预付款消费是指经营者以先从消费者处收取预付费,在约定期限分期分次提供商品或者服务的经营方式。目前这种形式在我国消费领域中大量存在,然而针对这一模式的监管不完善。应尽快完善相关法律规制,保障消费者合法权益。 Prepaid consumption refers to the operator to first charge from the consumer at the prepaid fee, the agreed period of time to provide goods or services by stages mode of operation. At present, this form of mass exists in the field of consumption in our country, however, the regulation against this model is imperfect. Improve the relevant legal regulations as soon as possible to protect the legitimate rights and interests of consumers.