商业预付消费随着我国市场经济的深入发展和消费市场的不断变化应运而生。这种新型消费模式方便了消费者,但由于法律规制的缺失,存在侵害消费者权益的问题。为保护消费者的合法权益,立法部门应当扩大发行商业预付卡的主体范围,完善现有的监管制度。 With the deepening of China’s market economy and the continuous changes of the consumer market, commercial prepaid consumption came into being. This new mode of consumption is convenient for consumers, but due to the lack of legal regulation, there is a problem that infringes the rights and interests of consumers. In order to protect the legitimate rights and interests of consumers, the legislative branch should expand the scope of issuing commercial prepaid cards and improve the existing regulatory system.