導語：大數據征(zheng)信中消費者信用權益保護(hu)分析一文來源于網友上傳，不(bu)代表(biao)本站觀點(dian)，若需(xu)要原創文章可(ke)咨詢客服(fu)老師，歡(huan)迎參考。

摘要:大數據信(xin)(xin)(xin)息龐雜(za)、實(shi)時更新，為(wei)消(xiao)(xiao)費(fei)者獲(huo)(huo)取循環(huan)動態的(de)信(xin)(xin)(xin)用利益(yi)(yi)提(ti)供了有利條件，但大數(shu)據機構征信(xin)(xin)(xin)活動的(de)商業利益(yi)(yi)偏(pian)向，可能(neng)在(zai)不同程度減損(sun)(sun)消(xiao)(xiao)費(fei)者信(xin)(xin)(xin)用權(quan)(quan)益(yi)(yi)的(de)經濟(ji)價值。現有的(de)法律制度僅能(neng)實(shi)現人格利益(yi)(yi)方面(mian)的(de)保(bao)(bao)護(hu)，而消(xiao)(xiao)費(fei)信(xin)(xin)(xin)用權(quan)(quan)益(yi)(yi)中最關鍵的(de)經濟(ji)利益(yi)(yi)損(sun)(sun)失卻難(nan)獲(huo)(huo)救濟(ji)。為(wei)彌(mi)補這一缺漏，應(ying)將信(xin)(xin)(xin)用權(quan)(quan)益(yi)(yi)納入消(xiao)(xiao)費(fei)者權(quan)(quan)益(yi)(yi)保(bao)(bao)護(hu)法的(de)調整范(fan)圍，確立消(xiao)(xiao)費(fei)者在(zai)信(xin)(xin)(xin)用權(quan)(quan)益(yi)(yi)中所享(xiang)有的(de)知悉權(quan)(quan)、自(zi)主選擇權(quan)(quan)、公平交易權(quan)(quan)、賠(pei)償權(quan)(quan)，以懲(cheng)罰性賠(pei)償責任(ren)為(wei)消(xiao)(xiao)費(fei)信(xin)(xin)(xin)用權(quan)(quan)益(yi)(yi)護(hu)航。

關鍵詞:消費信用權益(yi);消費信用合同(tong);動態循環(huan);消費者權益(yi)保護(hu)法

一、引論

在無數陌生人組成的虛擬空間，以網名表征的市場主體彼此間不再擁有熟人社會交易時的信任感。基于經濟成本的有限理性，人在“網絡空間”的虛擬市場中需應對的復雜性因素更多，且交易越多，不確定性越大，信息越不完全。為彌補交易上的不確定性，以信用評分為憑據的大數據征信模式應運而生，它記錄分析市場主體的信用狀況，為互聯網交易市場構建信用秩序。大數據征信是指通過數據挖掘和分析技術來預測用戶的風險表現和信用價值，對用戶的還款能力、還款意愿和欺詐風險等進行更全面詳細的風險評估。2015年人民銀行《關于做好個人征信業務準備工作的通知》，芝麻信用、騰訊征信、藍鯨征信等8家機構相繼構建自己的征信體系。大數據征信實現了互聯網市場的風險防控，但也在一定程度上限制了消費者的信用權益。文章將分析大數據征信中的消費者信用權益本質和挑戰，闡述現行法律局限，并嘗試提出將消費者信用權益納入《消費者權益保護法》保護的建議。

二(er)、大(da)數據征信中消費(fei)者的信用(yong)權益

消費者的信用權益是指消費者因自己的信用狀況而享有的延期或分期支付價款的資格。這里的消費者，是指為滿足生活需要而購買、使用商品的個人。早期熟人社會，消費者憑借與商家密切的生活聯系和個人誠信得以賒賬。而互聯網交易市場下，消費者與經營者彼此不曾謀面，消費者的信用權益以數字人格為基礎，表現為權益價值的動態更新和經濟利益的可期待性。(一)消費者信用權益以個人信用的數字人格為基礎。權益一般指受法律保護的利益(有學者稱其為“新型權利”“無名權利”)，消費信用權益是以個人信用為擔保所享有的一項人格利益。互聯網交易市場下，消費者在線上購物、掃碼租車、支付轉賬等數據行為中體現出個人信用人格，大數據征信機構通過數據分析，以(yi)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)分(fen)(fen)(fen)呈現消費(fei)(fei)(fei)者(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)狀況(kuang)。相較于線下市場(chang)中經營者(zhe)(zhe)(zhe)對(dui)消費(fei)(fei)(fei)者(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)主觀評(ping)(ping)價，互(hu)聯網(wang)市場(chang)下個(ge)(ge)人(ren)(ren)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)以(yi)數字人(ren)(ren)格為特性(xing)，即(ji)個(ge)(ge)人(ren)(ren)的(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)狀況(kuang)以(yi)客(ke)觀線上交(jiao)易(yi)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息為依據(ju)(ju)，最(zui)終以(yi)芝(zhi)麻信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)分(fen)(fen)(fen)、小白信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)分(fen)(fen)(fen)、京東信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)分(fen)(fen)(fen)等數字體現消費(fei)(fei)(fei)者(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)價值(zhi)(zhi)。(二(er))消費(fei)(fei)(fei)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)益(yi)(yi)(yi)呈現動態(tai)循環形式(shi)。大(da)(da)數據(ju)(ju)征(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)中的(de)(de)(de)(de)(de)消費(fei)(fei)(fei)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)，具有反復(fu)使(shi)(shi)(shi)(shi)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)功能，且(qie)可(ke)支(zhi)配的(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)價值(zhi)(zhi)隨(sui)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)狀況(kuang)(信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)分(fen)(fen)(fen)值(zhi)(zhi))而(er)(er)變(bian)動。征(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)數據(ju)(ju)在(zai)(zai)網(wang)絡環境(jing)中不斷更新(xin)(xin)，靈活多變(bian)的(de)(de)(de)(de)(de)特點也(ye)使(shi)(shi)(shi)(shi)得(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)價結果動態(tai)更新(xin)(xin)。如芝(zhi)麻信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)分(fen)(fen)(fen)、京東小白信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)分(fen)(fen)(fen)，即(ji)隨(sui)客(ke)戶(hu)在(zai)(zai)各平臺的(de)(de)(de)(de)(de)登錄、瀏覽、購物(wu)等行為而(er)(er)加減變(bian)化。同時，信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)買(mai)賣合同關(guan)系(xi)的(de)(de)(de)(de)(de)“類信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)卡”性(xing)質也(ye)使(shi)(shi)(shi)(shi)得(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)具有重(zhong)復(fu)使(shi)(shi)(shi)(shi)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)的(de)(de)(de)(de)(de)特性(xing)，即(ji)循環模(mo)式(shi)。所(suo)謂“循環”是(shi)對(dui)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)提(ti)(ti)供(gong)和使(shi)(shi)(shi)(shi)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)方式(shi)的(de)(de)(de)(de)(de)界(jie)定，指(zhi)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)提(ti)(ti)供(gong)者(zhe)(zhe)(zhe)給予(yu)消費(fei)(fei)(fei)者(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)額度(du)可(ke)以(yi)循環使(shi)(shi)(shi)(shi)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)，還(huan)款后(hou)即(ji)可(ke)恢復(fu)再次使(shi)(shi)(shi)(shi)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)。(三)消費(fei)(fei)(fei)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)益(yi)(yi)(yi)以(yi)經濟(ji)(ji)利(li)益(yi)(yi)(yi)或(huo)預(yu)(yu)期機會為主。經濟(ji)(ji)利(li)益(yi)(yi)(yi)或(huo)預(yu)(yu)期機會是(shi)大(da)(da)數據(ju)(ju)征(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)中消費(fei)(fei)(fei)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)益(yi)(yi)(yi)最(zui)本質的(de)(de)(de)(de)(de)特征(zheng)(zheng)。消費(fei)(fei)(fei)者(zhe)(zhe)(zhe)以(yi)其(qi)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)分(fen)(fen)(fen)享受(shou)租房、租車免押(ya)，獲(huo)得(de)分(fen)(fen)(fen)期還(huan)款、免息借貸等資(zi)格，表(biao)面上，消費(fei)(fei)(fei)者(zhe)(zhe)(zhe)以(yi)“寅吃卯(mao)糧”的(de)(de)(de)(de)(de)形式(shi)消費(fei)(fei)(fei)，但最(zui)終卻達到(dao)了(le)(le)理(li)(li)財(cai)收(shou)息、賒購先享的(de)(de)(de)(de)(de)目的(de)(de)(de)(de)(de)，是(shi)以(yi)今(jin)日之消費(fei)(fei)(fei)擴展未來收(shou)益(yi)(yi)(yi)價值(zhi)(zhi)的(de)(de)(de)(de)(de)理(li)(li)性(xing)投資(zi)行為。而(er)(er)大(da)(da)數據(ju)(ju)征(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)的(de)(de)(de)(de)(de)動態(tai)循環信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)形式(shi)，為上述行為提(ti)(ti)供(gong)了(le)(le)有力支(zhi)持，使(shi)(shi)(shi)(shi)閑置資(zi)金得(de)到(dao)最(zui)大(da)(da)化利(li)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)。再進一(yi)步分(fen)(fen)(fen)析(xi)，消費(fei)(fei)(fei)者(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)利(li)益(yi)(yi)(yi)追求與征(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)機構(gou)的(de)(de)(de)(de)(de)商業(ye)利(li)益(yi)(yi)(yi)偏向不謀(mou)而(er)(er)合。一(yi)般(ban)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)的(de)(de)(de)(de)(de)損(sun)害(hai)，首先表(biao)現為人(ren)(ren)格利(li)益(yi)(yi)(yi)的(de)(de)(de)(de)(de)貶(bian)損(sun)，其(qi)次造(zao)成(cheng)間接財(cai)產(chan)利(li)益(yi)(yi)(yi)的(de)(de)(de)(de)(de)損(sun)失。但在(zai)(zai)大(da)(da)數據(ju)(ju)征(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)中，機構(gou)評(ping)(ping)分(fen)(fen)(fen)以(yi)簡(jian)單的(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)分(fen)(fen)(fen)值(zhi)(zhi)向消費(fei)(fei)(fei)者(zhe)(zhe)(zhe)告知信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)情(qing)況(kuang)，具體的(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)數據(ju)(ju)作(zuo)為商業(ye)秘密不被(bei)公眾知曉，自然不存(cun)在(zai)(zai)社會對(dui)個(ge)(ge)人(ren)(ren)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)價降低(di)的(de)(de)(de)(de)(de)可(ke)能性(xing)，也(ye)就不會造(zao)成(cheng)人(ren)(ren)格利(li)益(yi)(yi)(yi)的(de)(de)(de)(de)(de)貶(bian)損(sun)。而(er)(er)征(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)機構(gou)的(de)(de)(de)(de)(de)非獨立地位以(yi)及信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)級的(de)(de)(de)(de)(de)利(li)益(yi)(yi)(yi)偏向性(xing)，使(shi)(shi)(shi)(shi)得(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)分(fen)(fen)(fen)值(zhi)(zhi)與集團旗下的(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)產(chan)品優惠息息相關(guan)。消費(fei)(fei)(fei)者(zhe)(zhe)(zhe)獲(huo)取信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)機構(gou)的(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)分(fen)(fen)(fen)值(zhi)(zhi)，最(zui)根本的(de)(de)(de)(de)(de)動機是(shi)為了(le)(le)得(de)到(dao)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)分(fen)(fen)(fen)所(suo)帶來的(de)(de)(de)(de)(de)消費(fei)(fei)(fei)優惠福利(li)。

三、大數據征信給消費者信用權益帶來的挑(tiao)戰

(一(yi)(yi))“霸王”合(he)(he)(he)(he)(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)限(xian)制(zhi)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)自主(zhu)(zhu)。盧梭指出(chu)(chu):“社(she)(she)(she)會(hui)(hui)秩序(xu)(xu)乃是(shi)(shi)為(wei)(wei)(wei)其(qi)(qi)(qi)(qi)他一(yi)(yi)切權(quan)(quan)利(li)(li)(li)(li)提(ti)供(gong)基(ji)礎的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)一(yi)(yi)項(xiang)神(shen)圣權(quan)(quan)利(li)(li)(li)(li)。然(ran)(ran)而這(zhe)(zhe)(zhe)項(xiang)權(quan)(quan)利(li)(li)(li)(li)絕不(bu)是(shi)(shi)出(chu)(chu)于自然(ran)(ran)，而是(shi)(shi)建立(li)(li)(li)(li)在(zai)(zai)(zai)約定(ding)之(zhi)上(shang)(shang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)。”信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)作(zuo)為(wei)(wei)(wei)商(shang)(shang)(shang)(shang)品交(jiao)(jiao)換的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)核(he)心，將(jiang)(jiang)所(suo)有(you)(you)(you)(you)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)社(she)(she)(she)會(hui)(hui)成(cheng)(cheng)員聯(lian)(lian)(lian)結(jie)成(cheng)(cheng)一(yi)(yi)個(ge)(ge)有(you)(you)(you)(you)機(ji)(ji)(ji)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)社(she)(she)(she)會(hui)(hui)整體(ti)(ti)。而個(ge)(ge)人(ren)(ren)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)本質上(shang)(shang)體(ti)(ti)現(xian)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)字人(ren)(ren)格(ge)權(quan)(quan)，經(jing)(jing)(jing)營(ying)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)與消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)交(jiao)(jiao)易活動中(zhong)(zhong)(zhong)所(suo)構(gou)(gou)(gou)(gou)(gou)建的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)秩序(xu)(xu)，必須有(you)(you)(you)(you)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)約定(ding)授權(quan)(quan)。但(dan)“互(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)網(wang)(wang)+”交(jiao)(jiao)易市(shi)場(chang)中(zhong)(zhong)(zhong)，格(ge)式化的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)電(dian)子合(he)(he)(he)(he)(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)卻使消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)成(cheng)(cheng)了(le)(le)“弱勢授權(quan)(quan)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)”。1．合(he)(he)(he)(he)(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)采取(qu)(qu)(qu)(qu)“格(ge)式條(tiao)(tiao)(tiao)(tiao)款(kuan)(kuan)(kuan)+點擊同(tong)(tong)(tong)(tong)意(yi)(yi)(yi)”的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)形(xing)(xing)式訂(ding)立(li)(li)(li)(li)，未(wei)(wei)充(chong)分(fen)(fen)(fen)(fen)(fen)保(bao)障(zhang)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)意(yi)(yi)(yi)思(si)自治征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)涉(she)及個(ge)(ge)人(ren)(ren)隱私、名(ming)譽、信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)、信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)等(deng)多(duo)(duo)(duo)項(xiang)權(quan)(quan)益(yi)(yi)(yi)(yi)，“授權(quan)(quan)同(tong)(tong)(tong)(tong)意(yi)(yi)(yi)”應是(shi)(shi)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)收(shou)(shou)集、信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)價(jia)(jia)(jia)活動的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)合(he)(he)(he)(he)(he)(he)(he)(he)(he)法(fa)前(qian)提(ti)。但(dan)目前(qian)互(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)網(wang)(wang)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)平(ping)(ping)(ping)臺的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)電(dian)子協(xie)(xie)議只有(you)(you)(you)(you)“同(tong)(tong)(tong)(tong)意(yi)(yi)(yi)”或“退(tui)(tui)出(chu)(chu)”，且(qie)(qie)采取(qu)(qu)(qu)(qu)格(ge)式條(tiao)(tiao)(tiao)(tiao)款(kuan)(kuan)(kuan)并(bing)沒(mei)(mei)有(you)(you)(you)(you)盡到(dao)提(ti)醒注意(yi)(yi)(yi)義務(wu)(wu)(wu)，有(you)(you)(you)(you)些(xie)協(xie)(xie)議甚(shen)至(zhi)形(xing)(xing)同(tong)(tong)(tong)(tong)虛(xu)設(she)。如(ru)(ru)芝麻(ma)借(jie)(jie)(jie)唄，其(qi)(qi)(qi)(qi)協(xie)(xie)議僅以(yi)(yi)(yi)(yi)(yi)文(wen)件(jian)名(ming)縮寫(xie)形(xing)(xing)式出(chu)(chu)現(xian)，消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)無(wu)(wu)須強(qiang)制(zhi)閱覽即(ji)(ji)(ji)可(ke)點擊同(tong)(tong)(tong)(tong)意(yi)(yi)(yi)并(bing)關(guan)(guan)(guan)閉。此種(zhong)(zhong)(zhong)情(qing)(qing)況(kuang)下(xia)(xia)，很(hen)難證(zheng)明(ming)該協(xie)(xie)議的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)成(cheng)(cheng)立(li)(li)(li)(li)是(shi)(shi)否(fou)(fou)達到(dao)雙方意(yi)(yi)(yi)思(si)表(biao)示一(yi)(yi)致(zhi)(zhi)(zhi)，也(ye)(ye)未(wei)(wei)履行(xing)(xing)(xing)(xing)《合(he)(he)(he)(he)(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)法(fa)》第(di)39條(tiao)(tiao)(tiao)(tiao)格(ge)式合(he)(he)(he)(he)(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)條(tiao)(tiao)(tiao)(tiao)款(kuan)(kuan)(kuan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)提(ti)請注意(yi)(yi)(yi)義務(wu)(wu)(wu)。在(zai)(zai)(zai)互(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)網(wang)(wang)無(wu)(wu)孔不(bu)入的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)社(she)(she)(she)會(hui)(hui)，“不(bu)提(ti)供(gong)服(fu)務(wu)(wu)(wu)”的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)退(tui)(tui)出(chu)(chu)選(xuan)項(xiang)已足以(yi)(yi)(yi)(yi)(yi)對(dui)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)構(gou)(gou)(gou)(gou)(gou)成(cheng)(cheng)表(biao)意(yi)(yi)(yi)自由的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)要(yao)挾，可(ke)能認定(ding)為(wei)(wei)(wei)強(qiang)制(zhi)交(jiao)(jiao)易行(xing)(xing)(xing)(xing)為(wei)(wei)(wei)，不(bu)符合(he)(he)(he)(he)(he)(he)(he)(he)(he)《消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)權(quan)(quan)益(yi)(yi)(yi)(yi)保(bao)護法(fa)》26條(tiao)(tiao)(tiao)(tiao)規定(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)禁止技(ji)術強(qiang)制(zhi)交(jiao)(jiao)易。2．以(yi)(yi)(yi)(yi)(yi)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)機(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)“數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)收(shou)(shou)集評(ping)(ping)(ping)(ping)(ping)價(jia)(jia)(jia)權(quan)(quan)”為(wei)(wei)(wei)主(zhu)(zhu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)合(he)(he)(he)(he)(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)內(nei)容，未(wei)(wei)賦予消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)異議權(quan)(quan)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)機(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)協(xie)(xie)議均以(yi)(yi)(yi)(yi)(yi)“自我(wo)”為(wei)(wei)(wei)中(zhong)(zhong)(zhong)心，僅向消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)說(shuo)明(ming)平(ping)(ping)(ping)臺自身(shen)所(suo)享有(you)(you)(you)(you)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)獲(huo)(huo)(huo)(huo)取(qu)(qu)(qu)(qu)、收(shou)(shou)集、分(fen)(fen)(fen)(fen)(fen)析以(yi)(yi)(yi)(yi)(yi)及信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)價(jia)(jia)(jia)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)權(quan)(quan)利(li)(li)(li)(li)，但(dan)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)對(dui)存(cun)(cun)疑(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)積分(fen)(fen)(fen)(fen)(fen)是(shi)(shi)否(fou)(fou)可(ke)以(yi)(yi)(yi)(yi)(yi)查詢糾正(zheng)?應通過(guo)何種(zhong)(zhong)(zhong)途徑提(ti)出(chu)(chu)異議?合(he)(he)(he)(he)(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)中(zhong)(zhong)(zhong)均未(wei)(wei)做說(shuo)明(ming)。如(ru)(ru)芝麻(ma)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)、藍鯨征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)頁面(mian)，均沒(mei)(mei)有(you)(you)(you)(you)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)異議反饋或錯(cuo)誤糾正(zheng)等(deng)設(she)置。目前(qian)互(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)網(wang)(wang)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)平(ping)(ping)(ping)臺所(suo)提(ti)供(gong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)合(he)(he)(he)(he)(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)條(tiao)(tiao)(tiao)(tiao)款(kuan)(kuan)(kuan)，普(pu)遍表(biao)現(xian)出(chu)(chu)“數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)利(li)(li)(li)(li)益(yi)(yi)(yi)(yi)”至(zhi)上(shang)(shang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)唯(wei)利(li)(li)(li)(li)目的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)，直接堵(du)塞了(le)(le)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)救濟(ji)(ji)渠道(dao)。根據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)《合(he)(he)(he)(he)(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)法(fa)》第(di)40條(tiao)(tiao)(tiao)(tiao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)格(ge)式合(he)(he)(he)(he)(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)無(wu)(wu)效條(tiao)(tiao)(tiao)(tiao)款(kuan)(kuan)(kuan)之(zhi)規定(ding)，消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)合(he)(he)(he)(he)(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)條(tiao)(tiao)(tiao)(tiao)款(kuan)(kuan)(kuan)是(shi)(shi)否(fou)(fou)有(you)(you)(you)(you)效，有(you)(you)(you)(you)待商(shang)(shang)(shang)(shang)榷(que)。3．大(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)合(he)(he)(he)(he)(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)主(zhu)(zhu)體(ti)(ti)關(guan)(guan)(guan)系(xi)(xi)復(fu)雜，未(wei)(wei)明(ming)確規范主(zhu)(zhu)體(ti)(ti)之(zhi)間的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)侵權(quan)(quan)責任(ren)大(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)存(cun)(cun)在(zai)(zai)(zai)多(duo)(duo)(duo)方主(zhu)(zhu)體(ti)(ti)關(guan)(guan)(guan)系(xi)(xi)，消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)借(jie)(jie)(jie)貸(dai)(dai)(dai)合(he)(he)(he)(he)(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)表(biao)現(xian)為(wei)(wei)(wei)借(jie)(jie)(jie)款(kuan)(kuan)(kuan)人(ren)(ren)與貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)人(ren)(ren)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)債(zhai)權(quan)(quan)債(zhai)務(wu)(wu)(wu)關(guan)(guan)(guan)系(xi)(xi)，這(zhe)(zhe)(zhe)類(lei)合(he)(he)(he)(he)(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)實(shi)(shi)質為(wei)(wei)(wei)傳(chuan)統借(jie)(jie)(jie)貸(dai)(dai)(dai)合(he)(he)(he)(he)(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)在(zai)(zai)(zai)互(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)網(wang)(wang)上(shang)(shang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)延(yan)伸。如(ru)(ru)支付(fu)(fu)寶借(jie)(jie)(jie)唄、京東金條(tiao)(tiao)(tiao)(tiao)，此時(shi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)芝麻(ma)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)分(fen)(fen)(fen)(fen)(fen)和小(xiao)白(bai)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)分(fen)(fen)(fen)(fen)(fen)等(deng)價(jia)(jia)(jia)于貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)方對(dui)借(jie)(jie)(jie)款(kuan)(kuan)(kuan)方的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)任(ren)感，分(fen)(fen)(fen)(fen)(fen)數(shu)(shu)(shu)(shu)(shu)越(yue)高(gao)意(yi)(yi)(yi)味著(zhu)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)越(yue)好，能獲(huo)(huo)(huo)(huo)得(de)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)借(jie)(jie)(jie)款(kuan)(kuan)(kuan)金額越(yue)高(gao)，利(li)(li)(li)(li)息(xi)(xi)優(you)惠越(yue)多(duo)(duo)(duo)。而信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)買(mai)(mai)賣合(he)(he)(he)(he)(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)實(shi)(shi)質上(shang)(shang)為(wei)(wei)(wei)“虛(xu)擬信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)卡(ka)”合(he)(he)(he)(he)(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)，存(cun)(cun)在(zai)(zai)(zai)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)機(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)(貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)方)、經(jing)(jing)(jing)營(ying)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(商(shang)(shang)(shang)(shang)品服(fu)務(wu)(wu)(wu)提(ti)供(gong)方)、消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(金融(rong)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)、商(shang)(shang)(shang)(shang)品消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe))三(san)方主(zhu)(zhu)體(ti)(ti)。花唄消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)、京東白(bai)條(tiao)(tiao)(tiao)(tiao)等(deng)形(xing)(xing)式的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)分(fen)(fen)(fen)(fen)(fen)期付(fu)(fu)款(kuan)(kuan)(kuan)、延(yan)期結(jie)算即(ji)(ji)(ji)為(wei)(wei)(wei)典(dian)型(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)買(mai)(mai)賣交(jiao)(jiao)易，如(ru)(ru)支付(fu)(fu)寶以(yi)(yi)(yi)(yi)(yi)芝麻(ma)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)為(wei)(wei)(wei)依(yi)(yi)托(tuo)，為(wei)(wei)(wei)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)提(ti)供(gong)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)保(bao)證(zheng)(類(lei)似(si)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)卡(ka))，消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)可(ke)以(yi)(yi)(yi)(yi)(yi)不(bu)向經(jing)(jing)(jing)營(ying)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)支付(fu)(fu)對(dui)價(jia)(jia)(jia)即(ji)(ji)(ji)獲(huo)(huo)(huo)(huo)得(de)商(shang)(shang)(shang)(shang)品或服(fu)務(wu)(wu)(wu)。個(ge)(ge)人(ren)(ren)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)基(ji)于合(he)(he)(he)(he)(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)關(guan)(guan)(guan)系(xi)(xi)互(hu)(hu)(hu)(hu)(hu)相流轉，但(dan)合(he)(he)(he)(he)(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)中(zhong)(zhong)(zhong)卻沒(mei)(mei)有(you)(you)(you)(you)明(ming)確界(jie)定(ding)各(ge)方的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)主(zhu)(zhu)體(ti)(ti)責任(ren)，一(yi)(yi)旦信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)益(yi)(yi)(yi)(yi)受(shou)侵害(hai)，消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)將(jiang)(jiang)無(wu)(wu)處申訴(su)、無(wu)(wu)力(li)(li)舉證(zheng)。(二(er))任(ren)意(yi)(yi)(yi)性數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)分(fen)(fen)(fen)(fen)(fen)析損(sun)害(hai)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)利(li)(li)(li)(li)益(yi)(yi)(yi)(yi)。大(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)大(da)(da)(da)量集中(zhong)(zhong)(zhong)于線上(shang)(shang)行(xing)(xing)(xing)(xing)為(wei)(wei)(wei)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)，且(qie)(qie)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)分(fen)(fen)(fen)(fen)(fen)散(san)、數(shu)(shu)(shu)(shu)(shu)量巨大(da)(da)(da)、格(ge)式多(duo)(duo)(duo)樣(yang)。相比(bi)于局限(xian)在(zai)(zai)(zai)金融(rong)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)領域的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)傳(chuan)統征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)模式，大(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)更(geng)注重挖掘消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)社(she)(she)(she)交(jiao)(jiao)、性格(ge)、偏好等(deng)各(ge)方面(mian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)，以(yi)(yi)(yi)(yi)(yi)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)分(fen)(fen)(fen)(fen)(fen)析技(ji)術全(quan)方位(wei)(wei)進(jin)(jin)行(xing)(xing)(xing)(xing)“信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)畫像”。1．征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)來(lai)源廣(guang)泛且(qie)(qie)多(duo)(duo)(duo)變，難以(yi)(yi)(yi)(yi)(yi)實(shi)(shi)現(xian)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)即(ji)(ji)(ji)時(shi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)知情(qing)(qing)權(quan)(quan)大(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)依(yi)(yi)托(tuo)互(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)網(wang)(wang)平(ping)(ping)(ping)臺的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)來(lai)源與技(ji)術，又服(fu)務(wu)(wu)(wu)于互(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)網(wang)(wang)經(jing)(jing)(jing)濟(ji)(ji)市(shi)場(chang)。征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)中(zhong)(zhong)(zhong)獲(huo)(huo)(huo)(huo)取(qu)(qu)(qu)(qu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)紛繁蕪雜，以(yi)(yi)(yi)(yi)(yi)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)又繼(ji)續產(chan)(chan)生新(xin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)，呈現(xian)“利(li)(li)(li)(li)滾利(li)(li)(li)(li)”的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)動態更(geng)新(xin)。信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)更(geng)新(xin)快，信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)分(fen)(fen)(fen)(fen)(fen)也(ye)(ye)不(bu)停(ting)變化。經(jing)(jing)(jing)濟(ji)(ji)成(cheng)(cheng)本決定(ding)了(le)(le)權(quan)(quan)利(li)(li)(li)(li)保(bao)障(zhang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)程度，如(ru)(ru)果要(yao)求征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)機(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)每次收(shou)(shou)集數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)、變更(geng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)價(jia)(jia)(jia)都(dou)通知或獲(huo)(huo)(huo)(huo)取(qu)(qu)(qu)(qu)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)同(tong)(tong)(tong)(tong)意(yi)(yi)(yi)，將(jiang)(jiang)違(wei)(wei)背(bei)(bei)“利(li)(li)(li)(li)益(yi)(yi)(yi)(yi)最(zui)大(da)(da)(da)化”的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)功利(li)(li)(li)(li)主(zhu)(zhu)義原則，這(zhe)(zhe)(zhe)也(ye)(ye)是(shi)(shi)造成(cheng)(cheng)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)平(ping)(ping)(ping)臺與消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)訂(ding)立(li)(li)(li)(li)“一(yi)(yi)次同(tong)(tong)(tong)(tong)意(yi)(yi)(yi)，全(quan)部授權(quan)(quan)”霸王條(tiao)(tiao)(tiao)(tiao)款(kuan)(kuan)(kuan)協(xie)(xie)議的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)根本原因。2．征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)質量良(liang)莠(you)不(bu)齊(qi)，難以(yi)(yi)(yi)(yi)(yi)反映消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)真實(shi)(shi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)狀況(kuang)大(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)存(cun)(cun)在(zai)(zai)(zai)兩種(zhong)(zhong)(zhong)情(qing)(qing)形(xing)(xing)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)錯(cuo)誤征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin):第(di)一(yi)(yi)是(shi)(shi)本身(shen)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)錯(cuo)誤，系(xi)(xi)統出(chu)(chu)錯(cuo)或黑客(ke)(ke)(ke)入侵等(deng)硬件(jian)技(ji)術上(shang)(shang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)漏洞，將(jiang)(jiang)可(ke)能導(dao)致(zhi)(zhi)(zhi)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)錯(cuo)位(wei)(wei)。第(di)二(er)種(zhong)(zhong)(zhong)是(shi)(shi)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)本身(shen)正(zheng)確，但(dan)與消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)本人(ren)(ren)不(bu)匹(pi)配(pei)。大(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)僅對(dui)特(te)定(ding)賬戶信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)，無(wu)(wu)法(fa)認證(zheng)是(shi)(shi)否(fou)(fou)存(cun)(cun)在(zai)(zai)(zai)盜號(hao)(hao)、借(jie)(jie)(jie)號(hao)(hao)，也(ye)(ye)不(bu)能避免詐(zha)騙(pian)等(deng)行(xing)(xing)(xing)(xing)為(wei)(wei)(wei)導(dao)致(zhi)(zhi)(zhi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)降(jiang)低。如(ru)(ru)最(zui)近頻發的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)電(dian)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)詐(zha)騙(pian):通過(guo)套取(qu)(qu)(qu)(qu)驗證(zheng)碼(ma)，以(yi)(yi)(yi)(yi)(yi)受(shou)害(hai)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)名(ming)義進(jin)(jin)行(xing)(xing)(xing)(xing)網(wang)(wang)貸(dai)(dai)(dai)操(cao)作(zuo)或欺騙(pian)受(shou)害(hai)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)貸(dai)(dai)(dai)款(kuan)(kuan)(kuan)提(ti)現(xian)轉賬。在(zai)(zai)(zai)受(shou)騙(pian)、被盜號(hao)(hao)等(deng)不(bu)可(ke)預(yu)見(jian)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)情(qing)(qing)況(kuang)下(xia)(xia)，受(shou)害(hai)人(ren)(ren)無(wu)(wu)法(fa)按期歸還借(jie)(jie)(jie)款(kuan)(kuan)(kuan)，若依(yi)(yi)舊(jiu)冰冷地(di)將(jiang)(jiang)其(qi)(qi)(qi)(qi)納入信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)黑名(ming)單(dan)，違(wei)(wei)背(bei)(bei)了(le)(le)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)價(jia)(jia)(jia)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)初衷。更(geng)何況(kuang)，信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)獲(huo)(huo)(huo)(huo)取(qu)(qu)(qu)(qu)、使用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)負有(you)(you)(you)(you)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)保(bao)密義務(wu)(wu)(wu)，征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)機(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)及同(tong)(tong)(tong)(tong)盟的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)電(dian)商(shang)(shang)(shang)(shang)等(deng)平(ping)(ping)(ping)臺對(dui)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)泄露(lu)導(dao)致(zhi)(zhi)(zhi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)盜號(hao)(hao)、詐(zha)騙(pian)損(sun)失(shi)難辭其(qi)(qi)(qi)(qi)咎，犧牲(sheng)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)為(wei)(wei)(wei)這(zhe)(zhe)(zhe)些(xie)交(jiao)(jiao)易平(ping)(ping)(ping)臺的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)錯(cuo)誤買(mai)(mai)單(dan)，不(bu)合(he)(he)(he)(he)(he)(he)(he)(he)(he)情(qing)(qing)理。3．信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)分(fen)(fen)(fen)(fen)(fen)指標(biao)(biao)多(duo)(duo)(duo)維(wei)、算法(fa)各(ge)異，難以(yi)(yi)(yi)(yi)(yi)形(xing)(xing)成(cheng)(cheng)統一(yi)(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)報告我(wo)國大(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)機(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)評(ping)(ping)(ping)(ping)(ping)分(fen)(fen)(fen)(fen)(fen)指標(biao)(biao)多(duo)(duo)(duo)樣(yang)，如(ru)(ru)芝麻(ma)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)評(ping)(ping)(ping)(ping)(ping)分(fen)(fen)(fen)(fen)(fen)維(wei)度包(bao)括(kuo)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)歷史、行(xing)(xing)(xing)(xing)為(wei)(wei)(wei)偏好、履約能力(li)(li)、身(shen)份特(te)質、人(ren)(ren)脈關(guan)(guan)(guan)系(xi)(xi)，而小(xiao)白(bai)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)評(ping)(ping)(ping)(ping)(ping)分(fen)(fen)(fen)(fen)(fen)維(wei)度包(bao)括(kuo)履約情(qing)(qing)況(kuang)、信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)歷史、購(gou)物及投資(zi)理財(cai)行(xing)(xing)(xing)(xing)為(wei)(wei)(wei)偏好、社(she)(she)(she)交(jiao)(jiao)關(guan)(guan)(guan)系(xi)(xi)。征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)范圍(wei)(wei)包(bao)括(kuo)水電(dian)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)繳納、網(wang)(wang)購(gou)頻率、支付(fu)(fu)習(xi)慣等(deng)，甚(shen)至(zhi)還有(you)(you)(you)(you)部門提(ti)議將(jiang)(jiang)無(wu)(wu)償(chang)獻(xian)血作(zuo)為(wei)(wei)(wei)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)加分(fen)(fen)(fen)(fen)(fen)項(xiang)。這(zhe)(zhe)(zhe)些(xie)將(jiang)(jiang)導(dao)致(zhi)(zhi)(zhi)互(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)網(wang)(wang)中(zhong)(zhong)(zhong)，多(duo)(duo)(duo)家(jia)機(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)多(duo)(duo)(duo)種(zhong)(zhong)(zhong)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)報告，沒(mei)(mei)有(you)(you)(you)(you)權(quan)(quan)威性。而一(yi)(yi)些(xie)純粹主(zhu)(zhu)觀(guan)(guan)道(dao)德(de)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)評(ping)(ping)(ping)(ping)(ping)價(jia)(jia)(jia)也(ye)(ye)將(jiang)(jiang)綁架客(ke)(ke)(ke)觀(guan)(guan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)經(jing)(jing)(jing)濟(ji)(ji)利(li)(li)(li)(li)益(yi)(yi)(yi)(yi)。(三(san))商(shang)(shang)(shang)(shang)家(jia)逐(zhu)利(li)(li)(li)(li)裹挾消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)價(jia)(jia)(jia)值。大(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)伴隨互(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)網(wang)(wang)金融(rong)而產(chan)(chan)生，目標(biao)(biao)是(shi)(shi)刺激(ji)互(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)網(wang)(wang)經(jing)(jing)(jing)濟(ji)(ji)市(shi)場(chang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)活力(li)(li)、降(jiang)低經(jing)(jing)(jing)營(ying)風險，使投資(zi)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)獲(huo)(huo)(huo)(huo)取(qu)(qu)(qu)(qu)最(zui)大(da)(da)(da)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)商(shang)(shang)(shang)(shang)業利(li)(li)(li)(li)益(yi)(yi)(yi)(yi)。對(dui)比(bi)“言(yan)語(yu)暴力(li)(li)”泛濫卻無(wu)(wu)黑名(ming)單(dan)管控的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)社(she)(she)(she)交(jiao)(jiao)空間，互(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)網(wang)(wang)交(jiao)(jiao)易市(shi)場(chang)有(you)(you)(you)(you)著(zhu)完善的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)“欠債(zhai)失(shi)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)黑名(ming)單(dan)”，這(zhe)(zhe)(zhe)正(zheng)是(shi)(shi)商(shang)(shang)(shang)(shang)家(jia)逐(zhu)利(li)(li)(li)(li)性的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)最(zui)突(tu)出(chu)(chu)表(biao)現(xian)。社(she)(she)(she)交(jiao)(jiao)網(wang)(wang)絡的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)名(ming)譽、隱私侵權(quan)(quan)與經(jing)(jing)(jing)營(ying)投資(zi)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)整體(ti)(ti)經(jing)(jing)(jing)濟(ji)(ji)效益(yi)(yi)(yi)(yi)無(wu)(wu)關(guan)(guan)(guan)，自然(ran)(ran)不(bu)會(hui)(hui)投入大(da)(da)(da)量的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)金錢為(wei)(wei)(wei)這(zhe)(zhe)(zhe)些(xie)侵權(quan)(quan)行(xing)(xing)(xing)(xing)為(wei)(wei)(wei)構(gou)(gou)(gou)(gou)(gou)建征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)制(zhi)度。在(zai)(zai)(zai)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)=資(zi)源的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)時(shi)代，互(hu)(hu)(hu)(hu)(hu)聯(lian)(lian)(lian)網(wang)(wang)平(ping)(ping)(ping)臺都(dou)爭相設(she)立(li)(li)(li)(li)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)機(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)為(wei)(wei)(wei)將(jiang)(jiang)來(lai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)大(da)(da)(da)戰(zhan)“厲(li)兵秣(mo)馬”，大(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)活動自然(ran)(ran)就夾雜著(zhu)逐(zhu)利(li)(li)(li)(li)特(te)性。1．征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)機(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)非獨立(li)(li)(li)(li)第(di)三(san)方，信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)價(jia)(jia)(jia)結(jie)果存(cun)(cun)在(zai)(zai)(zai)利(li)(li)(li)(li)益(yi)(yi)(yi)(yi)偏向傳(chuan)統的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)模式，以(yi)(yi)(yi)(yi)(yi)全(quan)國聯(lian)(lian)(lian)網(wang)(wang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)“個(ge)(ge)人(ren)(ren)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)基(ji)礎數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)庫”作(zuo)為(wei)(wei)(wei)唯(wei)一(yi)(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)來(lai)源，各(ge)銀行(xing)(xing)(xing)(xing)客(ke)(ke)(ke)觀(guan)(guan)中(zhong)(zhong)(zhong)立(li)(li)(li)(li)地(di)評(ping)(ping)(ping)(ping)(ping)價(jia)(jia)(jia)每位(wei)(wei)客(ke)(ke)(ke)戶的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)情(qing)(qing)況(kuang)。而大(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)機(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)依(yi)(yi)托(tuo)集團(tuan)內(nei)部的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)大(da)(da)(da)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)資(zi)源，主(zhu)(zhu)要(yao)對(dui)客(ke)(ke)(ke)戶在(zai)(zai)(zai)集團(tuan)產(chan)(chan)品的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)行(xing)(xing)(xing)(xing)為(wei)(wei)(wei)進(jin)(jin)行(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)級。如(ru)(ru)芝麻(ma)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)公司，從(cong)阿里(li)(li)(li)巴(ba)(ba)(ba)巴(ba)(ba)(ba)旗下(xia)(xia)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)淘寶、天(tian)貓(mao)、支付(fu)(fu)寶等(deng)產(chan)(chan)品獲(huo)(huo)(huo)(huo)取(qu)(qu)(qu)(qu)客(ke)(ke)(ke)戶的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)交(jiao)(jiao)易、支付(fu)(fu)，使得(de)經(jing)(jing)(jing)常使用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)阿里(li)(li)(li)巴(ba)(ba)(ba)巴(ba)(ba)(ba)產(chan)(chan)品的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)客(ke)(ke)(ke)戶信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)分(fen)(fen)(fen)(fen)(fen)高(gao)，而不(bu)常用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)阿里(li)(li)(li)巴(ba)(ba)(ba)巴(ba)(ba)(ba)旗下(xia)(xia)產(chan)(chan)品的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)客(ke)(ke)(ke)戶，即(ji)(ji)(ji)便(bian)現(xian)實(shi)(shi)中(zhong)(zhong)(zhong)誠實(shi)(shi)守(shou)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)，其(qi)(qi)(qi)(qi)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)分(fen)(fen)(fen)(fen)(fen)依(yi)(yi)舊(jiu)不(bu)高(gao)。相反，若有(you)(you)(you)(you)投機(ji)(ji)(ji)取(qu)(qu)(qu)(qu)巧的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)人(ren)(ren)想通過(guo)刷(shua)分(fen)(fen)(fen)(fen)(fen)提(ti)高(gao)自己(ji)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)，只需簡單(dan)地(di)在(zai)(zai)(zai)旗下(xia)(xia)產(chan)(chan)品中(zhong)(zhong)(zhong)活躍幾次即(ji)(ji)(ji)可(ke)達到(dao)目的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)。2．征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)機(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)間形(xing)(xing)成(cheng)(cheng)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)壁壘，消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)狀況(kuang)斷(duan)層信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)被各(ge)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)機(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)視為(wei)(wei)(wei)商(shang)(shang)(shang)(shang)業秘密，有(you)(you)(you)(you)關(guan)(guan)(guan)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)數(shu)(shu)(shu)(shu)(shu)據(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)(ju)來(lai)源、信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)級評(ping)(ping)(ping)(ping)(ping)方法(fa)、報告使用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)范圍(wei)(wei)等(deng)情(qing)(qing)況(kuang)均不(bu)對(dui)外共享，甚(shen)至(zhi)對(dui)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)本人(ren)(ren)都(dou)諱莫如(ru)(ru)深。機(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)間的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息(xi)(xi)不(bu)暢通，使消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)狀況(kuang)在(zai)(zai)(zai)不(bu)同(tong)(tong)(tong)(tong)機(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)被阻隔，若要(yao)在(zai)(zai)(zai)平(ping)(ping)(ping)臺進(jin)(jin)行(xing)(xing)(xing)(xing)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)，必須重新(xin)獲(huo)(huo)(huo)(huo)取(qu)(qu)(qu)(qu)該征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)機(ji)(ji)(ji)構(gou)(gou)(gou)(gou)(gou)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)價(jia)(jia)(jia)，即(ji)(ji)(ji)重新(xin)刷(shua)分(fen)(fen)(fen)(fen)(fen)。這(zhe)(zhe)(zhe)種(zhong)(zhong)(zhong)模式下(xia)(xia)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)征(zheng)(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)確實(shi)(shi)可(ke)以(yi)(yi)(yi)(yi)(yi)擴大(da)(da)(da)客(ke)(ke)(ke)戶參與量，增(zeng)加聯(lian)(lian)(lian)合(he)(he)(he)(he)(he)(he)(he)(he)(he)平(ping)(ping)(ping)臺的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)銷售數(shu)(shu)(shu)(shu)(shu)額，但(dan)同(tong)(tong)(tong)(tong)時(shi)也(ye)(ye)帶來(lai)惡意(yi)(yi)(yi)借(jie)(jie)(jie)款(kuan)(kuan)(kuan)人(ren)(ren)重復(fu)借(jie)(jie)(jie)貸(dai)(dai)(dai)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)風險。

四(si)、大數據(ju)征(zheng)信(xin)中消費信(xin)用權益保護的途徑(jing)探討(tao)

(一(yi)(yi))現(xian)有(you)(you)(you)(you)(you)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)律(lv)(lv)對(dui)(dui)(dui)(dui)(dui)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)。1．以(yi)(yi)(yi)(yi)《合(he)(he)(he)(he)同(tong)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》保(bao)(bao)(bao)(bao)(bao)障(zhang)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)契(qi)約(yue)自(zi)(zi)(zi)(zi)由契(qi)約(yue)自(zi)(zi)(zi)(zi)由是(shi)指(zhi)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)以(yi)(yi)(yi)(yi)自(zi)(zi)(zi)(zi)主(zhu)(zhu)(zhu)(zhu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)意(yi)(yi)思訂(ding)立(li)(li)(li)合(he)(he)(he)(he)約(yue)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)自(zi)(zi)(zi)(zi)由，在(zai)(zai)(zai)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)合(he)(he)(he)(he)同(tong)訂(ding)立(li)(li)(li)時(shi)(shi)，消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)應(ying)(ying)(ying)(ying)就合(he)(he)(he)(he)同(tong)條(tiao)(tiao)(tiao)(tiao)(tiao)款(kuan)(kuan)(kuan)(kuan)規(gui)(gui)(gui)(gui)(gui)定(ding)(ding)(ding)(ding)(ding)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)義務(wu)(wu)(wu)達成(cheng)一(yi)(yi)致(zhi)(zhi)。《合(he)(he)(he)(he)同(tong)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》第(di)(di)(di)(di)(di)(di)39條(tiao)(tiao)(tiao)(tiao)(tiao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)格(ge)(ge)(ge)式(shi)條(tiao)(tiao)(tiao)(tiao)(tiao)款(kuan)(kuan)(kuan)(kuan)提(ti)前注意(yi)(yi)義務(wu)(wu)(wu)是(shi)保(bao)(bao)(bao)(bao)(bao)障(zhang)受約(yue)人(ren)(ren)(ren)意(yi)(yi)思自(zi)(zi)(zi)(zi)治的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)體(ti)(ti)現(xian)，要(yao)(yao)(yao)(yao)求合(he)(he)(he)(he)同(tong)一(yi)(yi)方(fang)當(dang)事人(ren)(ren)(ren)必須認(ren)識到(dao)條(tiao)(tiao)(tiao)(tiao)(tiao)款(kuan)(kuan)(kuan)(kuan)之(zhi)(zhi)(zhi)規(gui)(gui)(gui)(gui)(gui)定(ding)(ding)(ding)(ding)(ding)。我(wo)(wo)(wo)國消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)合(he)(he)(he)(he)同(tong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)電(dian)子形式(shi)格(ge)(ge)(ge)式(shi)條(tiao)(tiao)(tiao)(tiao)(tiao)款(kuan)(kuan)(kuan)(kuan)，經(jing)(jing)(jing)(jing)(jing)常誤導(dao)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)點擊(ji)“同(tong)意(yi)(yi)”，該(gai)合(he)(he)(he)(he)同(tong)訂(ding)立(li)(li)(li)方(fang)式(shi)沒(mei)有(you)(you)(you)(you)(you)保(bao)(bao)(bao)(bao)(bao)證消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)自(zi)(zi)(zi)(zi)主(zhu)(zhu)(zhu)(zhu)決(jue)(jue)定(ding)(ding)(ding)(ding)(ding)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)，可(ke)認(ren)定(ding)(ding)(ding)(ding)(ding)為(wei)(wei)(wei)(wei)(wei)(wei)(wei)合(he)(he)(he)(he)同(tong)無(wu)(wu)效(xiao)(xiao)。此外，《合(he)(he)(he)(he)同(tong)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》第(di)(di)(di)(di)(di)(di)40條(tiao)(tiao)(tiao)(tiao)(tiao)對(dui)(dui)(dui)(dui)(dui)格(ge)(ge)(ge)式(shi)條(tiao)(tiao)(tiao)(tiao)(tiao)款(kuan)(kuan)(kuan)(kuan)中(zhong)排除對(dui)(dui)(dui)(dui)(dui)方(fang)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)、免除自(zi)(zi)(zi)(zi)己責(ze)(ze)(ze)(ze)任(ren)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)格(ge)(ge)(ge)式(shi)條(tiao)(tiao)(tiao)(tiao)(tiao)款(kuan)(kuan)(kuan)(kuan)，認(ren)定(ding)(ding)(ding)(ding)(ding)為(wei)(wei)(wei)(wei)(wei)(wei)(wei)無(wu)(wu)效(xiao)(xiao)。對(dui)(dui)(dui)(dui)(dui)于(yu)(yu)(yu)“一(yi)(yi)次同(tong)意(yi)(yi)、全(quan)(quan)部授權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)”的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)霸王條(tiao)(tiao)(tiao)(tiao)(tiao)款(kuan)(kuan)(kuan)(kuan)，其(qi)(qi)未明(ming)確(que)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)所(suo)享(xiang)有(you)(you)(you)(you)(you)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)，且(qie)規(gui)(gui)(gui)(gui)(gui)定(ding)(ding)(ding)(ding)(ding)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)對(dui)(dui)(dui)(dui)(dui)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)價(jia)(jia)(jia)(jia)所(suo)造成(cheng)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)損(sun)(sun)(sun)(sun)(sun)(sun)(sun)害(hai)(hai)(hai)后(hou)果承(cheng)擔全(quan)(quan)部責(ze)(ze)(ze)(ze)任(ren)，應(ying)(ying)(ying)(ying)當(dang)認(ren)定(ding)(ding)(ding)(ding)(ding)為(wei)(wei)(wei)(wei)(wei)(wei)(wei)無(wu)(wu)效(xiao)(xiao)。2．以(yi)(yi)(yi)(yi)《民法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》救(jiu)(jiu)濟(ji)(ji)(ji)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)人(ren)(ren)(ren)格(ge)(ge)(ge)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)源(yuan)自(zi)(zi)(zi)(zi)個人(ren)(ren)(ren)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)，盡管(guan)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)律(lv)(lv)未對(dui)(dui)(dui)(dui)(dui)個人(ren)(ren)(ren)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)做出規(gui)(gui)(gui)(gui)(gui)定(ding)(ding)(ding)(ding)(ding)，但對(dui)(dui)(dui)(dui)(dui)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)人(ren)(ren)(ren)格(ge)(ge)(ge)侵(qin)(qin)(qin)害(hai)(hai)(hai)多(duo)表現(xian)為(wei)(wei)(wei)(wei)(wei)(wei)(wei)盜用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)他(ta)人(ren)(ren)(ren)姓(xing)(xing)名(ming)、詆毀他(ta)人(ren)(ren)(ren)名(ming)譽(yu)、侵(qin)(qin)(qin)犯他(ta)人(ren)(ren)(ren)隱(yin)私(si)(si)。《民法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)人(ren)(ren)(ren)格(ge)(ge)(ge)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)編，對(dui)(dui)(dui)(dui)(dui)姓(xing)(xing)名(ming)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)、名(ming)譽(yu)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)、隱(yin)私(si)(si)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)予以(yi)(yi)(yi)(yi)明(ming)確(que)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)。大(da)數(shu)(shu)(shu)據(ju)(ju)征(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)中(zhong)，若(ruo)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)數(shu)(shu)(shu)據(ju)(ju)被泄露，造成(cheng)其(qi)(qi)社會評(ping)(ping)(ping)(ping)(ping)價(jia)(jia)(jia)(jia)降低等(deng)(deng)(deng)(deng)嚴重(zhong)情(qing)節，可(ke)以(yi)(yi)(yi)(yi)向侵(qin)(qin)(qin)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)主(zhu)(zhu)(zhu)(zhu)張(zhang)侵(qin)(qin)(qin)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)責(ze)(ze)(ze)(ze)任(ren)。(二)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)律(lv)(lv)上(shang)對(dui)(dui)(dui)(dui)(dui)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)經(jing)(jing)(jing)(jing)(jing)濟(ji)(ji)(ji)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)救(jiu)(jiu)濟(ji)(ji)(ji)局限(xian)。保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)，其(qi)(qi)根本是(shi)要(yao)(yao)(yao)(yao)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)經(jing)(jing)(jing)(jing)(jing)濟(ji)(ji)(ji)價(jia)(jia)(jia)(jia)值(zhi)。依上(shang)文所(suo)述(shu)，消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)在(zai)(zai)(zai)互(hu)聯(lian)網交易(yi)市場(chang)上(shang)，體(ti)(ti)現(xian)為(wei)(wei)(wei)(wei)(wei)(wei)(wei)經(jing)(jing)(jing)(jing)(jing)濟(ji)(ji)(ji)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)或(huo)預(yu)期(qi)機(ji)會。數(shu)(shu)(shu)據(ju)(ju)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)密性(xing)(xing)(xing)與(yu)商家(jia)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)逐利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)性(xing)(xing)(xing)也(ye)(ye)使(shi)得信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)損(sun)(sun)(sun)(sun)(sun)(sun)(sun)害(hai)(hai)(hai)多(duo)表現(xian)為(wei)(wei)(wei)(wei)(wei)(wei)(wei)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)預(yu)期(qi)可(ke)得利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)減(jian)(jian)(jian)損(sun)(sun)(sun)(sun)(sun)(sun)(sun)，對(dui)(dui)(dui)(dui)(dui)于(yu)(yu)(yu)名(ming)譽(yu)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)、隱(yin)私(si)(si)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)等(deng)(deng)(deng)(deng)人(ren)(ren)(ren)格(ge)(ge)(ge)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)侵(qin)(qin)(qin)害(hai)(hai)(hai)極(ji)少(shao)發(fa)生(sheng)。但目(mu)前可(ke)采取(qu)(qu)(qu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)經(jing)(jing)(jing)(jing)(jing)濟(ji)(ji)(ji)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)救(jiu)(jiu)濟(ji)(ji)(ji)途徑均(jun)有(you)(you)(you)(you)(you)局限(xian):1．以(yi)(yi)(yi)(yi)違反《合(he)(he)(he)(he)同(tong)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》為(wei)(wei)(wei)(wei)(wei)(wei)(wei)由主(zhu)(zhu)(zhu)(zhu)張(zhang)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)合(he)(he)(he)(he)同(tong)無(wu)(wu)效(xiao)(xiao)，并要(yao)(yao)(yao)(yao)求征(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)機(ji)構(gou)僅承(cheng)擔征(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)行為(wei)(wei)(wei)(wei)(wei)(wei)(wei)無(wu)(wu)效(xiao)(xiao)之(zhi)(zhi)(zhi)后(hou)果。但消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)卻(que)要(yao)(yao)(yao)(yao)面臨信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)價(jia)(jia)(jia)(jia)報(bao)告(gao)(gao)無(wu)(wu)效(xiao)(xiao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)后(hou)果，即不得以(yi)(yi)(yi)(yi)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)額(e)(e)度(du)換(huan)取(qu)(qu)(qu)賒(she)購(gou)(gou)、借款(kuan)(kuan)(kuan)(kuan)等(deng)(deng)(deng)(deng)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)。而(er)喪失(shi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)這(zhe)些(xie)預(yu)期(qi)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)賠(pei)(pei)(pei)(pei)償(chang)(chang)(chang)(chang)，法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)律(lv)(lv)未予以(yi)(yi)(yi)(yi)明(ming)確(que)，也(ye)(ye)無(wu)(wu)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)量(liang)(liang)化(hua)求償(chang)(chang)(chang)(chang)。2．以(yi)(yi)(yi)(yi)人(ren)(ren)(ren)格(ge)(ge)(ge)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)損(sun)(sun)(sun)(sun)(sun)(sun)(sun)害(hai)(hai)(hai)主(zhu)(zhu)(zhu)(zhu)張(zhang)精(jing)神損(sun)(sun)(sun)(sun)(sun)(sun)(sun)害(hai)(hai)(hai)賠(pei)(pei)(pei)(pei)償(chang)(chang)(chang)(chang)。我(wo)(wo)(wo)國信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)經(jing)(jing)(jing)(jing)(jing)濟(ji)(ji)(ji)價(jia)(jia)(jia)(jia)值(zhi)在(zai)(zai)(zai)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)律(lv)(lv)上(shang)尚為(wei)(wei)(wei)(wei)(wei)(wei)(wei)空(kong)白，因(yin)(yin)而(er)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)損(sun)(sun)(sun)(sun)(sun)(sun)(sun)害(hai)(hai)(hai)只能(neng)以(yi)(yi)(yi)(yi)隱(yin)私(si)(si)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)、名(ming)譽(yu)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)等(deng)(deng)(deng)(deng)人(ren)(ren)(ren)格(ge)(ge)(ge)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)侵(qin)(qin)(qin)害(hai)(hai)(hai)主(zhu)(zhu)(zhu)(zhu)張(zhang)精(jing)神損(sun)(sun)(sun)(sun)(sun)(sun)(sun)害(hai)(hai)(hai)賠(pei)(pei)(pei)(pei)償(chang)(chang)(chang)(chang)，但大(da)數(shu)(shu)(shu)據(ju)(ju)征(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)數(shu)(shu)(shu)據(ju)(ju)不共享(xiang)使(shi)得其(qi)(qi)侵(qin)(qin)(qin)害(hai)(hai)(hai)基(ji)本無(wu)(wu)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)達成(cheng)精(jing)神嚴重(zhong)侵(qin)(qin)(qin)害(hai)(hai)(hai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)程(cheng)度(du)。3．以(yi)(yi)(yi)(yi)侵(qin)(qin)(qin)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)責(ze)(ze)(ze)(ze)任(ren)主(zhu)(zhu)(zhu)(zhu)張(zhang)經(jing)(jing)(jing)(jing)(jing)濟(ji)(ji)(ji)賠(pei)(pei)(pei)(pei)償(chang)(chang)(chang)(chang)，若(ruo)以(yi)(yi)(yi)(yi)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)為(wei)(wei)(wei)(wei)(wei)(wei)(wei)基(ji)礎要(yao)(yao)(yao)(yao)求要(yao)(yao)(yao)(yao)求賠(pei)(pei)(pei)(pei)償(chang)(chang)(chang)(chang)，將(jiang)因(yin)(yin)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)非法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)定(ding)(ding)(ding)(ding)(ding)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)難(nan)獲(huo)支(zhi)持;若(ruo)以(yi)(yi)(yi)(yi)財(cai)產(chan)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)受侵(qin)(qin)(qin)害(hai)(hai)(hai)為(wei)(wei)(wei)(wei)(wei)(wei)(wei)由主(zhu)(zhu)(zhu)(zhu)張(zhang)賠(pei)(pei)(pei)(pei)償(chang)(chang)(chang)(chang)，消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)是(shi)一(yi)(yi)種(zhong)(zhong)純(chun)粹的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)經(jing)(jing)(jing)(jing)(jing)濟(ji)(ji)(ji)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)，其(qi)(qi)財(cai)產(chan)價(jia)(jia)(jia)(jia)值(zhi)具(ju)(ju)有(you)(you)(you)(you)(you)不確(que)定(ding)(ding)(ding)(ding)(ding)性(xing)(xing)(xing)、未知(zhi)(zhi)(zhi)期(qi)待性(xing)(xing)(xing)，也(ye)(ye)難(nan)以(yi)(yi)(yi)(yi)獲(huo)得法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)律(lv)(lv)支(zhi)持。(三(san)(san))從消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)確(que)立(li)(li)(li)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)。1．消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)納(na)入(ru)《消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》合(he)(he)(he)(he)理性(xing)(xing)(xing)之(zhi)(zhi)(zhi)證成(cheng)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)調整(zheng)對(dui)(dui)(dui)(dui)(dui)象是(shi)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)與(yu)經(jing)(jing)(jing)(jing)(jing)營(ying)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)因(yin)(yin)生(sheng)活(huo)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)而(er)發(fa)生(sheng)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)商品(pin)、服(fu)務(wu)(wu)(wu)關系。消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)是(shi)指(zhi)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)所(suo)享(xiang)有(you)(you)(you)(you)(you)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)貸(dai)款(kuan)(kuan)(kuan)(kuan)及(ji)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)買(mai)(mai)賣(分期(qi)或(huo)延期(qi)付款(kuan)(kuan)(kuan)(kuan))的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)，交易(yi)中(zhong)存(cun)在(zai)(zai)(zai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)交易(yi)關系是(shi)否(fou)可(ke)以(yi)(yi)(yi)(yi)納(na)入(ru)《消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》調整(zheng)對(dui)(dui)(dui)(dui)(dui)象呢?第(di)(di)(di)(di)(di)(di)一(yi)(yi)，從立(li)(li)(li)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)原(yuan)意(yi)(yi)上(shang)，互(hu)聯(lian)網交易(yi)市場(chang)中(zhong)，消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)基(ji)于(yu)(yu)(yu)自(zi)(zi)(zi)(zi)身(shen)(shen)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)生(sheng)存(cun)與(yu)發(fa)展需要(yao)(yao)(yao)(yao)，借助大(da)數(shu)(shu)(shu)據(ju)(ju)征(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)分，以(yi)(yi)(yi)(yi)其(qi)(qi)量(liang)(liang)化(hua)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)替代貨幣消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)。這(zhe)種(zhong)(zhong)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)行為(wei)(wei)(wei)(wei)(wei)(wei)(wei)之(zhi)(zhi)(zhi)目(mu)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)是(shi)因(yin)(yin)生(sheng)活(huo)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)，在(zai)(zai)(zai)《消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》中(zhong)確(que)立(li)(li)(li)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)，與(yu)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)生(sheng)活(huo)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)弱(ruo)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)立(li)(li)(li)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)初衷(zhong)并不沖突。第(di)(di)(di)(di)(di)(di)二，從經(jing)(jing)(jing)(jing)(jing)濟(ji)(ji)(ji)效(xiao)(xiao)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)上(shang)，信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)有(you)(you)(you)(you)(you)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)于(yu)(yu)(yu)將(jiang)潛在(zai)(zai)(zai)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)需要(yao)(yao)(yao)(yao)變成(cheng)現(xian)實的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)能(neng)力與(yu)行為(wei)(wei)(wei)(wei)(wei)(wei)(wei)，拉動經(jing)(jing)(jing)(jing)(jing)濟(ji)(ji)(ji)增(zeng)長(chang)。而(er)當(dang)前互(hu)聯(lian)網的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)私(si)(si)營(ying)征(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)機(ji)構(gou)處于(yu)(yu)(yu)明(ming)顯的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)數(shu)(shu)(shu)據(ju)(ju)壟斷地位，形成(cheng)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)與(yu)經(jing)(jing)(jing)(jing)(jing)營(ying)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)間(jian)(jian)地位的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)實質(zhi)(zhi)不平等(deng)(deng)(deng)(deng)。為(wei)(wei)(wei)(wei)(wei)(wei)(wei)避免市場(chang)調節機(ji)制(zhi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)失(shi)衡，有(you)(you)(you)(you)(you)必要(yao)(yao)(yao)(yao)通(tong)過(guo)《消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》實行適(shi)當(dang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)政府干預(yu)。第(di)(di)(di)(di)(di)(di)三(san)(san)，從權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)結果上(shang)，《消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》能(neng)夠實現(xian)對(dui)(dui)(dui)(dui)(dui)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)經(jing)(jing)(jing)(jing)(jing)濟(ji)(ji)(ji)價(jia)(jia)(jia)(jia)值(zhi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)。1985年(nian)聯(lian)合(he)(he)(he)(he)國《保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)準則》“促(cu)進(jin)和保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)經(jing)(jing)(jing)(jing)(jing)濟(ji)(ji)(ji)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)”之(zhi)(zhi)(zhi)規(gui)(gui)(gui)(gui)(gui)定(ding)(ding)(ding)(ding)(ding)，為(wei)(wei)(wei)(wei)(wei)(wei)(wei)我(wo)(wo)(wo)國《消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》奠定(ding)(ding)(ding)(ding)(ding)了經(jing)(jing)(jing)(jing)(jing)濟(ji)(ji)(ji)價(jia)(jia)(jia)(jia)值(zhi)取(qu)(qu)(qu)向。以(yi)(yi)(yi)(yi)《消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》確(que)立(li)(li)(li)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)，彌補(bu)了合(he)(he)(he)(he)同(tong)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)、人(ren)(ren)(ren)格(ge)(ge)(ge)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)等(deng)(deng)(deng)(deng)現(xian)有(you)(you)(you)(you)(you)制(zhi)度(du)對(dui)(dui)(dui)(dui)(dui)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)經(jing)(jing)(jing)(jing)(jing)濟(ji)(ji)(ji)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)救(jiu)(jiu)濟(ji)(ji)(ji)空(kong)白，有(you)(you)(you)(you)(you)效(xiao)(xiao)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)其(qi)(qi)經(jing)(jing)(jing)(jing)(jing)濟(ji)(ji)(ji)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)與(yu)預(yu)期(qi)機(ji)會。2．消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)納(na)入(ru)《消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)體(ti)(ti)系構(gou)建(1)肯定(ding)(ding)(ding)(ding)(ding)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)服(fu)務(wu)(wu)(wu)在(zai)(zai)(zai)《消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》中(zhong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)客體(ti)(ti)地位《消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》中(zhong)，消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)客體(ti)(ti)是(shi)商品(pin)和服(fu)務(wu)(wu)(wu)。信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)是(shi)商家(jia)基(ji)于(yu)(yu)(yu)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)狀況，為(wei)(wei)(wei)(wei)(wei)(wei)(wei)其(qi)(qi)提(ti)供相(xiang)適(shi)應(ying)(ying)(ying)(ying)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)優惠服(fu)務(wu)(wu)(wu)。這(zhe)類服(fu)務(wu)(wu)(wu)以(yi)(yi)(yi)(yi)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息為(wei)(wei)(wei)(wei)(wei)(wei)(wei)對(dui)(dui)(dui)(dui)(dui)價(jia)(jia)(jia)(jia)，換(huan)取(qu)(qu)(qu)賒(she)購(gou)(gou)、借貸(dai)等(deng)(deng)(deng)(deng)服(fu)務(wu)(wu)(wu)，從交易(yi)自(zi)(zi)(zi)(zi)由與(yu)安全(quan)(quan)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)角度(du)看，信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)實際為(wei)(wei)(wei)(wei)(wei)(wei)(wei)一(yi)(yi)種(zhong)(zhong)特殊的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)對(dui)(dui)(dui)(dui)(dui)價(jia)(jia)(jia)(jia)服(fu)務(wu)(wu)(wu)，買(mai)(mai)家(jia)以(yi)(yi)(yi)(yi)自(zi)(zi)(zi)(zi)身(shen)(shen)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)狀況獲(huo)取(qu)(qu)(qu)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)折扣(kou)或(huo)借貸(dai)優惠，賣家(jia)獲(huo)取(qu)(qu)(qu)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)息以(yi)(yi)(yi)(yi)實現(xian)風(feng)險可(ke)控性(xing)(xing)(xing)和利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)最大(da)化(hua)。可(ke)知(zhi)(zhi)(zhi)，信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)服(fu)務(wu)(wu)(wu)本質(zhi)(zhi)上(shang)也(ye)(ye)屬(shu)于(yu)(yu)(yu)市場(chang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)交換(huan)服(fu)務(wu)(wu)(wu)，屬(shu)于(yu)(yu)(yu)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)客體(ti)(ti)。(2)明(ming)確(que)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)在(zai)(zai)(zai)《消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》中(zhong)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)我(wo)(wo)(wo)國《消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》規(gui)(gui)(gui)(gui)(gui)定(ding)(ding)(ding)(ding)(ding)了9項消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)，消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)應(ying)(ying)(ying)(ying)在(zai)(zai)(zai)知(zhi)(zhi)(zhi)悉權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)、選(xuan)(xuan)擇(ze)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)、公(gong)平交易(yi)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)、獲(huo)得賠(pei)(pei)(pei)(pei)償(chang)(chang)(chang)(chang)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)這(zhe)四(si)項權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)中(zhong)詳細規(gui)(gui)(gui)(gui)(gui)定(ding)(ding)(ding)(ding)(ding)。《消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》第(di)(di)(di)(di)(di)(di)8條(tiao)(tiao)(tiao)(tiao)(tiao)是(shi)規(gui)(gui)(gui)(gui)(gui)定(ding)(ding)(ding)(ding)(ding)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)享(xiang)有(you)(you)(you)(you)(you)知(zhi)(zhi)(zhi)悉商品(pin)及(ji)服(fu)務(wu)(wu)(wu)真實情(qing)況的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)，對(dui)(dui)(dui)(dui)(dui)于(yu)(yu)(yu)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)，應(ying)(ying)(ying)(ying)規(gui)(gui)(gui)(gui)(gui)定(ding)(ding)(ding)(ding)(ding)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)享(xiang)有(you)(you)(you)(you)(you)知(zhi)(zhi)(zhi)悉其(qi)(qi)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)狀況、信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)級(ji)規(gui)(gui)(gui)(gui)(gui)范(fan)、信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)可(ke)得利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)等(deng)(deng)(deng)(deng)情(qing)況的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)。《消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》第(di)(di)(di)(di)(di)(di)9條(tiao)(tiao)(tiao)(tiao)(tiao)規(gui)(gui)(gui)(gui)(gui)定(ding)(ding)(ding)(ding)(ding)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)自(zi)(zi)(zi)(zi)主(zhu)(zhu)(zhu)(zhu)選(xuan)(xuan)擇(ze)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)，對(dui)(dui)(dui)(dui)(dui)于(yu)(yu)(yu)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)，應(ying)(ying)(ying)(ying)確(que)立(li)(li)(li)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)有(you)(you)(you)(you)(you)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)自(zi)(zi)(zi)(zi)主(zhu)(zhu)(zhu)(zhu)決(jue)(jue)定(ding)(ding)(ding)(ding)(ding)是(shi)否(fou)接受征(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)評(ping)(ping)(ping)(ping)(ping)價(jia)(jia)(jia)(jia)以(yi)(yi)(yi)(yi)及(ji)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)授權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)合(he)(he)(he)(he)同(tong)解約(yue)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)。《消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》第(di)(di)(di)(di)(di)(di)10條(tiao)(tiao)(tiao)(tiao)(tiao)規(gui)(gui)(gui)(gui)(gui)定(ding)(ding)(ding)(ding)(ding)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)等(deng)(deng)(deng)(deng)價(jia)(jia)(jia)(jia)交易(yi)獲(huo)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)，對(dui)(dui)(dui)(dui)(dui)于(yu)(yu)(yu)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)，應(ying)(ying)(ying)(ying)明(ming)確(que)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)有(you)(you)(you)(you)(you)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)獲(huo)得信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)價(jia)(jia)(jia)(jia)質(zhi)(zhi)量(liang)(liang)保(bao)(bao)(bao)(bao)(bao)證、信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)價(jia)(jia)(jia)(jia)值(zhi)合(he)(he)(he)(he)理、公(gong)正(zheng)授信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)等(deng)(deng)(deng)(deng)交易(yi)條(tiao)(tiao)(tiao)(tiao)(tiao)件，有(you)(you)(you)(you)(you)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)拒絕強制(zhi)交易(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)“霸王條(tiao)(tiao)(tiao)(tiao)(tiao)款(kuan)(kuan)(kuan)(kuan)”。《消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》第(di)(di)(di)(di)(di)(di)11條(tiao)(tiao)(tiao)(tiao)(tiao)規(gui)(gui)(gui)(gui)(gui)定(ding)(ding)(ding)(ding)(ding)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)因(yin)(yin)人(ren)(ren)(ren)身(shen)(shen)、財(cai)產(chan)損(sun)(sun)(sun)(sun)(sun)(sun)(sun)害(hai)(hai)(hai)享(xiang)有(you)(you)(you)(you)(you)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)賠(pei)(pei)(pei)(pei)償(chang)(chang)(chang)(chang)請求權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)，對(dui)(dui)(dui)(dui)(dui)于(yu)(yu)(yu)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)，應(ying)(ying)(ying)(ying)給予消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)因(yin)(yin)錯誤征(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)導(dao)致(zhi)(zhi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)額(e)(e)度(du)下(xia)降、可(ke)期(qi)待經(jing)(jing)(jing)(jing)(jing)濟(ji)(ji)(ji)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)減(jian)(jian)(jian)少(shao)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)損(sun)(sun)(sun)(sun)(sun)(sun)(sun)失(shi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)經(jing)(jing)(jing)(jing)(jing)濟(ji)(ji)(ji)補(bu)償(chang)(chang)(chang)(chang)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)。《消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》第(di)(di)(di)(di)(di)(di)15條(tiao)(tiao)(tiao)(tiao)(tiao)規(gui)(gui)(gui)(gui)(gui)定(ding)(ding)(ding)(ding)(ding)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)監督權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)，對(dui)(dui)(dui)(dui)(dui)于(yu)(yu)(yu)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)，可(ke)設立(li)(li)(li)線(xian)上(shang)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)組織(zhi)，暢通(tong)線(xian)上(shang)檢(jian)舉、控告(gao)(gao)途徑，結合(he)(he)(he)(he)“區塊鏈+大(da)數(shu)(shu)(shu)據(ju)(ju)”技術(shu)取(qu)(qu)(qu)證對(dui)(dui)(dui)(dui)(dui)抗大(da)數(shu)(shu)(shu)據(ju)(ju)征(zheng)(zheng)(zheng)(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)侵(qin)(qin)(qin)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)行為(wei)(wei)(wei)(wei)(wei)(wei)(wei)。(3)設計懲(cheng)罰性(xing)(xing)(xing)賠(pei)(pei)(pei)(pei)償(chang)(chang)(chang)(chang)責(ze)(ze)(ze)(ze)任(ren)《消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)保(bao)(bao)(bao)(bao)(bao)護(hu)(hu)(hu)(hu)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)》第(di)(di)(di)(di)(di)(di)55條(tiao)(tiao)(tiao)(tiao)(tiao)規(gui)(gui)(gui)(gui)(gui)定(ding)(ding)(ding)(ding)(ding)欺(qi)詐行為(wei)(wei)(wei)(wei)(wei)(wei)(wei)以(yi)(yi)(yi)(yi)及(ji)缺陷產(chan)品(pin)致(zhi)(zhi)害(hai)(hai)(hai)所(suo)應(ying)(ying)(ying)(ying)承(cheng)擔的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)加倍賠(pei)(pei)(pei)(pei)償(chang)(chang)(chang)(chang)責(ze)(ze)(ze)(ze)任(ren)。懲(cheng)罰性(xing)(xing)(xing)賠(pei)(pei)(pei)(pei)償(chang)(chang)(chang)(chang)維護(hu)(hu)(hu)(hu)了消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)合(he)(he)(he)(he)法(fa)(fa)(fa)(fa)(fa)(fa)(fa)(fa)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)，同(tong)時(shi)(shi)起到(dao)威懾再犯的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)作用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)。但現(xian)有(you)(you)(you)(you)(you)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)懲(cheng)罰性(xing)(xing)(xing)賠(pei)(pei)(pei)(pei)償(chang)(chang)(chang)(chang)制(zhi)度(du)存(cun)在(zai)(zai)(zai)一(yi)(yi)種(zhong)(zhong)明(ming)顯“任(ren)意(yi)(yi)”，其(qi)(qi)賠(pei)(pei)(pei)(pei)付金(jin)額(e)(e)難(nan)以(yi)(yi)(yi)(yi)認(ren)定(ding)(ding)(ding)(ding)(ding)。在(zai)(zai)(zai)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)領域，應(ying)(ying)(ying)(ying)考慮區分補(bu)償(chang)(chang)(chang)(chang)性(xing)(xing)(xing)賠(pei)(pei)(pei)(pei)償(chang)(chang)(chang)(chang)金(jin)與(yu)懲(cheng)罰性(xing)(xing)(xing)賠(pei)(pei)(pei)(pei)償(chang)(chang)(chang)(chang)金(jin)。對(dui)(dui)(dui)(dui)(dui)于(yu)(yu)(yu)存(cun)在(zai)(zai)(zai)故意(yi)(yi)欺(qi)詐、惡意(yi)(yi)評(ping)(ping)(ping)(ping)(ping)價(jia)(jia)(jia)(jia)等(deng)(deng)(deng)(deng)情(qing)形導(dao)致(zhi)(zhi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)損(sun)(sun)(sun)(sun)(sun)(sun)(sun)失(shi)，應(ying)(ying)(ying)(ying)以(yi)(yi)(yi)(yi)懲(cheng)罰性(xing)(xing)(xing)賠(pei)(pei)(pei)(pei)償(chang)(chang)(chang)(chang)進(jin)行規(gui)(gui)(gui)(gui)(gui)制(zhi)，要(yao)(yao)(yao)(yao)求相(xiang)關責(ze)(ze)(ze)(ze)任(ren)主(zhu)(zhu)(zhu)(zhu)體(ti)(ti)承(cheng)擔消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)可(ke)得利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)一(yi)(yi)到(dao)三(san)(san)倍的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)損(sun)(sun)(sun)(sun)(sun)(sun)(sun)害(hai)(hai)(hai)賠(pei)(pei)(pei)(pei)償(chang)(chang)(chang)(chang)。而(er)對(dui)(dui)(dui)(dui)(dui)于(yu)(yu)(yu)一(yi)(yi)些(xie)無(wu)(wu)意(yi)(yi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)侵(qin)(qin)(qin)權(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)(quan)行為(wei)(wei)(wei)(wei)(wei)(wei)(wei)，如原(yuan)始數(shu)(shu)(shu)據(ju)(ju)錯誤導(dao)致(zhi)(zhi)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)評(ping)(ping)(ping)(ping)(ping)價(jia)(jia)(jia)(jia)偏差、第(di)(di)(di)(di)(di)(di)三(san)(san)方(fang)過(guo)錯造成(cheng)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)減(jian)(jian)(jian)損(sun)(sun)(sun)(sun)(sun)(sun)(sun)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)，以(yi)(yi)(yi)(yi)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)直接、間(jian)(jian)接利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)損(sun)(sun)(sun)(sun)(sun)(sun)(sun)失(shi)為(wei)(wei)(wei)(wei)(wei)(wei)(wei)限(xian)進(jin)行補(bu)償(chang)(chang)(chang)(chang)。此外，對(dui)(dui)(dui)(dui)(dui)于(yu)(yu)(yu)懲(cheng)罰性(xing)(xing)(xing)賠(pei)(pei)(pei)(pei)償(chang)(chang)(chang)(chang)金(jin)額(e)(e)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)確(que)定(ding)(ding)(ding)(ding)(ding)，不應(ying)(ying)(ying)(ying)以(yi)(yi)(yi)(yi)消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)主(zhu)(zhu)(zhu)(zhu)張(zhang)的(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)(de)利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)訴(su)求決(jue)(jue)定(ding)(ding)(ding)(ding)(ding)，應(ying)(ying)(ying)(ying)當(dang)結合(he)(he)(he)(he)具(ju)(ju)體(ti)(ti)情(qing)況通(tong)過(guo)假設評(ping)(ping)(ping)(ping)(ping)估預(yu)期(qi)可(ke)得利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)。即假設信(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)(yong)未減(jian)(jian)(jian)損(sun)(sun)(sun)(sun)(sun)(sun)(sun)狀況下(xia)，消(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)費(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)(fei)者(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)(zhe)在(zai)(zai)(zai)一(yi)(yi)定(ding)(ding)(ding)(ding)(ding)期(qi)限(xian)內(nei)可(ke)獲(huo)得利(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)(li)益(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)(yi)價(jia)(jia)(jia)(jia)值(zhi)。

五、結語

產(chan)值最(zui)大(da)化(hua)和(he)財富(fu)最(zui)大(da)化(hua)是衡(heng)(heng)量(liang)效率(lv)的(de)(de)(de)尺度(du)，而(er)產(chan)值和(he)財富(fu)又(you)取決(jue)于成本(ben)的(de)(de)(de)多少(shao)。可(ke)知(zhi)效率(lv)與成本(ben)緊密聯系。從法(fa)(fa)(fa)學與經(jing)(jing)濟學的(de)(de)(de)關聯思考，正(zheng)義與效率(lv)也存(cun)在(zai)著密切(qie)關系。在(zai)互(hu)聯網交易市場(chang)(chang)，經(jing)(jing)營(ying)者(zhe)追求效率(lv)(成本(ben))，消(xiao)(xiao)費(fei)者(zhe)追求正(zheng)義(權(quan)(quan)(quan)利(li)(li)(li)(li))。這二者(zhe)看似矛盾，但在(zai)制(zhi)(zhi)衡(heng)(heng)演變中(zhong)卻可(ke)以(yi)(yi)尋(xun)到(dao)最(zui)佳平衡(heng)(heng)點(dian)。經(jing)(jing)營(ying)者(zhe)需要有(you)足夠的(de)(de)(de)權(quan)(quan)(quan)利(li)(li)(li)(li)操(cao)控信(xin)(xin)(xin)(xin)(xin)(xin)息(xi)利(li)(li)(li)(li)益(yi)(yi)，而(er)消(xiao)(xiao)費(fei)者(zhe)也有(you)權(quan)(quan)(quan)利(li)(li)(li)(li)知(zhi)曉自己的(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)息(xi)并自主(zhu)決(jue)定個(ge)人信(xin)(xin)(xin)(xin)(xin)(xin)息(xi)、信(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)的(de)(de)(de)使用(yong)(yong)(yong)范(fan)圍。在(zai)大(da)數(shu)據征(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)中(zhong)，若(ruo)過(guo)度(du)強(qiang)調消(xiao)(xiao)費(fei)者(zhe)的(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)自主(zhu)權(quan)(quan)(quan)，無(wu)法(fa)(fa)(fa)激(ji)活信(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)交易市場(chang)(chang);若(ruo)一味維護(hu)經(jing)(jing)營(ying)者(zhe)信(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)數(shu)據使用(yong)(yong)(yong)權(quan)(quan)(quan)，又(you)忽視了(le)消(xiao)(xiao)費(fei)者(zhe)的(de)(de)(de)權(quan)(quan)(quan)利(li)(li)(li)(li)，無(wu)法(fa)(fa)(fa)帶(dai)(dai)來長久利(li)(li)(li)(li)益(yi)(yi)。因此，在(zai)征(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)關系中(zhong)，應尋(xun)找(zhao)平衡(heng)(heng)點(dian)，使二者(zhe)利(li)(li)(li)(li)益(yi)(yi)最(zui)大(da)化(hua)。在(zai)消(xiao)(xiao)費(fei)信(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)合(he)同為(wei)(wei)起點(dian)的(de)(de)(de)互(hu)聯網征(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)中(zhong)，動態廣泛的(de)(de)(de)數(shu)據給信(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)評分帶(dai)(dai)來較大(da)的(de)(de)(de)不(bu)(bu)確定性(xing)(xing)。而(er)私營(ying)征(zheng)信(xin)(xin)(xin)(xin)(xin)(xin)機構的(de)(de)(de)逐利(li)(li)(li)(li)本(ben)性(xing)(xing)，也決(jue)定了(le)信(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)評價的(de)(de)(de)非客觀(guan)性(xing)(xing)。而(er)消(xiao)(xiao)費(fei)信(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)的(de)(de)(de)循環動態利(li)(li)(li)(li)益(yi)(yi)及經(jing)(jing)濟價值屬(shu)性(xing)(xing)，又(you)為(wei)(wei)消(xiao)(xiao)費(fei)信(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)權(quan)(quan)(quan)益(yi)(yi)保(bao)護(hu)增加了(le)難度(du)。綜觀(guan)現有(you)法(fa)(fa)(fa)律，合(he)同法(fa)(fa)(fa)、民法(fa)(fa)(fa)、行(xing)政法(fa)(fa)(fa)均無(wu)法(fa)(fa)(fa)為(wei)(wei)消(xiao)(xiao)費(fei)信(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)權(quan)(quan)(quan)益(yi)(yi)提供(gong)充分的(de)(de)(de)保(bao)護(hu)。而(er)在(zai)《消(xiao)(xiao)費(fei)者(zhe)權(quan)(quan)(quan)益(yi)(yi)保(bao)護(hu)法(fa)(fa)(fa)》中(zhong)確立信(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)權(quan)(quan)(quan)益(yi)(yi)，以(yi)(yi)消(xiao)(xiao)費(fei)者(zhe)利(li)(li)(li)(li)益(yi)(yi)為(wei)(wei)導向，既保(bao)障消(xiao)(xiao)費(fei)者(zhe)的(de)(de)(de)知(zhi)情(qing)權(quan)(quan)(quan)、選擇權(quan)(quan)(quan)、信(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)異議權(quan)(quan)(quan)、經(jing)(jing)濟求償權(quan)(quan)(quan)等，又(you)不(bu)(bu)會造(zao)成人格利(li)(li)(li)(li)益(yi)(yi)捆綁信(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)價值所帶(dai)(dai)來的(de)(de)(de)信(xin)(xin)(xin)(xin)(xin)(xin)用(yong)(yong)(yong)流通(tong)的(de)(de)(de)過(guo)度(du)限制(zhi)(zhi)，將是未來消(xiao)(xiao)費(fei)立法(fa)(fa)(fa)的(de)(de)(de)大(da)勢之(zhi)趨(qu)。

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作(zuo)者:魏偉(wei)佳 單(dan)位:華僑大(da)學法學院