电商领域预付式消费“跑路”风险的法律防范机制研究

Research on the Legal Prevention Mechanism of the Risk of Prepaid Consumption in the Field of E-Commerce

摘要: 近年来，预付式消费成为当前热门的消费模式，最高人民法院2025年发布的《关于审理预付式消费民事纠纷案件适用法律若干问题的解释》虽有效规制了预付式消费领域的诸多乱象，但在实际执行中仍面临诸多困难。本文基于此，探讨如何进一步完善在电商领域预付式消费领域的法律防范机制，通过整合《电子商务法》《消费者权益保护法》等法律中的相关规定，明确预付式消费中消费者权益保护的法律依据，从立法和司法层面构建系统化的权益保护体系，同时保证监管全覆盖，形成事前预防、事中监督、事后救济的分析路径，明确平台的主体责任，以期为我国预付式消费立法的进一步优化提供参考，切实保障消费者权益，促进消费市场的健康发展。

Abstract: Although the Interpretation on “Several Issues Concerning the Application of Law in the Trial of Civil Disputes over Prepaid Consumption” issued by the Supreme People’s Court in 2025 has effectively regulated many chaos in the field of prepaid consumption, it still faces many difficulties in actual implementation. Based on this, this paper discusses how to further improve the legal prevention mechanism in the field of prepaid consumption in the field of e-commerce, by integrating the relevant provisions of the “E-commerce Law”, “Consumer Rights Protection Law” and other laws, clarifying the legal basis for the protection of consumer rights and interests in prepaid consumption, building a systematic rights and interests protection system from the legislative and judicial levels, and ensuring full coverage of supervision, forming an analysis path of pre-prevention, in-process supervision and post-event relief, and clarifying the main responsibility of the platform. In order to provide reference for the further optimization of our country’s prepaid consumption legislation, effectively protect the rights and interests of consumers, and promote the healthy development of the consumer market.