新闻
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170905/31282646.html
Server: cms-9-53
Date: 2024/12/02 17:17:22

Powered by China
China

星空琴行一夜楼空,预付式消费的坑谁来补

2017-09-05 02:31:40   中国青年网

本报评论员

陈进红

9月1日刚刚缴了几万元钱,9月2日凌晨3点多,人去楼空——星空琴行全国门店一夜之间突然关门歇业。星空琴行在杭州有两家店,分别为西城广场店和拱墅万达广场店。在这次关店潮中,这两家门店都不能幸免。全国多地传来星空琴行门店关门噩耗,涉及消费者或近千人。面对铺天盖地的质疑,星空琴行发文称:“恳请各位家长和学员们给予我们一点时间……”

然而,这样的请求却丝毫难以平息消费者们的不安:一旦星空琴行倒闭,他们将损失高昂的课程费用、租琴押金或钢琴预定费用。对一些消费者而言,损失或超过5万元。

又是一个预付式消费的,类似的新闻屡屡发生:办理了消费卡的美容院、健身房、游泳馆、培训学校……突然关张,往往以寥寥数字的一纸公告来打发消费者。面对“卡还在,店已亡”的消费维权难题,消费者往往投诉无门、维权艰难。一夜之间,存了数千、上万元的消费卡就成了一张废纸。

预付式消费在服务行业商家里几乎成了标配,但这种看似“双赢”的局面,其实不堪一击。可正如民间所言,“买家没有卖家精”。经营者以“打折”、“让利”或者额外“赠送”等为诱饵,误导消费者提前预支未来并不确定的消费。

先预付后消费的模式堪称“空手套白狼”。一些商家把预付消费模式玩出了“花”,先租场地挂了招牌,就开始大规模地让销售员去发售预付卡,收到预付款后再进行装修营运。这种预付消费实质上变成了消费众筹模式,借消费者的预付费方式,行融资之实。而在疏于监管的市场,如果一旦出现资金链断裂,就会容易出现人走楼空,卷钱跑路的商业案件。

虽然早在 2012 年,商务部发布的《单用途商业预付卡管理办法》就规定,凡从事零售业、住宿和餐饮业、居民服务业的发卡企业均须到商务部门备案。为防范商家跑路、失联等情况,该《办法》还规定发卡企业必须进行资金存管,即银行或保险公司等部门进行资金存管或保险兜底,一旦企业出现问题,企业预存资金银行或保险公司就可以赔付部分金额给消费者。

但实际上,备案制似乎并没有遏制此类消费纠纷的发生。而在历次清查实践中,均是由各级政府牵头,诸多部门联合执法、多头执法,监管执法主体不明确,预付卡市场监管秩序混乱。没有专门的法律法规和管理机构对“预付式”消费进行监管,九龙治水谁都不治。

“预付式”消费模式已经出现了近20年,至今依旧乱象丛生。如果此种消费模式屡屡发生纠纷陷阱,甚至积重难返,那么作为看门人的政府相关部门就要出重拳来整治,采取更为严格的措施,将市场行为限制于规范的轨道之中,不能让其再野蛮生长下去。此前全国连锁餐饮企业金钱豹大规模闭店,涉及预付卡金额超千万元。对此,商务部称将开展联合检查,尽快完善工作机制,利用互联网、大数据等手段,来完善预付卡监管。我很想看看如何用大数据、互联网来填这个消费模式的坑。同时,这种以互信为基础的商业模式,最大的隐患就是商家失信。只有从根本上加强信用管理,将商家的失信行为纳入征信系统,才能提高社会规范的震慑力和约束力。当他们处于“不敢跑、跑必惩”的监管环境中,预付式消费的坑或许会少一些。

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170905/31282646.html
Server: cms-9-53
Date: 2024/12/02 17:17:22

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170905/31282646.html
Server: cms-9-53
Date: 2024/12/02 17:17:22

Powered by China
China

相关阅读

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170905/31282646.html
Server: cms-9-53
Date: 2024/12/02 17:17:22

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170905/31282646.html
Server: cms-9-53
Date: 2024/12/02 17:17:22

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170905/31282646.html
Server: cms-9-53
Date: 2024/12/02 17:17:22

Powered by China
China
分享到:
0 0
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170905/31282646.html
Server: cms-9-53
Date: 2024/12/02 17:17:22

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170905/31282646.html
Server: cms-9-53
Date: 2024/12/02 17:17:22

Powered by China
China

美图推荐

404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170905/31282646.html
Server: cms-9-53
Date: 2024/12/02 17:17:22

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170905/31282646.html
Server: cms-9-53
Date: 2024/12/02 17:17:22

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170905/31282646.html
Server: cms-9-53
Date: 2024/12/02 17:17:22

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170905/31282646.html
Server: cms-9-53
Date: 2024/12/02 17:17:22

Powered by China
China

为您推荐

加载更多>>
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170905/31282646.html
Server: cms-9-53
Date: 2024/12/02 17:17:22

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170905/31282646.html
Server: cms-9-53
Date: 2024/12/02 17:17:22

Powered by China
China
404 Not Found

404 Not Found

Sorry for the inconvenience.
Please report this message and include the following information to us.
Thank you very much!

URL: http://3g.china.com:8080/act/news/11038989/20170905/31282646.html
Server: cms-9-53
Date: 2024/12/02 17:17:22

Powered by China
China