2026北京两会｜对话市政协委员田晶鑫：让预付资金有监管、可追溯、能赔付

Core Viewpoint - The governance of prepaid consumption in the service industry has become a focal point due to issues such as merchants absconding with funds, false advertising, and difficulties in consumer rights protection. Suggestions include legislative improvements, innovative regulation, and optimized consumer rights protection measures [3][9]. Group 1: Current Issues in Prepaid Consumption - The main problems in prepaid consumption are concentrated in four core sectors: beauty, hairdressing, dining, and fitness, with the beauty and hairdressing industry identified as a "disaster area" due to high prepaid amounts and common consumption scenarios [7][10]. - In 2025, the dining and beauty sectors are expected to see a rise in prepaid consumption issues, primarily due to the operational environment of the dining industry, leading to frequent disputes when merchants suddenly close [7][10]. Group 2: Recommendations for Improvement - To reduce consumer rights protection costs, it is recommended to promote standardized contract templates for prepaid services, mandating clear refund terms and liability clauses to eliminate unfair terms [8][9]. - Establishing administrative mediation and expedited small claims court processes is suggested to prioritize administrative mediation for disputes, with a "green channel" for small claims court cases to ensure quick resolution [8][9]. Group 3: Regulatory Enhancements - The primary breakthrough in governance should focus on the refinement and implementation of local legislation, such as the 2022 "Beijing Regulations on the Management of Single-Purpose Prepaid Cards," to ensure effective enforcement [9][10]. - Strengthening source regulation by setting strict market entry thresholds for businesses intending to operate prepaid consumption models is recommended, including the establishment of credit files for monitoring [9][10]. Group 4: Financial Security Measures - Introducing a "risk reserve fund" system is proposed, requiring issuers to deposit a percentage (e.g., 5%) of total prepaid funds to ensure consumer compensation in case of business failure [10]. - Implementing limits on prepaid amounts for individual consumers and encouraging a "cycle cap" system for long-term service industries is suggested to control risks [10]. Group 5: Digital and Collaborative Governance - A "smart + collaborative" dynamic regulatory framework is essential, leveraging digital transformation to enhance regulatory precision and timeliness [11]. - The creation of a unified regulatory platform for prepaid consumption is recommended, utilizing big data to assess merchant risks and provide early warnings [11]. - Encouraging the involvement of social forces in governance, such as requiring landlords of commercial complexes to verify merchants engaged in prepaid consumption, is also suggested [11].