浙江杭州预付式消费综合治理成效明显

Core Insights - Hangzhou has achieved significant results in the comprehensive governance of prepaid consumption, launching a social co-governance action for integrity in business and a market-oriented reform plan for promotion across the province [1] Group 1: Government Initiatives - Hangzhou is the first city in China to define administrative departments involved in prepaid consumption management by industry supervision, comprehensive regulation, and law enforcement [1] - The city has strengthened inter-departmental collaboration and improved the risk warning and disposal mechanism, incorporating prepaid consumption into industry credit governance [1] - By the end of November 2025, the city received and handled 19,000 complaints related to closed prepaid consumption businesses, a year-on-year decrease of 19.23%, with the largest declines in education and training (59.37%) and sports fitness (29.36%) [1] Group 2: Market Developments - Hangzhou has actively developed a new model of platform economy, supporting the launch of market-oriented products such as Ant Group's "Anxin Pay" and Meituan's "Anxin Study" [1] - By the end of November 2025, the city had secured 562 million yuan in funds for consumer safety through these platforms [1] - The Gongshu District has implemented market-oriented reforms in prepaid consumption, covering 6,256 merchants across 21 sub-sectors, ensuring the safety of 110 million yuan in funds [2] Group 3: New Policies and Incentives - Three new policy measures were announced, allowing prepaid payments through compliant third-party platforms to be exempt from card issuance registration and to exceed the 5,000 yuan limit [2] - Businesses participating in the new prepaid consumption safety management model can receive up to 200,000 yuan in support for high-quality development from the city [2] - The first batch of 99 one-star stores in the beauty and hairdressing industry was announced, along with 13 stores in the "credit + sports consumption" application scenarios [2] Group 4: Collaborative Efforts - Ant Group announced the upgrade of "Anxin Pay 2.0," while Meituan launched the "Anxin Study Credit List" [3] - Representatives from government, consumers, and industry associations initiated a provincial promotion map for market-oriented reforms, marking the transition of the "Hangzhou experience" from pilot exploration to provincial deepening [3]