转自：北京日报客户端 培训机构换老板后，课程质量悄然下滑，销售人员陆续离职，最终突然关门跑路——背后并非经营不 善，而是专业诈骗。近日，上海警方破获一起"职业闭店人"合同诈骗案，打掉一个作案团伙，抓获4名 犯罪嫌疑人，涉案金额逾百万元。 近年来，在早教、健身等高度依赖预付消费的领域，"职业闭店人"不时现身，成为侵害消费者权益的顽 疾。过去，他们多以"顾问"身份出谋划策，安排"职业背债人"，帮助原经营者"金蝉脱壳"。在这起案件 中，套路再度升级，"职业闭店人"两头吃：不仅以"收购、继续经营"为幌子骗取原机构经营者的转让费 用，还以"隐瞒转让、低价赠课"为由骗取家长课时费。 形式虽翻新，内核却未变：物色目标、策划闭店，招募"背债人"、变更法人、制造假象、诱导充值…… 环环相扣，步步为营。"职业闭店"绝非正常的市场退出，而是有预谋的诈骗行径。 要铲除"职业闭店"的滋生土壤，除了加强事后惩处，更需加强事前预防，从源头精准堵住恶意逃废债的 空子。扎紧入口关，在企业股权或法人变更环节嵌入风险评估机制，对频繁接手预付类企业、无实际经 营能力的主体提高审查门槛；守住资金池，加快完善预付资金第三方存管制度，确保消费者预付款专款 ...

Core Viewpoint - The revision of the Enterprise Bankruptcy Law in China, the first comprehensive update since its implementation in 2007, aims to address the challenges faced by businesses and individuals in debt crises, promoting a more supportive legal framework for bankruptcy proceedings and debt resolution [1][5][15]. Group 1: Impact on Businesses - A well-known early education institution in Huzhou abruptly closed, affecting over 2,000 members and leaving consumers with unfulfilled course fees [1][3]. - The closure was attributed to severe impacts from the COVID-19 pandemic, leading to a significant drop in new customers and operational challenges [1][3]. - The local court established a bankruptcy restructuring center to explore proactive applications of bankruptcy procedures to resolve business debt crises [5]. Group 2: Legal and Social Implications - The stigma surrounding bankruptcy often deters business owners from seeking legal relief, as bankruptcy is viewed negatively in society [5][10]. - The bankruptcy process for the early education institution revealed that it had zero assets but owed approximately 350,000 yuan to 23 creditors, highlighting the challenges in recovering consumer funds [7][9]. - The business owner agreed to personally assume 60% of the debt, allowing for a structured repayment plan to creditors, demonstrating a potential pathway for resolution [9]. Group 3: Personal Bankruptcy and Legal Framework - The establishment of the Shenzhen Bankruptcy Court in 2019 aimed to provide a legal bridge for businesses and individuals facing debt crises, allowing for the restructuring of debts [12][15]. - The introduction of personal bankruptcy regulations in Shenzhen offers a legal avenue for individuals to seek relief from debts incurred due to business operations or personal consumption [15][17]. - The ongoing revision of the Enterprise Bankruptcy Law includes provisions for out-of-court restructuring and personal bankruptcy, reflecting a shift towards a more supportive legal environment for debtors [24][28].

Core Viewpoint - The incident involving BabyBus highlights the risks associated with third-party advertising in children's apps, raising concerns about content appropriateness and the company's responsibility in safeguarding young users [3][12][13]. Group 1: Incident Overview - BabyBus, a prominent early education app, faced backlash after inappropriate advertisements appeared during app usage, including suggestive content that is unsuitable for children [5][6]. - Users reported that the app redirected to explicit content without warning, leading to significant parental concern and criticism [5][6][8]. Group 2: Business Model and Revenue - BabyBus has historically relied on a business model that offers free content to attract users, monetizing through embedded advertisements, with over 70% of its revenue coming from ad partnerships as of its 2021 IPO [6][12]. - The app's success in attracting over 93 million monthly active users has been overshadowed by the recent advertising controversy, which has raised questions about the sustainability of its revenue model [6][12]. Group 3: Response and Future Implications - In response to the controversy, BabyBus announced the removal of the offending ads and the implementation of new technology to prevent similar issues in the future [9][10]. - However, the incident has exposed a regulatory gap in third-party advertising, suggesting that without fundamental changes to content oversight, similar issues may arise again [12][13].

Core Points - The article discusses the challenges faced by parents in Shenzhen, particularly focusing on the case of a parent, Xu Fangyu, who struggled to recover tuition fees after the early education institution, Golden Baby, abruptly closed several branches [1][2][10]. Group 1: Company Operations and Issues - Golden Baby, an early education institution, suddenly closed five stores in Shenzhen, including the flagship store where Xu Fangyu had paid over 20,000 yuan in tuition fees [1][10]. - The company operates over 400 franchise centers across nearly 150 cities in China, with franchisees independently managing their operations [10]. - There have been multiple instances of franchisees closing stores without notice, leading to significant consumer complaints and legal actions [10][12]. Group 2: Parent Experiences and Legal Actions - Xu Fangyu spent 11 months trying to recover 13,000 yuan, despite a court ruling that mandated a refund of over 20,000 yuan [2][36]. - Many parents, like Xu, initially paid large sums for tuition, often exceeding 10,000 yuan, to secure lower per-class costs [9]. - The article highlights the emotional and financial toll on parents, with some choosing to abandon their claims due to the lengthy process and lack of resources [16][19]. Group 3: Regulatory Environment - The early education sector lacks clear regulatory oversight, particularly for institutions serving children aged 0-3, leading to difficulties in consumer protection [32][35]. - Various government departments have indicated that they do not have jurisdiction over early education institutions, complicating the resolution of consumer disputes [33][34]. - New regulations are being introduced to address issues related to fraudulent business practices, such as the actions of "professional closure operators" [22][23]. Group 4: Market Dynamics and Consumer Behavior - Despite the risks, parents continue to invest in early education due to perceived benefits for their children's socialization and adaptation skills [41][42]. - The decline in birth rates has created operational challenges for early education institutions, leading to increased financial pressure and potential closures [43]. - Parents are increasingly cautious, often opting for smaller tuition packages despite the ongoing risks associated with early education institutions [39].

Core Viewpoint - The newly released policy on reducing preschool education costs has positively impacted the A-share market, particularly benefiting stocks related to childcare and early education, leading to a broad market rally in these sectors [1][3]. Group 1: Policy Impact - The central government's issuance of the "Opinions on Gradually Promoting Free Preschool Education" complements the previously announced "Implementation Plan for Childcare Subsidies," creating a policy synergy [3]. - The market reaction indicates a short-term emotional boost driven by the policy, with expectations for a positive long-term impact on the infant and child industry chain as the policies are implemented [3]. Group 2: Industry Outlook - The new policy may lead to a differentiation within the A-share education sector, where leading companies with brand advantages and course development capabilities are expected to enhance service quality and expand family childcare guidance services, potentially increasing customer spending and offering valuation recovery opportunities [5]. - The gradual implementation of free preschool education is anticipated to accelerate the release of real demand for educational resources, benefiting niche sectors such as childcare themes, educational informatization, and teacher training [5]. - Future demand is expected to increase around courses, content, services, and facilities, which may become the next investment theme in the industry [7].

先更新一下昨晚的热点事件，美股对报价系统的错误进行了修复，下跌99.99%的伯克希尔股票价格被恢复，并在1个半小时后重新交易。至于之前错误价 格发生的交易全部被取消，数据回滚，所以那些捡漏到185美元股票的人也没能发财，镜花水月，一场空欢喜。 | 自克希尔哈撒韦 A 均价:574389.833 最新:185.100 | + 0 % | | --- | --- | | 1254615 | 99.97% | | 1097811 | 74.98% | | 941007 | 49.99% | | 784204 | 24 99% | | 714031 | 13.81% | | 627400 | 0.00% | | 470596 | 24.99% | | 313793 | 49.99% | | 156989 | 74.98% | | 185.100 | 99.97% | | 1194 | 1194 | | 796 | 796 | | 398 | 398 | | 0 | 0 | …… 今天a股延续了昨天的风格，所有的大盘指数都上涨，表现最好的创业板指上涨1.33%，但两市的中位数却下跌0.66%，6成股票泛绿。 目前市场正 ...