私法视域下的商业预付卡研究

作为预付式消费载体的商业预付卡，其持续发展在刺激消费并促进经济发展的同时所体现出来的弊病不在少
数，为此我国政府出台了一系列规章制度来对其进行监管，学界对商业预付卡的规制研究更是百花齐放。公权力对商
业预付卡的事前规制必不可少，私权利对商业预付卡的事后救济也不可或缺。而现今我国对于商业预付卡的规制多
体现于公法的强制监督，私法方面则仅靠《合同法》、《消费者权益保护法》的一般性规定来维护。鉴于此，有必要从
私法角度对债权债务关系、消费者各项权益的保护、商业预付卡合同的建立进行借鉴分析，加强对商业预付卡的事后
救济。

A Study of Prepaid Commercial Card from the Perspective of Private Law

As a means of payrnent in prepaid consumption, commercial prepaid cards have stimulated consumption and pro- moted economic development. However, there also present various defects. Therefore, the Chinese government has launched a series ofrnles and regulations to supervise the use of commercial prepaid cards. Researches on the regulations of commercial prepaid card are flourishing. Public power is necessary for beforehand regulation of commercial prepaid card, and private right for post relief of commercial prepaid card is indispensable as well. At present, the regulation of commercial prepaid card in China is mainly manifested in the supervision of public law enforcement. In terms of private laws, only general rules of Con- tract Law and Law on Protection of the Rights and Interests of Consumers are used to maintain the supervision of commercial prepaid card. Given this, it is necessary to analyze the debtor-creditor relationship, the protection of consumers＇ rights and interests and the establishment of the commercial prepaid card contract from the perspective of private law to strengthen the post relief of commercial prepaid card.