分时度假的消费者保护初探

分时度假作为一种旅游创新产品,在上世纪90年代初被导入我国后,却引发大量纠纷,大大损害了消费者权益。就消费者保护而言,分时度假立法中必须创设信息披露、冷却期和托管三大制度。     

China＇s Energy Efficient Appliance Adoption Dilemma： Problems,Possibilities, and Solutions

With the world＇s largest population and growing concerns that increasing energy consumption threatens the environment, the economy, and social stability, the Chinese Government has identified improving the physical environment as a priority. One way consumers can assist in this effort and save money is to invest in energy efficient appliances. Despite efforts to encourage consumers to purchase energy efficient appliances, consumer adoption of these money and energy saving devices is quite low. The authors contend that energy efficient appliances are less popular in China than in the West due to poor marketing of the cost savings of these devices coupled with lower levels of purchases with credit versus cash. A survey given to Chinese consumers seeks to answer these queries and provides evidence of ways to improve the adoption of energy efficient appliances. This benefits manufacturers （who make money selling more expensive items）, consumers （who save money over the life of the appliance since the cost of ownership is not just the cost of purchasing the item but also includes the cost of using it）, the Chinese Government （which is currently engaged in a campaign to lower the amount of energy used）, and the world （which benefits from a cleaner environment）.     

全球消费者行政设置述评

消费者行政的建构对消费者保护政策、制度、法律的实现效果至关重要,本文对法国、德国、瑞典、英国、美国、澳大利亚、新西兰、日本等国家和地区的消费者行政设置情况进行了细致的考察和整理,并就其对我国的借鉴价值做出评论,以期为中国消费者法研究提供充分、及时的资讯,并对未来中国《消费者权益保护法》立法修改有所启发。     

论惩罚性损害赔偿在消费者保护领域之应用——理论与制度分析

从现有保护消费者权益之手段的弊端及惩罚性损害赔偿制度与集团诉讼、小额诉讼制度比较的角度出发,多学科的视角和利益衡平的原理对惩罚性赔偿制度有其必要性、正当性以及可行性。在我国国情下完善对惩罚性赔偿本土化的构建须明确该制度在消费者保护体系中的功能定位,及该体系内相关制度的配合衔接。     

Paul Hirst’s encounters with Economy and Society

Abstract

This article examines the construction of the homo economicus in Argentina in the context of the last military dictatorship (1976–83). While the worldviews of the military and neo-liberal economists of the time were very different, their common concern for distortions in economic and political life made them translatable. These economists provided a new economic identity that would be in tune with monetarist theory, replace ‘distorting’ collective identities and allow individuals to be governed from a distance. I argue that the homo economicus was performed through two sets of tools: consumer campaigns and the financial press. However, individuals did not always behave as expected. The contradictions of neo-liberalism, between its liberalism and its quest to create self-regulating spheres through active government intervention, led to the financial crisis of 1980. Economists later blamed the crash on the irresponsibility of market actors and expressed doubt regarding the self-regulating model they had promoted. In the conclusion, the legacy of the attempt to perform the homo economicus is assessed.     

团体成员身份与环保消费行为——基于社会参与和社会教育视角的分析

基于社会参与和社会教育视角,文章利用日本综合社会调查数据实证分析了团体成员身份对环保消费行为的影响。结果表明,除了人口统计学和环境意识变量之外,团体成员身份也是预测个体环保消费行为的重要变量。另外,文章也发现不同团体的作用不尽相同,志愿者团体、市民运动团体和消费者团体成员身份变量显著正向影响环保消费行为,而政治团体和宗教团体成员身份对环保消费行为则不显著。     

论消费者的责任

近年来,西方一些国家的消费者政策发生了转换,消费者的知情权、消费者教育以及消费者的义务得以强化。国际社会还兴起了"消费者社会责任行动"。消费者责任实际上指的是消费者的义务,它分为消费者对自己的责任、对经营者的责任和对社会的责任三个方面。消费者保护法中应规定消费者的责任,但应仅限于消费者对自己和社会的责任,而不是对经营者的责任。作为消费者中的一个类别,金融消费者也应负相应的责任。     

网络消费者合同的法律适用

现行跨国消费者合同的法律适用的规则,以罗马公约、美国为代表的规定比较灵活.网络的开放性、虚拟性、技术性等特征,使得网络消费者合同产生法律冲突问题,值得进一步研究.     

金融消费者的法律定义

对"金融消费者"进行法律定义,应充分挖掘概念与制度之间的理论逻辑,根据制度内容来推导概念的内涵与外延。"金融消费者"概念的提出以及相关倾斜性保护制度的构建,是基于其与金融经营者之间"实力不对等、信息不对称"的理论预设。根据这一制度逻辑,顺应金融消费者保护的国际立法和监管趋势,并考虑我国国情,我国金融消费者应该是指"已经、正在或正打算购买、接受金融机构提供的金融商品或服务的自然人、法人和其他组织,但专业投资者除外"。     

分期付款购车保证保险基本法律问题探析

保证保险不同于信用保险和保证担保,它在分期付款购车中的应用值得认真探讨。