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學習快評丨qibao666888　　黑??(hei)貓??(mao)投??(tou)訴??(su)平??(ping)臺??(tai)顯??(xian)示?(shi)?，僅??(jin)解?(jie)除?(chu)“貓??(mao)貸??(dai)”的??(de)訴??(su)求??(qiu)就??(jiu)超??(chao)過??(guo)千??(qian)條??(tiao)?，暴??(bao)露??(lu)出??(chu)這??(zhe)種??(zhong)模??(mo)式??(shi)的?(de)普??(pu)遍??(bian)性??(xing)與??(yu)危??(wei)害?(hai)性??(xing)??。??這??(zhe)種??(zhong)營??(ying)銷?(xiao)模??(mo)式??(shi)本??(ben)質(zhì)??(zhi)上??(shang)是??(shi)將??(jiang)寵??(chong)物??(wu)交??(jiao)易??(yi)拆??(chai)解??(jie)為??(wei)“寵??(chong)物??(wu)贈??(zeng)送??(song)+用??(yong)品??(pin)銷?(xiao)售??(shou)”的??(de)復(fù)??(fu)合?(he)合??(he)同?(tong)??。雖??(sui)然?(ran)名??(ming)義??(yi)上??(shang)是??(shi)領(lǐng)??(ling)養(yǎng)?(yang)?，但??(dan)消??(xiao)費??(fei)者?(zhe)需??(xu)持??(chi)續(xù)??(xu)支??(zhi)付??(fu)用??(yong)品?(pin)費??(fei)用?(yong)?，實??(shi)質(zhì)??(zhi)構(gòu)??(gou)成??(cheng)買??(mai)賣??(mai)關(guān)??(guan)系??(xi)??。商??(shang)家??(jia)通??(tong)過?(guo)這??(zhe)種??(zhong)設(shè)??(she)計??(ji)規(guī)??(gui)避??(bi)動??(dong)物??(wu)防?(fang)疫??(yi)法??(fa)關(guān)??(guan)于??(yu)寵??(chong)物??(wu)交??(jiao)易??(yi)的??(de)監(jiān)??(jian)管??(guan)要??(yao)求?(qiu)?，同??(tong)時?(shi)將??(jiang)消??(xiao)費??(fei)糾??(jiu)紛??(fen)轉(zhuǎn)??(zhuan)化??(hua)為?(wei)合??(he)同??(tong)履??(lv)約??(yue)爭??(zheng)議?(yi)??。消??(xiao)費??(fei)者??(zhe)基??(ji)于?(yu)對??(dui)“公??(gong)益??(yi)領(lǐng)??(ling)養(yǎng)??(yang)”的??(de)信??(xin)任??(ren)?，往??(wang)往??(wang)在??(zai)未??(wei)充??(chong)分??(fen)理??(li)解??(jie)合??(he)同??(tong)條??(tiao)款??(kuan)的??(de)情?(qing)況??(kuang)下??(xia)簽??(qian)署??(shu)協(xié)?(xie)議??(yi)??。商??(shang)家?(jia)則??(ze)通??(tong)過??(guo)格??(ge)式??(shi)條??(tiao)款??(kuan)免?(mian)除?(chu)自??(zi)身??(shen)責?(ze)任??(ren)?，例??(li)如??(ru)約??(yue)定??(ding)寵??(chong)物??(wu)死??(si)亡??(wang)后??(hou)仍??(reng)需??(xu)付??(fu)款??(kuan)?，或??(huo)限??(xian)定??(ding)只??(zhi)能??(neng)在??(zai)其??(qi)小??(xiao)程??(cheng)序??(xu)購??(gou)買??(mai)用??(yong)品??(pin)等??(deng)??。這??(zhe)種??(zhong)不??(bu)對??(dui)等??(deng)的??(de)合??(he)同??(tong)關(guān)?(guan)系??(xi)?，使?(shi)消??(xiao)費??(fei)者??(zhe)陷??(xian)入??(ru)“領(lǐng)?(ling)養(yǎng)??(yang)即?(ji)負?(fu)債??(zhai)”的??(de)困??(kun)境??(jing)???！　∩??(shang)家?(jia)打??(da)著??(zhe)“公??(gong)益?(yi)領(lǐng)??(ling)養(yǎng)??(yang)”的??(de)幌??(huang)子??(zi)?，通?(tong)過??(guo)透??(tou)明??(ming)展??(zhan)柜??(gui)中??(zhong)活??(huo)潑??(po)可??(ke)愛?(ai)的??(de)寵??(chong)物??(wu)吸??(xi)引??(yin)客??(ke)流??(liu)??。??當??(dang)消??(xiao)費??(fei)者??(zhe)產(chǎn)??(chan)生??(sheng)領(lǐng)??(ling)養(yǎng)?(yang)意??(yi)向??(xiang)時??(shi)?，店??(dian)員?(yuan)便??(bian)推??(tui)出??(chu)“寵??(chong)物??(wu)糧??(liang)保??(bao)障?(zhang)計??(ji)劃??(hua)”“無?(wu)憂??(you)養(yǎng)??(yang)寵??(chong)計??(ji)劃??(hua)”等??(deng)分??(fen)期??(qi)方??(fang)案??(an)?，將??(jiang)寵祝(chong)物??(wu)用?(yong)品??(pin)費??(fei)用??(yong)分??(fen)解??(jie)為??(wei)24期??(qi)或??(huo)36期?(qi)付??(fu)款??(kuan)?，錢??(qian)款??(kuan)用?(yong)于??(yu)在??(zai)商??(shang)家??(jia)的??(de)小??(xiao)程??(cheng)序??(xu)“商??(shang)城??(cheng)”購??(gou)買??(mai)飼??(si)養(yǎng)?(yang)用??(yong)品??(pin)?，這??(zhe)種??(zhong)每??(mei)月?(yue)定??(ding)時?(shi)付??(fu)款??(kuan)的??(de)模?(mo)式??(shi)也??(ye)被??(bei)稱??(cheng)為??(wei)“寵??(chong)物??(wu)貸??(dai)”??。部??(bu)分??(fen)商??(shang)家??(jia)甚?(shen)至??(zhi)將??(jiang)付??(fu)款??(kuan)與??(yu)征??(zheng)信??(xin)掛??(gua)鉤??(gou)?，威??(wei)脅??(xie)消??(xiao)費??(fei)者??(zhe)若??(ruo)中??(zhong)途??(tu)停??(ting)止??(zhi)付??(fu)款??(kuan)將??(jiang)影??(ying)響??(xiang)信??(xin)用??(yong)記??(ji)錄?(lu)??。。