“先用后付”服务中消费者知情权保障：现实困境与纾解路径

Consumer Right to Informed Consent in “Buy Now, Pay Later” Services: Current Challenges and Solutions

摘要: “先用后付”作为数字经济时代的新型支付方式，凭借其“0元下单、延后支付”的便利性，迅速渗透至电商平台、实体零售及在线服务领域，成为刺激消费的重要工具。然而，该模式在快速扩张过程中，消费者的知情权受到严重侵害，主要表现为隐蔽开通、信息不透明、数据滥用等问题。本文系统分析了“先用后付”服务中消费者知情权受损的类型，包括功能开通环节的隐蔽性设计、风险披露环节的信息壁垒以及数据授权环节的模糊告知。依次，本文进一步探讨了知情权保障面临的法律规制不足、行政监管漏洞以及消费者维权障碍等现实困境。针对这些问题，本文提出了多层次、立体化的纾解路径，包括立法优化与制度重构、完善行政监管体系、提升消费者权益保护能力、构建科学完善的信用评价体系以及强化平台信息保护责任。通过这些措施，力求在促进消费创新的同时，构建更透明、公平的信用支付环境，实现数字经济高质量发展与消费者权益保护的平衡。

Abstract: “Buy Now, Pay Later” (BNPL), a novel payment model in the digital economy era, has rapidly expanded across e-commerce, retail, and online services due to its convenience of “zero upfront cost and deferred payment,” becoming a key tool for stimulating consumption. However, its rapid growth has severely compromised consumers’ right to informed consent, manifested in issues like stealth enrollment, opaque information, and data misuse. This paper systematically analyzes BNPL-related infringements, including hidden design during activation, information asymmetry in risk disclosure, and vague data authorization practices. It further examines challenges such as inadequate legal frameworks, regulatory gaps, and barriers to consumer redress. Multifaceted solutions are proposed: legislative refinement, enhanced supervision, consumer empowerment, robust credit evaluation systems, and stricter platform accountability. These measures aim to foster transparent, fair credit payment ecosystems while balancing digital innovation with consumer protection.