（来源：广州金融） 近日，在政府职能部门指导下，广州市消费预付资金监管平台"广信预"正式上线职业培训资金监管业务 板块，该监管板块聚焦民办职业培训机构预付学费监管问题，旨在以数字技术破解行业长期存在的"退 费难"、"机构跑路"等痛点，为学员和合规民办职业培训机构构建更透明、更可靠的培训消费环境。 近期广州市人力资源和社会保障局出台了《关于加强广州市民办职业培训机构预付费资金监管的通 知》，该通知明确，为防范预付费风险，保护消费者权益，将采用广州市预付式消费资金监管平台"广 信预"（以下简称"监管平台"），对全市民办职业培训机构预付费资金进行全面监管。各民办职业培训 机构应通过"广信预"微信小程序或APP接入监管平台，进行机构备案、同步预付消费数据，通过智能合 约实现预付资金"一笔一清、实时清算"的资金存管。 广州市人力资源和社会保障局明确，各区人社部门倡导和指引本行政区域内培训机构通过"广信预"APP 或微信小程序，按要求上传办学许可证、法人登记证书等资质资料，完成在监管平台注册，并开通监管 平台资金存管专用账户。各区人社部门通过监管平台对培训机构提交的资料进行审核后，由监管平台对 培训机构信息进行发布。培训 ...

Core Viewpoint - The emergence of the "Guangxin Yu" platform aims to address the prevalent issues in prepaid consumption, enhancing consumer confidence and ensuring the safety of prepaid funds through digital currency technology [1][3]. Group 1: Platform Overview - The "Guangxin Yu" platform was launched at the 14th China (Guangzhou) International Financial Trading Expo, developed by Guangzhou Digital Technology Group in collaboration with state-owned banks [1]. - The platform utilizes digital RMB and smart contract technology to create a closed-loop management system for prepaid funds, ensuring real-time settlement and security for consumers [3][4]. Group 2: Consumer Benefits - Consumers retain ownership of prepaid funds until the moment of consumption, with smart contracts automatically executing payments based on predefined conditions [3]. - In cases of merchant bankruptcy or service cessation, the platform guarantees the safe return of prepaid funds to consumers [3][4]. Group 3: Merchant Advantages - Merchants benefit from zero withdrawal fees and low-interest financing products provided by banks, reducing operational costs and enhancing payment efficiency [4]. - The platform's smart contract controls all prepaid funds, effectively eliminating the risk of fund misappropriation [4]. Group 4: Collaborative Ecosystem - The platform aims to establish a collaborative ecosystem involving government, banks, enterprises, and consumers, driving digital transformation in industry governance [4]. - The initiative is expected to contribute to Guangzhou's goal of becoming an international consumption center, stimulating market vitality and promoting social stability [4].

Group 1 - The 14th Financial Expo opened on June 26, featuring the launch of five new financial platforms, notably the digital RMB "Guangxin Yu" prepayment consumption guarantee service platform [1] - The "Guangxin Yu" platform is developed through collaboration between the People's Bank of China, Guangzhou Digital Technology Group, and banking institutions, utilizing the digital RMB APP "Yuan Manager" for prepayment fund management [1] - The platform addresses core issues in the prepaid consumption market by employing digital RMB smart contract technology to create a closed-loop management mechanism for prepaid funds, ensuring real-time clearing and safety of consumer funds [1] Group 2 - For merchants, the "Guangxin Yu" platform offers zero-fee withdrawals and interoperability with other mainstream payment platforms, while banks provide low-interest financing products to reduce operational costs [2] - All prepaid funds are controlled by smart contracts, effectively eliminating the risk of fund misappropriation and providing robust technical support for efficient and precise social governance by government departments [2] Group 3 - The digital RMB foreign currency exchange machine supports instant exchange of over 20 foreign currencies, enhancing the payment experience for foreigners in China [3] - The machine has been widely deployed in major airports and hotels, achieving a market share exceeding 90% and facilitating seamless cash access upon arrival [3] - The integration of AI, virtual reality, and big data technologies into banking services is exemplified by the AI digital human front desk machine, which improves service efficiency and customer satisfaction [3]