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 - Prepaid consumption in the service industry has become a significant issue due to problems such as merchants absconding with funds, false advertising, and difficulties in consumer rights protection, prompting calls for improved governance and regulation [1][3]. Group 1: Current Issues in Prepaid Consumption - The main issues with prepaid consumption are concentrated in four core sectors: beauty, hairdressing, dining, and fitness, with each sector exhibiting unique characteristics [3]. - In 2025, the focus of prepaid consumption issues shifted towards the dining and beauty sectors, with the beauty industry identified as a "disaster zone" due to high prepaid amounts and widespread consumption scenarios [3]. - The dining sector has seen an increase in prepaid consumption disputes, primarily due to sudden business closures, leaving consumers unable to recover their prepaid funds [3]. Group 2: Recommendations for Improvement - To reduce consumer protection costs and barriers, it is recommended to promote standardized contract templates for prepaid services, ensuring clear refund terms and prohibiting unfair clauses [4]. - Establishing administrative mediation and expedited small claims court processes is suggested to prioritize the resolution of prepaid consumption disputes [4]. - Strengthening local legislative frameworks and ensuring the implementation of existing regulations, such as the 2022 "Beijing Regulations on the Management of Single-Use Prepaid Cards," is crucial for effective governance [5]. Group 3: Regulatory Measures - It is advised to enhance source regulation by setting strict market entry thresholds for businesses intending to operate prepaid consumption models, including the establishment of credit files for monitoring [6]. - Introducing a "risk reserve fund" system, requiring operators to deposit a percentage of prepaid funds, is proposed to ensure consumer compensation in case of business failure [6]. - A unified registration and inquiry platform is recommended to enhance transparency regarding merchant information, fund management status, and consumer rights [6]. Group 4: Collaborative Governance - A collaborative governance model involving digital transformation and shared responsibilities among various stakeholders is essential for effective prepaid consumption regulation [7]. - The creation of a unified regulatory platform for prepaid consumption is suggested to utilize big data for dynamic risk assessment of merchants [7]. - Encouraging the participation of social forces, such as landlords of commercial complexes, in verifying merchants engaged in prepaid consumption is recommended to enhance accountability [7].