Core Viewpoint - The article highlights the deceptive practices of certain skill training institutions that lure consumers with promises of high-paying jobs and flexible payment options, ultimately leading to financial disputes and complaints related to "training loans" [1][5][12]. Group 1: Consumer Complaints and Trends - In the first half of 2025, consumer complaints received by national consumer associations totaled 995,971, marking a year-on-year increase of 27.23% [2]. - The financial services category saw a significant rise in complaints, with 7,564 cases reported, up from 1,882 in the same period of 2024, indicating a shift in consumer concerns [4][5]. - The education and training services category accounted for 44,126 complaints, representing 4.43% of total complaints, an increase from 3.92% in the previous year [3][4]. Group 2: "Training Loan" Scheme - The "pay after learning" scheme is identified as a method to induce loans, where institutions promote the idea of "part-time jobs to repay loans," misleading consumers into signing loan agreements without full awareness [1][5][12]. - Many consumers, particularly students, are misled by false promises of guaranteed income and are often unaware of the loan applications they are signing [5][12]. - Complaints reveal that institutions often provide vague contract terms, making it difficult for consumers to understand refund conditions, leading to high penalties for contract termination [5][12]. Group 3: Regulatory Insights - Regulatory bodies have previously warned consumers about the "training loan" traps, emphasizing the need for awareness regarding high-interest loans tied to training programs [12][14]. - The National Financial Supervision Administration has mandated that financial institutions improve consumer rights protection and transparency in loan agreements [14][16]. - The warning signs of "training loan" traps include false promises of job placement, bundled loans without clear disclosure, and hidden fees that exceed initial expectations [13][14].

Group 1 - The core viewpoint emphasizes the importance of adopting a "pay after learning" model in training institutions to alleviate the financial burden on parents and students [1][2] - Guangdong Province has implemented measures to regulate off-campus training, enhancing the quality of education resources available to students [1][2] - The "pay after learning" model aims to address long-standing issues of refund difficulties and financial misconduct in the training sector, ensuring consumer rights are protected [2] Group 2 - In 2023, multiple government departments in Guangdong jointly developed a plan to encourage the adoption of the "pay after learning" model, with a goal of significantly increasing the number of institutions using this model over the next five years [2] - Over 5,000 training institutions in Guangdong have adopted either the "pay after learning" or digital currency payment models, with total transaction amounts exceeding 20 billion [2] - Zhuhai City has established a mediation center for training disputes, utilizing a collaborative approach involving various stakeholders to provide legal support and conflict resolution services [3] Group 3 - Zhuhai is exploring a new "credit + regulation" model for non-academic training institutions, incorporating a credit rating system to promote industry standards and accountability [4] - The credit system involves voluntary participation from institutions, third-party evaluations, and a comprehensive regulatory framework to enhance the overall governance of the training sector [4]