2月6日，"活力彭州·预付无忧—安心消费节"在成都彭州百里一·龙兴集启幕。活动通过"政府搭台、行业联动、全民参与"，向广大市民推介了"成 都预付式消费综合服务平台"（以下简称"预付保"）。 记者在现场了解到，该平台由市地方金融管理局牵头，会同相关行业主管部门共同建设推广，运用智慧化手段，创新"差额监管"模式，通过银行 存管、订单投保等方式，积极构建"惠民生、促发展、防风险"的预付消费新生态。这正是成都市委、市政府聚焦民生痛点，开展优化消费环境、 加强预付式消费领域突出问题专项整治的生动实践。 "之前给孩子报班预付学费，总担心机构经营不稳定，现在通过'预付保'付款，我不再担心资金被挪用的问题。而且平台还引进了保险，万一商家真出了问 题，我最高能拿回70%的消费余额赔付。现在消费起来放心多了。"带孩子参加活动的市民表示。这正是"预付保"平台为消费者建立信任机制的核心价值 ——通过技术手段化解预付消费中的资金安全顾虑。 "预付式消费在便利生活的同时，也伴随着资金安全风险、合同陷阱和商家失信等问题，成为近年消费投诉的热点、难点。"成都市保护消费者权益委员会秘 书长康鸿跃表示，"预付保"平台将有效监管企业、商家，保护消 ...

Group 1: Proposal Work Overview - The Changsha Municipal Political Consultative Conference reported a total of 499 proposals collected and 425 proposals officially filed since the last meeting, all of which have been addressed by the end of November 2025, contributing to the development and public welfare in Changsha [1][2][3] Group 2: Focus on High-Quality Development - A total of 184 proposals were made focusing on high-quality development and modernization, with 166 officially filed, emphasizing the creation of an AI application city and the promotion of low-altitude economy innovation [2][3] - Recommendations include building high-energy innovation platforms, fostering digital economy clusters, and accelerating the transformation of scientific research achievements from universities [2][3] Group 3: Enhancing Public Services and Welfare - 170 proposals were centered on improving public services and social welfare, with 151 officially filed, focusing on enhancing education quality and cultural development [3][4] - Suggestions include integrating vocational education with industry needs and improving community services for the elderly [3][4] Group 4: Urban Governance and Environmental Sustainability - 145 proposals were aimed at urban governance and social operation efficiency, with 108 officially filed, addressing urban-rural integration and enhancing city safety measures [5][6] - Recommendations include promoting green transportation and energy transition, as well as improving urban drainage management [5][6] Group 5: Future Proposal Work Strategy - The Municipal Political Consultative Conference plans to enhance proposal quality and effectiveness by focusing on in-depth research and practical recommendations, ensuring alignment with the city's development goals [6][7] - Emphasis will be placed on collaborative efforts and effective implementation of proposals to ensure actionable outcomes [6][7]

Core Viewpoint - The article highlights the emergence of "professional closure" scams in industries reliant on prepaid consumption, revealing a sophisticated scheme that exploits both business owners and consumers, leading to significant financial losses and undermining market integrity [1][4]. Group 1: Scam Mechanism - The "professional closure" scheme involves acquiring businesses under false pretenses, where scammers pose as buyers to collect transfer fees from original owners while simultaneously deceiving consumers into paying for classes that will never be delivered [1][4]. - The operation includes a series of coordinated steps: identifying targets, planning closures, recruiting "debt bearers," changing legal entities, creating false appearances, and inducing consumers to recharge [1][4]. Group 2: Regulatory Gaps - The article points out existing regulatory loopholes in prepaid consumption oversight, corporate registration reviews, and accountability mechanisms, which allow such scams to proliferate [4][5]. - The transformation of company registration into a tool for evading debts and the use of nominal legal entities as shields against liability are highlighted as critical issues that damage consumer rights and erode market trust [4]. Group 3: Prevention and Consumer Awareness - To combat "professional closure," the article emphasizes the need for stronger preventive measures, including risk assessment mechanisms during corporate ownership changes and enhanced scrutiny of entities frequently acquiring prepaid businesses [5]. - It advocates for the establishment of third-party escrow systems for prepaid funds to ensure that consumer payments are used appropriately and not misappropriated [5]. - Consumers are urged to remain vigilant against enticing offers and to prioritize businesses with good reputations and transparent financial practices, while also retaining documentation for legal recourse [5].

Core Viewpoint - Gansu Province's Baiyin City Huining County People's Procuratorate has established a "digital empowerment + public hearing + procuratorial suggestion" work model to enhance supervision in the prepaid consumption sector, effectively addressing prominent issues in prepaid card consumption and strengthening the "safety defense line" for prepaid consumption [1] Group 1: Digital Empowerment and Supervision - The Huining County Procuratorate utilizes a big data legal supervision model to identify 117 merchant entities issuing prepaid cards across various industries [1] - A coordination mechanism between municipal and county-level procuratorial agencies has been established to trace complaint data online and conduct offline investigations [1] Group 2: Consumer Rights Protection - Investigations revealed that 50 merchants engaged in practices such as "passing the buck" after store transfers and high-value deductions from gifts, which severely harmed consumer rights [1] - A public hearing was organized with participation from administrative departments to discuss the necessity of strengthening supervision over prepaid consumption [1] Group 3: Regulatory Recommendations - The Huining County Procuratorate issued procuratorial suggestions to administrative departments addressing issues like unregistered prepaid cards and lack of risk prevention mechanisms [1] - The aim is to establish a comprehensive regulatory closed loop covering card issuance registration, fund supervision, dispute resolution, and refund guarantees [1]

Core Viewpoint - The article highlights the proactive measures taken by the Futian District to regulate prepaid consumption, resulting in a decrease in disputes and an improved consumer environment. Group 1: Regulatory Framework - Futian District has established a cross-departmental regulatory system to address long-standing challenges in the prepaid consumption sector, involving various stakeholders such as law enforcement and market supervision [2] - The district has implemented compliance guidance and joint inspections across 21 industries to enhance regulatory precision and ensure that businesses operate within legal frameworks [2] Group 2: Risk Management Mechanism - A dynamic risk identification mechanism has been developed to preemptively address potential issues in prepaid consumption, utilizing digital tools for effective monitoring [3] - The district has shifted from reactive to proactive risk management by monitoring rental and utility payment statuses of businesses, allowing for early intervention [4] Group 3: Financial Security Measures - Futian District is promoting a diversified financial security ecosystem for prepaid consumption, including the adoption of digital currency to enhance consumer protection [5] - The introduction of the "Anxin Consumption" product by Meituan allows for traceable transactions and refunds, ensuring better oversight of prepaid funds [5] Group 4: Consumer Education and Awareness - Comprehensive educational campaigns have been launched to promote compliance among businesses and rational consumption among consumers, utilizing various media channels to reach over 50,000 consumers [6] - The district's initiatives reflect a commitment to enhancing consumer rights and modernizing grassroots governance in a large city [6]

Core Viewpoint - The article discusses the increasing issues related to prepaid consumption in various sectors, highlighting the need for regulatory measures to protect consumer rights and ensure a fair market environment [1][3][5]. Group 1: Regulatory Actions - Chengdu's relevant departments, including the Education Bureau and Health Commission, are set to implement action plans to address the issues in prepaid consumption, aiming to establish a long-term regulatory mechanism [1][5]. - A new platform called "Chengdu Prepaid Protection" will be launched to build trust between consumers and businesses, facilitating better oversight of prepaid funds [1][7]. Group 2: Consumer Protection Measures - The Supreme People's Court has issued legal guidelines for handling prepaid consumption disputes, effective from May 1, to provide clarity for consumers and businesses [5]. - The Chengdu government will introduce specific measures targeting various sectors, including education and fitness, to promote sustainable industry development and protect consumer interests [5][9]. Group 3: Market Regulation Strategies - The initiative will involve multiple strategies, including the establishment of a comprehensive service platform for prepaid consumption, enhancing contract regulation, and improving dispute resolution channels [7][9]. - Regular monitoring and early warning systems will be implemented to detect potential risks in the market, along with increased exposure of non-compliant businesses [9].

Core Viewpoint - Meituan launched the "Anxin Study" program in Wuhan to enhance consumer confidence in prepaid education services by offering flexible payment options and refund guarantees [6][8][10] Group 1: Program Overview - The "Anxin Study" initiative allows consumers to purchase short-term course packages with a pay-per-class model, ensuring funds are held in a regulated account until services are rendered [6][9] - Over 20,000 educational institutions across more than 200 cities have joined the "Anxin Study" program, offering over 40,000 courses [8] Group 2: Consumer Protection Measures - The program addresses issues of prepaid consumption disputes, which have been prevalent in the education sector, by implementing a transparent and controllable payment system [9] - Refund policies are in place for consumers if institutions fail to deliver services or if they are dissatisfied after partial use [6][9] Group 3: Institutional Support - Meituan provides various support measures for participating educational institutions, including resource assistance, commission discounts, and marketing support to help reduce customer acquisition costs [7][8] - The initiative aligns with local government efforts to enhance the safety of prepaid funds in the education sector, contributing to a broader regulatory framework [8][10] Group 4: Market Impact - The "Anxin Study" program is expected to serve as a model for prepaid consumption safety across various industries, including fitness and beauty, by establishing a replicable framework for consumer protection [8][10] - The program has already shown positive results for participating institutions, with significant increases in customer inquiries and conversion rates [9]