杭州创新预付式消费综合治理模式

Group 1 - The core viewpoint of the article is that Hangzhou has implemented innovative practices to address the challenges of prepaid consumption, such as refund difficulties and business closures, through "credit empowerment and social co-governance" [1] - Hangzhou has been recognized as a national pioneer in this area, with its practices being rated as the best in the province and promoted throughout the province [1] - The city has clarified the responsibilities of administrative departments involved in prepaid consumption management, enhancing departmental collaboration and risk warning mechanisms, resulting in a significant decrease of 19.23% in consumer complaints related to business closures by November 2025 [1] Group 2 - Credit construction is central to the governance model, with the first batch of credit star ratings for the beauty and hairdressing industry being released, providing clear guidance for consumers and establishing benchmarks for honest businesses [2] - Hangzhou has introduced incentive measures for businesses that collect prepaid payments through compliant third-party platforms, including exemptions from card issuance registration and financial support of up to 200,000 yuan for those exploring fund safety management [2] - The Hangzhou Market Supervision Administration has developed a public service platform, "Hangqi Hui," which has provided financing support to thousands of individual operators, with several banks offering special credit based on this platform and credit evaluation results [2]