如今，这项服务已从教育领域延伸至健身、美容、零售等更多民生场景，实现了商家与消费者的"双 赢"。在杭州，恒丰银行"安心付"预付资金管理业务覆盖多家便民场所：消费者预付资金存入专用账户 后，银行按实际消费情况释放资金；消费者申请退卡或退款时，未使用费用可通过恒丰银行支付结算系 统快速结算退还。此举有效避免了商家闭店跑路问题，消费者复购意愿较传统模式明显增强。 家长预缴的培训费、市民办理的健身卡、街坊充值的零售会员费……预付式消费早已融入日常民生场 景。"充值享优惠"的便利背后，却暗藏商家跑路、资金难追、服务缩水等隐患，既让消费者蒙受损失， 也侵蚀着市场诚信根基。 对健身、美容等机构而言，恒丰银行预付资金管理业务使得商家能在保证资金安全的前提下，根据服务 完成情况获取稳定现金流，解决资金管理难题，同时又通过"服务换资金"的机制倒逼其提升服务质量。 在零售行业，商家通过该模式吸引消费者充值，稳定了客户群体，专用预付资金管理账户的透明化操作 也让消费者对商家更信任，进而提升消费频次。 瞄准这一民生痛点，恒丰银行以创新金融服务破局，深耕预付资金管理领域，通过"专用账户+按约释 放"的核心机制，为预付资金筑起安心屏障。 ...

Core Viewpoint - The "Prepaid Treasure" project in Jinan, Shandong, aims to enhance consumer trust in prepaid consumption while addressing the rising disputes related to prepaid services [1][2]. Group 1: Prepaid Consumption and Consumer Rights - Prepaid consumption is gaining popularity in sectors like dining, education, and beauty, but it has also led to increased consumer complaints regarding disputes [1]. - Ensuring consumer rights and building trust in prepaid spending is a key focus for stakeholders involved in the project [1]. Group 2: Role of Trust Companies - Trust companies are playing a significant role in managing prepaid funds through a trust model, which isolates consumer funds from merchants, ensuring safety and risk management [2][3]. - The trust model allows consumer funds to be held in a separate account, with disbursements made only for actual consumption, protecting consumers in case of merchant insolvency [2][3]. Group 3: Industry Growth and Challenges - Over 15 trust companies have entered the prepaid fund management space, with a growing management scale noted [3]. - The trust model is recognized as a core business encouraged by regulators, with its unique advantages over traditional banking methods [4]. Group 4: Operational Challenges for Trust Companies - Trust companies face challenges such as a lack of understanding from merchants and consumers regarding the trust model compared to traditional banking [5][6]. - Technical barriers exist, requiring significant investment in information technology to manage large volumes of transactions effectively [6]. Group 5: Profitability and Regulatory Environment - The profitability of prepaid fund management through trusts is still being explored, with a need for regulatory support to standardize practices and reduce operational costs [7]. - There is a call for a unified regulatory framework to streamline the management of prepaid funds across different regions [9]. Group 6: Innovative Management Models - Various regions are experimenting with different management models for prepaid funds, including bank custodianship and insurance guarantees, alongside the trust model [8]. - The development of digital currency and smart contracts is also being explored as innovative solutions for managing prepaid funds [8].