摘 要
随着市场经济的发展，格式条款在民事合同中广泛应用，其便捷性促进了交易效率的提升，但也带来了消费者权益易受侵害的问题。本研究旨在探讨民事合同中的格式条款规制与消费者保护，以期构建更加完善的法律保障体系。通过对国内外相关法律法规、司法解释及判例进行系统梳理，并结合问卷调查和访谈等实证研究方法，深入分析格式条款存在的不公平现象及其对消费者权益的影响。研究发现，当前格式条款存在提供方利用优势地位制定不合理条款、消费者知情权和选择权受限等问题。为此提出应强化立法明确性，完善格式条款审查机制，建立多元化的争议解决途径等建议。创新之处在于不仅从法律文本层面剖析问题，更关注实际应用效果，强调消费者参与度。
关键词：格式条款规制 消费者权益保护 民事合同
Abstract
With the development of market economy, standard terms are widely used in civil contracts, and their convenience promotes the improvement of transaction efficiency, but it also brings about the problem that consumers' rights and interests are vulnerable to infringement. This study aims to explore the regulation of standard terms and consumer protection in civil contracts, in order to build a more perfect legal guarantee system. Through the systematic combing of relevant laws and regulations, judicial interpretations and precedents, combined with empirical research methods such as questionnaire surveys and interviews, the unfair phenomenon of standard terms and their impact on consumer rights and interests are deeply analyzed. It is found that the current standard terms have problems such as providers 'taking advantage to make unreasonable terms, consumers' right to know and limited choice. Therefore, it is proposed to strengthen the clarity of legislation, improve the standard clause review mechanism, and establish diversified dispute resolution channels. The innovation lies in not only analyzing the problem from the level of legal text, but also paying more attention to the practical application effect and emphasizing consumer participation.
Keyword:Format Clause Regulation Consumer Rights Protection Civil Contract
目 录
1绪论 1
1.1研究背景与意义 1
1.2国内外研究现状 1
1.3研究方法与思路 1
2格式条款的法律属性与构成要件 2
2.1格式条款的概念界定 2
2.2格式条款的特征分析 3
2.3格式条款的构成要素 3
3格式条款规制的理论基础与制度构建 4
3.1格式条款规制的法理依据 4
3.2消费者权益保护的立法原则 4
3.3格式条款规制的具体制度 5
4格式条款在实践中的问题及应对措施 5
4.1实践中格式条款的常见问题 6
4.2消费者权益受损的表现形式 6
4.3完善格式条款规制的建议 7
结论 7
参考文献 9
致谢 10
随着市场经济的发展，格式条款在民事合同中广泛应用，其便捷性促进了交易效率的提升，但也带来了消费者权益易受侵害的问题。本研究旨在探讨民事合同中的格式条款规制与消费者保护，以期构建更加完善的法律保障体系。通过对国内外相关法律法规、司法解释及判例进行系统梳理，并结合问卷调查和访谈等实证研究方法，深入分析格式条款存在的不公平现象及其对消费者权益的影响。研究发现，当前格式条款存在提供方利用优势地位制定不合理条款、消费者知情权和选择权受限等问题。为此提出应强化立法明确性，完善格式条款审查机制，建立多元化的争议解决途径等建议。创新之处在于不仅从法律文本层面剖析问题，更关注实际应用效果，强调消费者参与度。
关键词：格式条款规制 消费者权益保护 民事合同
Abstract
With the development of market economy, standard terms are widely used in civil contracts, and their convenience promotes the improvement of transaction efficiency, but it also brings about the problem that consumers' rights and interests are vulnerable to infringement. This study aims to explore the regulation of standard terms and consumer protection in civil contracts, in order to build a more perfect legal guarantee system. Through the systematic combing of relevant laws and regulations, judicial interpretations and precedents, combined with empirical research methods such as questionnaire surveys and interviews, the unfair phenomenon of standard terms and their impact on consumer rights and interests are deeply analyzed. It is found that the current standard terms have problems such as providers 'taking advantage to make unreasonable terms, consumers' right to know and limited choice. Therefore, it is proposed to strengthen the clarity of legislation, improve the standard clause review mechanism, and establish diversified dispute resolution channels. The innovation lies in not only analyzing the problem from the level of legal text, but also paying more attention to the practical application effect and emphasizing consumer participation.
Keyword:Format Clause Regulation Consumer Rights Protection Civil Contract
目 录
1绪论 1
1.1研究背景与意义 1
1.2国内外研究现状 1
1.3研究方法与思路 1
2格式条款的法律属性与构成要件 2
2.1格式条款的概念界定 2
2.2格式条款的特征分析 3
2.3格式条款的构成要素 3
3格式条款规制的理论基础与制度构建 4
3.1格式条款规制的法理依据 4
3.2消费者权益保护的立法原则 4
3.3格式条款规制的具体制度 5
4格式条款在实践中的问题及应对措施 5
4.1实践中格式条款的常见问题 6
4.2消费者权益受损的表现形式 6
4.3完善格式条款规制的建议 7
结论 7
参考文献 9
致谢 10
