预付式消费

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“成都预付保”即将上线!平台差额监管,若遇商家“跑路”可启动保障机制
Sou Hu Cai Jing· 2025-07-10 01:35
Core Viewpoint - The prepayment consumption model in the social medical service sector faces a trust crisis due to incidents of businesses "running away," prompting a need for solutions to restore consumer confidence and ensure healthy industry development [1][3]. Group 1: Industry Challenges - The reliance on prepayment consumption in the social medical service sector allows consumers to enjoy discounts and convenience while helping businesses secure customers and manage funds [3]. - Recent incidents of businesses closing unexpectedly have led to consumer difficulties in obtaining refunds, exacerbating the trust crisis within the industry [3][4]. Group 2: Proposed Solutions - The "Chengdu Prepayment Protection" platform is set to launch, aiming to build a trust bridge between consumers and businesses through a model of "government-led + professional operation + bank custody" [3][4]. - The platform will implement measures such as online promotion and offline credit identification for trustworthy businesses to enhance consumer trust [4]. Group 3: Financial Support and Risk Management - The platform will allow businesses to use 30%-70% of their funds for daily operations based on a whitelist system, with more flexibility for those with good credit [4]. - In case of business closures, the platform has a service guarantee mechanism to assist with service transfers or refunds, ensuring continuous medical service for consumers [4]. Group 4: Pilot Programs and Regulatory Support - A joint initiative by multiple government departments aims to optimize the business environment and address issues in prepayment consumption, with pilot programs in specific regions focusing on social medical services and other sectors [6]. - The initiative emphasizes proactive measures to prevent issues rather than reactive accountability, aiming to boost consumer confidence and meet medical service demands [6].
预付式消费司法解释实施两个月消费者体验如何?记者调查
Bei Jing Qing Nian Bao· 2025-06-30 22:40
Core Viewpoint - The implementation of the Supreme Court's interpretation on prepaid consumption disputes has led to improved consumer rights and experiences, particularly in the fitness industry, where consumers are now more empowered to seek refunds and transfer memberships [1][3][8]. Group 1: Consumer Experiences - A consumer named Wang faced difficulties in obtaining a refund after experiencing injuries from a fitness program, but successfully sued for a full refund after the new interpretation was enacted [2][5]. - Another consumer, Teng, resolved a two-year dispute regarding unused training sessions after the interpretation clarified her rights, leading to a court ruling in her favor [6][7]. Group 2: Business Adjustments - Many businesses, including gyms and beauty salons, have adjusted their policies to allow easier refunds and membership transfers in response to the new interpretation [4][10]. - Individual businesses tend to have fewer restrictions on refunds and transfers compared to chain stores, which often provide clearer contracts and service optimizations [4]. Group 3: Legal Clarifications - The interpretation outlines specific consumer rights, including a seven-day no-reason refund policy, which addresses the information asymmetry between consumers and businesses [3][11]. - It identifies seven types of unfair contract terms related to prepaid services, empowering consumers to challenge unreasonable clauses [8][9]. Group 4: Recommendations for Consumers - Consumers are advised to strengthen their evidence collection practices, such as retaining contracts, payment records, and communication with businesses to support their claims [12][13]. - The interpretation emphasizes the importance of clear contractual agreements and the need for consumers to understand their rights regarding refunds and service quality [14][15].
预付式消费困局破题!“广信预”平台首发亮相金交会
Sou Hu Cai Jing· 2025-06-26 14:54
Core Viewpoint - The emergence of the "Guangxin Yu" platform aims to address the prevalent issues in prepaid consumption, enhancing consumer confidence and ensuring the safety of prepaid funds through digital currency technology [1][3]. Group 1: Platform Overview - The "Guangxin Yu" platform was launched at the 14th China (Guangzhou) International Financial Trading Expo, developed by Guangzhou Digital Technology Group in collaboration with state-owned banks [1]. - The platform utilizes digital RMB and smart contract technology to create a closed-loop management system for prepaid funds, ensuring real-time settlement and security for consumers [3][4]. Group 2: Consumer Benefits - Consumers retain ownership of prepaid funds until the moment of consumption, with smart contracts automatically executing payments based on predefined conditions [3]. - In cases of merchant bankruptcy or service cessation, the platform guarantees the safe return of prepaid funds to consumers [3][4]. Group 3: Merchant Advantages - Merchants benefit from zero withdrawal fees and low-interest financing products provided by banks, reducing operational costs and enhancing payment efficiency [4]. - The platform's smart contract controls all prepaid funds, effectively eliminating the risk of fund misappropriation [4]. Group 4: Collaborative Ecosystem - The platform aims to establish a collaborative ecosystem involving government, banks, enterprises, and consumers, driving digital transformation in industry governance [4]. - The initiative is expected to contribute to Guangzhou's goal of becoming an international consumption center, stimulating market vitality and promoting social stability [4].
预付式消费新规落地一个多月,成都多家舞蹈机构仍然办卡容易退费难
Sou Hu Cai Jing· 2025-06-19 14:07
Group 1 - The Supreme People's Court's interpretation on prepayment consumption disputes aims to address issues such as fund misappropriation, "unfair clauses," and refund difficulties, which remain prevalent despite the new regulations [1][2] - The interpretation consists of 27 articles that clarify the scope of application, responsibility identification, contract interpretation, refund obligations, and evidence provision responsibilities for operators, enhancing consumer protection while balancing the interests of businesses [2][26] - The interpretation allows consumers to claim punitive damages if operators abscond with funds and invalidates unfair clauses that restrict refund rights, thus facilitating a more equitable consumption environment [2][26] Group 2 - A case study involving a consumer named Ms. He highlights ongoing challenges in obtaining refunds, as she was denied a refund for a dance course she never attended, illustrating the difficulties consumers face in exercising their rights [3][4][20] - Despite the new regulations, many businesses continue to impose high fees for refunds or transfers, with some charging up to 30% of the total fee, indicating that the implementation of the new rules has not significantly changed business practices [21][25] - Legal experts emphasize that consumers have the right to reject unfair terms and can seek legal recourse if businesses fail to comply with refund requests, reinforcing the importance of consumer awareness and vigilance in prepayment transactions [26][27]
杭州网红品牌欢牛蛋糕倒闭,影视飓风数万元储值金难退
Jing Ji Guan Cha Wang· 2025-06-18 22:47
Core Viewpoint - The local bakery brand HuanNiu Cake House in Hangzhou announced its impending closure after 12 years of operation, attributing the decision to rising costs, intense market competition, and internal management failures [1] Group 1: Company Background and Operations - HuanNiu Cake House was founded in 2013 in Hangzhou by Deng Zhouhong, who initially operated a private cake shop [3] - The company received nearly $10 million in Series A funding from Shunwei Capital in 2022, which facilitated its expansion [3] - The number of new stores opened from 2021 to 2024 was 12, 15, 31, and 9 respectively, while the number of closures during the same period was 1, 1, 7, and 17 [3] - In 2023, HuanNiu Cake House had a peak of 67 stores, but projections for 2024 indicated that closures would outnumber openings [3] Group 2: Financial and Legal Issues - Prior to the announcement of closure, HuanNiu (Hangzhou) Catering Management Co., the parent company, was listed as a defendant in a court case with an execution amount of 1.1142 million yuan [2] - The company and its legal representative were restricted from high consumption due to failure to fulfill financial obligations [2] - HuanNiu Cake House claimed that these issues were related to early business debts and did not indicate bankruptcy [2] Group 3: Consumer Impact - The closure announcement directly affected consumers holding prepaid cards, with amounts ranging from tens to thousands of yuan [4] - Many consumers reported that several stores had closed and shared their experiences on social media [4] - A notable consumer, a video production company, reported losses amounting to several tens of thousands of yuan due to unredeemed prepaid cards [5] - The Hangzhou market supervision bureau has received consumer complaints and is currently following up on refund issues related to prepaid consumption [5]
预付卡背后是信任的“博弈”
Mei Ri Shang Bao· 2025-06-17 03:26
Group 1 - The core viewpoint of the articles highlights the challenges faced by the cake brand "Huan Niu Cake House," which announced its closure due to rising costs, intense market competition, and management failures, leaving consumers with prepaid cards uncertain about their value [1] - The announcement of the brand's closure came shortly after it was revealed that its associated company and legal representative were restricted from high consumption due to unpaid debts amounting to 1.2047 million yuan [1] - The situation draws parallels to the previous closure of another bakery giant, "Floating Forest," which also faced consumer trust issues related to prepaid cards [1] Group 2 - The "Anxin Pay" model introduced in Hangzhou aims to address the challenges of prepaid consumption, allowing consumers and merchants to engage in a more secure transaction environment [2] - This model includes two types of prepaid options: "prepay and enjoy later" and "enjoy now and pay later," attracting 200,000 consumers and over 4,000 merchants across various industries [2] - The "Anxin Pay" initiative has reportedly improved merchant conversion efficiency by 10% to 40%, providing a sense of security for businesses and consumers alike [2]
培训机构改变培训地点,消费者有权解除合同吗?(以案说法)
Ren Min Ri Bao· 2025-06-04 21:56
Group 1 - The core issue involves a training contract between a consumer and a company, where the consumer paid 3000 yuan for dance training, but the company unilaterally changed the training location, making it inconvenient for the consumer to attend [1] - The court ruled in favor of the consumer, stating that the company must adhere to the agreed terms of the contract and return 2473.97 yuan of the training fee due to the significant inconvenience caused by the location change [2] - The ruling highlights the importance of training location and accessibility in prepayment contracts, indicating that significant changes that increase time and transportation costs for consumers can justify contract termination [2] Group 2 - The case emphasizes the growing trend of prepaid consumption in the training industry, where consumers often choose providers based on convenience and proximity [2] - The court's decision serves as a precedent for similar cases, reinforcing consumer rights in situations where service providers alter agreed-upon terms that affect the consumer's ability to fulfill the contract's purpose [2]
预付式消费不能透支信任
Jing Ji Ri Bao· 2025-05-18 21:55
Group 1 - Prepaid consumption has become popular in various sectors such as fitness, education, and beauty services, offering convenience and discounts to consumers, but it also carries risks like service reduction, refund difficulties, and business closures [1] - The implementation of the Supreme People's Court's interpretation on civil disputes related to prepaid consumption aims to address consumer rights violations, including issues like "running away with funds" and "unfair contract terms," thereby enhancing consumer protection [1] - Strengthening regulatory and enforcement measures is essential, including the establishment of a monitoring platform for prepaid consumption that utilizes big data and cloud computing to oversee business operations in real-time [1] Group 2 - A healthy market ecosystem requires collective efforts from society, including the establishment of a blacklist sharing mechanism by industry associations and regular credit ratings for businesses to guide consumer choices [2] - Introducing third-party safeguarding mechanisms, such as a prepaid fund custody system, is crucial to ensure the safety of consumer funds, along with encouraging businesses to purchase prepaid consumption insurance for consumer protection [2] - Enhancing consumer awareness and education about prepaid consumption risks is vital, necessitating a multi-channel approach to cultivate public risk awareness [2]
办卡充值被坑?最高法司法解释:预付式消费可享七日无理由退款
Zheng Quan Shi Bao Wang· 2025-03-14 06:39
Core Viewpoint - The Supreme People's Court has issued an interpretation regarding prepayment consumption disputes, aiming to protect consumer rights and regulate unfair practices in the industry [1][2][3] Group 1: Legal Provisions - The interpretation invalidates "unfair clauses" such as non-refund policies, card loss without replacement, and restrictions on card transfers [1] - Consumers can transfer prepaid cards by simply notifying the operator, and the transfer of unlimited service cards must adhere to good faith principles [1] - Consumers have the right to terminate contracts if they face significant inconvenience due to the operator's relocation or if the operator fails to provide services as agreed [1] Group 2: Consumer Rights and Protections - Consumers are entitled to a seven-day unconditional refund period after making a prepayment, provided they have not previously received the same goods or services [2][3] - The interpretation aims to address the issue of information asymmetry in prepayment consumption, where some operators engage in misleading marketing practices [2][3] - The interpretation also allows for punitive damages against operators who collect prepayments and then evade refund requests, with potential criminal liability for fraudulent actions [2]