预付式消费是一种新型的消费方式,我国现行立法对预付式消费者权益的保护原则性过强,缺乏可操作性和针对性。因此,要建立健全预付式消费者权益保障法律体系,建立预付卡发售申报或登记制度、预付资金监管等具体法律制度。此外,还要加强行政监管的力度,发挥行业自律协会的作用。 Prepaid consumption is a new type of consumption. The current legislation of our country protects the rights and interests of prepaid consumers in principle too much and lacks maneuverability and pertinence. Therefore, it is necessary to establish and improve a legal system for guaranteeing the rights and benefits of consumers in advance, establish specific legal systems such as the declaration or registration system of prepaid cards, and the supervision of prepaid funds. In addition, we need to step up administrative supervision and give play to the role of industry self-regulation associations.