限额单卡与特定行业，委员提议给预付卡设两道红线

Core Viewpoint - The rise of prepaid consumption models in various sectors has led to significant consumer protection issues, prompting calls for regulatory reforms to address these challenges [1][2]. Group 1: Current Issues in Prepaid Consumption - Prepaid consumption is prevalent in sectors like education, fitness, and retail, providing convenience and quick capital recovery for businesses [1]. - There has been an increase in consumer disputes related to prepaid services, with issues such as businesses "running away with funds," reduced service quality, and difficulties in obtaining refunds becoming more common [1][2]. - The emergence of a "professional closure" industry that assists businesses in evading debts has been noted, highlighting the need for stronger regulatory measures [2]. Group 2: Regulatory Recommendations - It is suggested that regulatory bodies collaborate to create a real-time data-sharing system for merchant qualifications, fund management, and complaint handling [3]. - A risk grading system for merchants should be implemented, allowing for dynamic adjustments based on consumer complaints and enabling timely warnings for high-risk businesses [3]. - Positive incentives for industry self-regulation, such as tax reductions and loan interest discounts for compliant businesses, are recommended [3]. Group 3: Legal and Operational Framework - The current low entry barriers for businesses in prepaid consumption and the prevalence of false advertising necessitate stricter regulations [4]. - The "Beijing Single-Purpose Prepaid Card Management Regulations" established in June 2022 need further refinement to enhance their effectiveness [4][5]. - A "risk reserve fund" system is proposed, requiring businesses to set aside a percentage of prepaid funds to ensure consumer compensation in case of business failure [5]. Group 4: Financial and Service Platforms - A unified regulatory platform for prepaid consumption should be established, integrating financial oversight and service provision to address industry challenges [6][7]. - The platform would facilitate a closed-loop system for managing prepaid funds, ensuring compliance and providing a comprehensive service solution for stakeholders [6]. - A financial service platform is also recommended to alleviate financing difficulties for compliant businesses, offering favorable financial products based on their operational data [7].