暑期是旅拍行业的旺季，朋友圈里晒旅行美照的人多了，可最近浙江杭州的李女士却犯了愁——她一个 月前在某知名网红旅拍机构预付了7800元拍摄套餐费，结果上周到店取片时，发现门店已人去楼空，客 服电话打不通了。和李女士一样遭遇的消费者有200多人，涉及金额超百万元。 这并非孤例。近年来，从婚纱摄影到亲子跟拍，从旅拍写真到"打卡式"旅摄服务，"先付定金后拍摄取 片"的预付模式在旅拍行业大行其道。商家以"套餐优惠""限时折扣"为诱饵，诱导消费者一次性支付数 千元甚至上万元；而一旦资金链断裂、商家跑路，消费者往往面临"钱货两空"的困境。更棘手的是，这 类纠纷常因合同模糊、证据不足、维权成本高，陷入"投诉无门"的僵局。 旅拍行业的预付消费为何成了"风险灾区"？ 据业内人士分析，其一，旅拍服务链条长、资金沉淀久。不同于超市充值卡，旅拍服务往往涉及前期沟 通、拍摄档期、后期修图等多个环节，资金从预付到实际服务可能间隔数月，商家有充足时间挪用资 金；其二，信息高度不对称。消费者难以知晓商家的真实经营状况——是靠自有资金运营，还是靠"拆 东墙补西墙"维持？是否存在多起未披露的投诉？这些关键信息，普通消费者根本无从掌握；其三，行 业 ...

Core Viewpoint - The introduction of monthly gym memberships in Jinan provides consumers with more flexible payment options, addressing concerns over prepayment risks associated with annual memberships [3][10]. Group 1: Monthly Membership Options - Many gyms in Jinan now offer monthly memberships alongside annual and seasonal options to cater to diverse customer needs [4][5]. - GT Gym offers monthly memberships priced at over 600 yuan, while another location offers a monthly rate of 399 yuan, with installment options available for annual memberships [5]. - Latte Gym provides a monthly membership for 299 yuan, with a continuous monthly option at 180 yuan, contingent on a 12-month commitment [7]. Group 2: Prepayment Security Measures - The "Jinan Prepayment Treasure" initiative was launched to enhance the security of prepaid consumer funds, with 15 gyms participating in this program [10][12]. - The program ensures that consumer funds are monitored by a platform, releasing payments to merchants as services are rendered, while also allowing merchants to apply for loans based on prepaid funds [10][12]. - As of May 25, 2185 businesses have successfully joined the "Jinan Prepayment Treasure," including 15 in the fitness sector [12]. Group 3: Government and Market Regulation - The Jinan market supervision authority encourages businesses to join the "Prepayment Treasure" platform to implement trust-based regulation for prepaid consumption [15]. - The introduction of monthly memberships is a strategic decision by businesses, with no mandatory requirements imposed by government authorities [15].