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學(xué)習(xí)快評丨qibao666888　　商??(shang)家??(jia)打??(da)著??(zhe)“公??(gong)益??(yi)領(lǐng)??(ling)養(yǎng)??(yang)”的??(de)幌??(huang)子??(zi)??，通??(tong)過??(guo)透??(tou)明?(ming)展??(zhan)柜??(gui)中??(zhong)活??(huo)潑?(po)可??(ke)愛?(ai)的??(de)寵??(chong)物??(wu)吸??(xi)引??(yin)客??(ke)流??(liu)?。??當(dāng)??(dang)消??(xiao)費(fèi)??(fei)者??(zhe)產(chǎn)??(chan)生?(sheng)領(lǐng)??(ling)養(yǎng)??(yang)意??(yi)向??(xiang)時?(shi)??，店??(dian)員??(yuan)便??(bian)推??(tui)出??(chu)“寵??(chong)物??(wu)糧??(liang)保??(bao)障?(zhang)計??(ji)劃??(hua)”“無??(wu)憂??(you)養(yǎng)??(yang)寵??(chong)計??(ji)劃??(hua)”等??(deng)分??(fen)期??(qi)方??(fang)案??(an)??，將??(jiang)寵??(chong)物??(wu)用??(yong)品??(pin)費(fèi)??(fei)用?(yong)分??(fen)解??(jie)為?(wei)24期??(qi)或??(huo)36期??(qi)付??(fu)款??(kuan)??，錢??(qian)款??(kuan)用??(yong)于??(yu)在??(zai)商??(shang)家??(jia)的??(de)小??(xiao)程??(cheng)序??(xu)“商??(shang)城??(cheng)”購??(gou)買?(mai)飼??(si)養(yǎng)??(yang)用??(yong)品??(pin)??，這??(zhe)種??(zhong)每??(mei)月??(yue)定??(ding)時?(shi)付??(fu)款??(kuan)的?(de)模??(mo)式??(shi)也??(ye)被??(bei)稱??(cheng)為??(wei)“寵??(chong)物??(wu)貸??(dai)”?。部??(bu)分??(fen)商??(shang)家??(jia)甚??(shen)至??(zhi)將??(jiang)付?(fu)款??(kuan)與??(yu)征??(zheng)信??(xin)掛??(gua)鉤??(gou)??，威??(wei)脅??(xie)消??(xiao)費(fèi)??(fei)者?(zhe)若??(ruo)中??(zhong)途??(tu)停??(ting)止??(zhi)付??(fu)款??(kuan)將??(jiang)影??(ying)響??(xiang)信??(xin)用??(yong)記??(ji)錄??(lu)??！　∠??(xiao)費(fèi)??(fei)者??(zhe)自??(zi)身??(shen)也??(ye)需??(xu)增??(zeng)強(qiáng)??(qiang)風(fēng)??(feng)險??(xian)防??(fang)范??(fan)意??(yi)識??(shi)??，理??(li)性??(xing)看?(kan)待??(dai)“免??(mian)費(fèi)??(fei)”宣??(xuan)傳??(chuan)??。??在??(zai)領(lǐng)??(ling)養(yǎng)??(yang)前??(qian)應(yīng)??(ying)核?(he)實(shí)??(shi)商??(shang)家??(jia)資??(zi)質(zhì)??(zhi)??，仔??(zai)細(xì)??(xi)審??(shen)查??(zha)合??(he)同??(tong)條??(tiao)款??(kuan)??，特??(te)別??(bie)注??(zhu)意??(yi)分??(fen)期??(qi)付??(fu)款??(kuan)、違??(wei)約??(yue)責(zé)??(ze)任??(ren)等??(deng)內(nèi)??(nei)容??(rong)??，并?(bing)留??(liu)存??(cun)溝??(gou)通??(tong)記??(ji)錄??(lu)??，一??(yi)旦??(dan)發(fā)??(fa)現(xiàn)??(xian)違??(wei)約??(yue)行??(xing)為??(wei)及??(ji)時??(shi)向??(xiang)消??(xiao)協(xié)??(xie)或?(huo)市??(shi)場??(chang)監(jiān)??(jian)管??(guan)部??(bu)門??(men)投??(tou)訴??(su)??。對??(dui)于??(yu)已??(yi)經(jīng)??(jing)陷??(xian)入??(ru)糾?(jiu)紛?(fen)的??(de)消??(xiao)費(fèi)??(fei)者??(zhe)??，可??(ke)依??(yi)據(jù)??(ju)《民??(min)法??(fa)典??(dian)》第??(di)151條??(tiao)關(guān)??(guan)于??(yu)顯??(xian)失?(shi)公??(gong)平??(ping)的??(de)規(guī)??(gui)定??(ding)主??(zhu)張??(zhang)撤??(che)銷??(xiao)合??(he)同??(tong)??。。