Research on the Protection of Consumers’ Rights and Interests in the “Use Now, Pay Later” Model on the Kuaishou Platform

近年来，各电商平台推出了“先用后付”这一新型支付模式，在看似给消费者带来便利的背后，却隐藏着对消费者权益的侵害。本文以快手平台为例，分析了“先用后付”对消费者知情权、选择权的侵害以及可能存在的财产安全风险，揭示了平台利益驱动、法律规则的滞后性以及消费者的认知偏差是其使用此种支付模式造成合法权益受损的原因。对此，本文给出了相应的策略来解决这些问题。首先，平台自身要肩负起保护消费者权益的责任，对“先用后付”应该做到详细且明确的提示，对商品和商家严格审核以及建立一套完善的售后服务体系。其次，相关部门应针对“先用后付”出台相应的法律法规，明确平台、商家的责任。最后，消费者自身也应该提升自己选择商品的能力、保护信息的能力和维护自己权益的能力。In recent years, various e-commerce platforms have introduced a new payment model called “use now, pay later”. While it seems to offer convenience to consumers, it actually conceals infringements on their rights and interests. Taking the Kuaishou platform as an example, this article analyzes the infringement of consumers’ right to know and right to choose, as well as the potential risks to their property security caused by “use now, pay later”. It reveals that the platform’s profit-driven nature, the lagging legal regulations, and consumers’ cognitive biases are the reasons for the damage to their legitimate rights and interests due to the use of this payment model. In response, this article provides corresponding strategies to address these issues. Firstly, the platform itself should take the responsibility of protecting consumers’ rights and interests, providing detailed and clear prompts for “use now, pay later”, strictly reviewing products and merchants, and establishing a complete after-sales service system. Secondly, relevant departments should introduce corresponding laws and regulations for “use now, pay later”, clearly defining the responsibilities of the platform and merchants. Finally, consumers themselves should also enhance their ability to choose products, protect information, and safeguard their rights and interests.