Group 1 - The travel photography industry is facing significant risks due to a prevalent prepayment model, where consumers pay upfront for services that may not be delivered, leading to financial losses for over 200 consumers in a recent case [1][2] - The prepayment model is attractive to consumers due to discounts and package deals, but it exposes them to the risk of businesses disappearing or failing to deliver services after receiving payment [1][2] - The industry has low entry barriers, allowing businesses to operate without stringent qualifications, which increases the likelihood of fraudulent activities [2] Group 2 - To address these issues, a comprehensive protection mechanism is needed, including pre-warning systems, regulatory oversight, and post-transaction rights protection [3][4] - Utilizing enterprise credit data tools, such as Qichacha, can help consumers assess the credibility of travel photography businesses before making payments, potentially preventing financial losses [3] - Regulatory bodies can leverage real-time data from credit platforms to establish risk warning models, enabling early intervention when businesses show signs of distress [3] Group 3 - Implementing mandatory fund escrow arrangements can protect consumer prepayments by ensuring that funds are only released to businesses as services are rendered [4] - Standardized contract templates should be developed to clarify service details, breach penalties, and refund policies, reducing the risk of consumer exploitation [4] - A combination of credit regulation and technological support is essential to create a safer environment for consumers in the travel photography sector, transforming it into a more reliable and trustworthy industry [4]