. The focus of this study is on the protection of the elderly as a category of vulnerable consumers in terms of the CPA. The investigation will attempt to show that the elderly is protected in terms of all eight of the fundamental consumer rights within the CPA. Special reference will be made to two fundamental rights of the consumer in terms of the CPA. First, the elderly consumer's right to equality in the consumer market (Part A of the CPA) which provides additional protection as the CPA also refers to the Constitutional right to equality. Second, the elderly consumer's the right to fair and responsible marketing (Part E of the CPA) which in terms of the research is compared with the EU Unfair Commercial Practices Directive. Certain problems regarding elderly consumers are identified and the importance of consumer rights as well as the implementation of the correct consumer policy is argued.     

Consumer education in the UK: new developments in policy,strategy and implementation

Consumer education is an integral part of the European Community's consumer policy. It plays a key role in consumer empowerment, helping consumers gain the skills, attitudes and knowledge they need to be able to gear the choices they make as consumers to their economic interests and to protect their health and safety. In its policy statement, the Directorate General for Health and Consumer Protection states that the European Community is aware that joint measures at national and Community levels should be more structured, in order to achieve maximum effectiveness. This paper aims to set out the current policy and strategic context for consumer education and empowerment in the UK; review the role of UK government bodies and other agencies concerned with developments; review recent literature; present the results of interviews with an extensive range of key stakeholders and the results of a survey of service heads for trading standards throughout the UK. It will consider implementation, partnership, resources, ideas and opportunities. The research found that the agenda for consumer education in the UK is at an interesting stage of development. The Enterprise Act 2002 gives the Office of Fair Trading (OFT) a statutory power to carry out educational activities. Consumer education is also moving up the agenda in the trading standards service. In addition, the teaching of citizenship in English schools is already stimulating new developments in consumer education. The paper will consider the need for organizations like these to work together to build on these policy developments and ensure that consumer education gains the profile it needs to influence consumer attitudes and behaviour.     

试论我国消费者权益保护的制度创新与完善

我国消费者权益保护制度的根本目的在于保护消费者的合法权益、规范经营者的经营行为、促进社会主义市场经济的良性发展。随着经济社会深刻而全面的发展,消费者的法治意识、权利意识、规范意识渐愈强烈。在安全消费、称心消费、满意消费、自由消费成为普遍社会意识的背景下,消费者对自身权益的保护愈加关注和重视,这必然会促使我国现有消费者权益保护制度的与时俱进,并作出调整和革新,以适应消费者的需求,同时为构建和谐消费关系提供强有力的制度保障。     

电子商务中消费者的权益保护研究

电子商务改变了传统商务手段,开拓了新的市场,产生了巨大的效应,同时也为消费者的权益保护带来了新的挑战。本文旨在对这些问题进行分析并提出相应的对策,以保护消费者在电子商务环境下的合法权益。     

Consumer education and empowerment in Europe: recent developments in policy and practice

This article develops the findings of an evaluation of European Commission consumer education, information and capacity building actions conducted in 2011, with an examination of action taken by 2016 to address the recommendations. Based on empirical research of documents, in‐depth interviews, focus groups and semi‐structured surveys of Directorate General for Health and Consumers and Directorate General for Education and Culture policy networks, it discusses the journey taken to improve consumer education and empowerment throughout Europe. Implementation of the recommendations aims to transform consumer education and empowerment in Europe, with integrated and updated resources for the maximum number of teachers across the European Union, where teachers can focus the resources on consumer education activities relevant for their learners. A key focus of the new developments is to deliver higher European Union (pan‐European) added‐value, better coordination and synergies with national activities.     

Consumer Control and Empowerment: A Primer

This paper introduces consumer empowerment as a promising research area. Going beyond lay wisdom that more control is always better, we outline several hypotheses concerning (a) the factors that influence the perception of empowerment, and (b) the consequences of greater control and the subjective experience of empowerment on consumer satisfaction and confidence.     

消费信用与消费者破产研究

消费信用与消费者破产之间存在密切的联系。进入消费者破产程序的消费者必然有无法偿还的债务,而消费者只有接受了消费信用,才可能成为债务人,因此,消费信用是消费者破产的根本原因。消费信用越容易获得,消费者过度负债的可能性就越高,相应地,消费者对宽松的消费者破产制度的需求就越强烈。从消费市场的繁荣程度和消费者破产数量的关系来看,二者是成正比关系的。消费者破产制度作为消费信用的回收制度将影响消费信用的供给与需求,促进信用体系的建设。消费信用在我国进入快速发展时代,从控制社会危机的角度来看,消费者破产制度的建立已经迫在眉睫。     

Consumer empowerment: global context,UK strategies and vulnerable consumers

Globalization has created new consumer needs and wants, and resulted in consumer confusion regarding the increasing complexity of products and services. This has stimulated global interest in educating and empowering consumers. The UK government has made a very ambitious commitment to ensure that the framework for consumer empowerment and support is at the level of the best in the world by 2008. The government, many consumer organizations and regulators believe that empowered consumers are key to the success of competitive markets. Two national strategies to co‐ordinate activities in the UK have been developed by the Office of Fair Trading (OFT) and the Financial Services Authority (FSA). The OFT consumer education strategy aims to deliver targeted, effective consumer education by increasing co‐ordination and making the best use of available resources. The FSA is leading a financial capability strategy designed to deliver change to improve the UK's financial capability. Both strategies share a vision of educated and confident consumers making informed choices about the products and services they buy, and both aim to empower vulnerable consumers. Given the global interest and the development of national strategies, it is useful to consider what is meant by the term consumer empowerment. Is there a shared view of consumer empowerment internationally? Does the education of consumers result in empowered consumers? To what extent do the national strategies address the empowerment of vulnerable, disadvantaged, excluded or susceptible consumers? These questions will be addressed in this article which reviews the global context for the consumer education and empowerment agenda and considers key UK developments, with particular reference to the needs of vulnerable consumers. The study found that the language of consumer empowerment is gaining prominence in policy and strategy documents at the highest levels internationally in the Organisation of Economic Cooperation and Development and the European Community, and nationally in the UK.     

The effects of consumer empowerment on risk perception and satisfaction with food consumption

This study intends to measure consumer empowerment related to food consumption and determine its effect on food risk perception and satisfaction with food consumption. Data were derived from an analysis of the “2017 Research on Food Consumption Behaviour” by the Korea Rural Economic Institute. Consumer empowerment, risk perception and satisfaction with food consumption were measured using a 5‐point Likert scale. The differences in consumer empowerment according to gender, age, educational level and monthly income were statistically significant. The factors that affected risk perception were information use, healthy eating, consumer rights, consumer responsibility and monthly income. The higher the scores for information use, healthy eating and consumer responsibility, the higher the score for satisfaction with food consumption.