Core Insights - The "Guangxin Pre" prepaid fund supervision platform was launched on October 11, with strategic agreements signed with six industry regulatory departments in Guangzhou [1][4] - The platform currently has 209 merchants registered, covering various aspects of daily consumer spending [1] Group 1: Platform Features - The platform allows consumers to purchase prepaid products such as annual cards and multiple-use cards through real-name authentication [1] - It utilizes the digital RMB management template from the People's Bank of China, implementing smart contract technology for real-time clearing of prepaid funds [4] Group 2: Collaboration and Ecosystem - "Guangxin Pre" aims to create a collaborative governance ecosystem involving government, banks, enterprises, and citizens [4] - The platform has established communication mechanisms with various industry regulatory departments and has partnered with over ten financial institutions, including Agricultural Bank of China and China Construction Bank [4] Group 3: Application Areas - The platform is expanding its application in key sectors such as childcare, vocational training, elderly care, retail dining, cultural tourism, gas stations, and sports fitness [4]

记者体验了"广信预"微信小程序，通过实名认证登录，消费者可在平台上选购入驻商家的年卡、多次卡 等预付产品。预付资金显示在消费者的"监管资金"账户中，消费记录一目了然。 当消费者向商户支付时，预付资金将由"元管家"产品提供保障，并进入加载智能合约的数字人民币钱包 中，以保证资金的安全；消费时，智能合约将依据预设条件计算应付金额，并从钱包中自动执行资金划 转至商户钱包。没有消费的资金则继续存管在消费者的钱包内，一旦商户出现破产、卷款跑路、停止服 务等异常经营情况，智能合约将保障预付资金安全退还。如果消费者有退款需求的，则可以依照消费者 和商户的合约约定，消费者可以直接发起退款，只要满足退款条件，资金也是即刻投入到消费者的账 户。 "充值健身卡后遭遇商家卷款跑路""美容院办卡后资金安全难以保障""店铺闭店后剩余费用拒不退 还"……在预付式消费愈发普及的当下，这些担忧早已成了老百姓心头挥之不去的"刺"。 10月11日，广州预付费资金监管平台"广信预"宣布上线，将"事后救火"扭转为"事前监管"，通过把商户 备案、合同签署、资金存管、风险预警这些关键环节串起来，打造全链条监管闭环，既为消费者预付资 金加装"安全锁"，也为 ...