平时去商场购物消费，是否经常被店员推销办会员、充费用？现实生活中，预付式消费方式已经非常普 遍，常见于教育培训、运动健身、美容美发、餐饮零售、生活服务等众多消费场景。这种消费模式，在 为消费者带来优惠和便利的同时，也有助于经营者快速回笼资金、进一步拓展市场，理论上应是一种健 康可持续的经济形态。 然而，近些年来，有关预付式消费的维权案例开始攀升，"卷款跑路""服务缩水""退款无门"等问题日益 突出，成为侵害消费者合法权益、扰乱市场秩序的一大治理难题。当前，北京市政协十四届四次会议正 在召开，不少委员就重点关注了预付式消费乱象，并就开展预付式消费治理提出意见建议。 李杨薇委员： 监管、接诉等部门联动，及时预警高风险商家 她建议，相关职能部门联手打通数据链路，实现商家资质审核、资金存管、投诉处理等信息的实时共 享。在此基础上，对商家实行风险分级管理并动态调整，结合涉及投诉举报情况开展执法检查，及时针 对"高跑路风险"商家启动预警、实施限制性措施。 同时，要通过正向激励措施推动行业诚信自律。联合行业协会建立商家信用评级，引入消费者评价机 制，针对规范经营、长期保持良好信用的商家推出税收减免、贷款降息等方面优惠性支持 ...

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].

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].

Core Viewpoint - The event "Assured Consumption in Beijing: Consumer Rights Guaranteed" marks a proactive exploration of market-oriented reforms in the prepaid consumption sector, aimed at boosting consumer confidence and creating a secure consumption environment [1] Group 1: Regulatory Framework - Beijing has introduced the "Beijing Single-Purpose Prepaid Card Management Regulations" to address issues in the prepaid consumption sector, enhancing the supervision of prepaid funds across various industries such as education, culture, technology, commerce, and sports [1] - The capital's market regulatory authorities are collaborating with consumer associations to explore new scenarios and models in the prepaid consumption sector, encouraging platform enterprises to take social responsibility [1][2] Group 2: New Product Offerings - Meituan has launched the "Assured Consumption Series" prepaid products specifically for the education, fitness, and beauty sectors, designed to address refund difficulties while complying with the relevant fund custody regulations [2] - The new product model includes "online ordering and per-use/month redemption," providing consumers with a "flexible payment, store closure, platform compensation" guarantee, ensuring that consumers are compensated in case of store closures [2] Group 3: Consumer Awareness - The Beijing Consumer Association emphasizes three key points for consumers engaging in prepaid consumption: rational spending, careful contract signing, and timely resolution of disputes [3] - Consumers are advised to avoid impulsive purchases, be cautious of verbal promises from merchants, and to clarify refund terms in contracts to prevent economic losses [3]