合肥市近日推出的"预付宝"，将消费者办理会员卡的预讨资金直接划入银行监管账户，实现"消费一笔、划转一笔"的机 制，消费者还可以实时查询余额与消费记录。这一由政府主导、基于数字技术的社会治理创新，既为消费者设立了一个 预付资金的"保险箱"，也显示政府角色正从事后补救的"消防员"，转变为主动构建市场信任生态的"护航员"。这种角色 的转变，为互联网时代政府优化营商环境、提振消费信心提供了新思维和新路径。 扩大内需、提振消费已成为我国增强经济内生动力的重要举措之一，这就必须首先解决类似预付式消费风险这样的具 体"痛点"。目前，预付式消费乱象主要集中在餐饮、健身、教育培训等刚需领域，其不仅直接打击了消费者个体的消费 意愿，更破坏了行业竞争环境、扰乱了市场秩序，进而严重侵蚀了整体的消费信心。合肥推出"预付宝"的创新实践提示 我们：在互联网时代，要优化消费环境，政府就必须深化与数字治理的有机融合，以治理智慧的"小切口"来破解消费领 域的"大问题"。政府角色应从"消防员"转为"护航员"，如此才能用精准的监管筑牢信任的防线，从而培育出更具韧性、 更富活力、也更值得信赖的消费新生态，为扩大内需、提振消费提供坚实的支撑。 合肥经开 ...

Core Viewpoint - The "Prepaid Treasure" initiative aims to enhance consumer protection in prepaid transactions, providing a secure platform for both consumers and merchants in Jinan City [1][4]. Group 1: Event Overview - The "Prepaid Treasure" promotional launch event took place on August 30, organized by the Consumer Association and Market Supervision Bureau of Shanghe County, attracting significant public participation [1]. - The event featured four distinct functional areas designed to educate and engage citizens about the new prepaid consumption protection model [2]. Group 2: Consumer Engagement - A demonstration area showcased the "Prepaid Treasure" platform, with promotional videos and staff explaining the mechanisms to prevent prepaid consumption risks [2]. - An interactive quiz segment increased public engagement, allowing citizens to learn about prepaid consumption safety in a fun environment [2]. Group 3: Merchant Participation - Over 15 new merchants signed up for the "Prepaid Treasure" program during the event, indicating growing acceptance of this consumer protection model [3]. - Merchants reported increased customer trust and willingness to recharge after joining the "Prepaid Treasure" platform, highlighting its value [2]. Group 4: Consumer Protection Measures - A consumer rights consultation desk addressed public concerns, with staff providing detailed answers on prepaid card disputes and consumer rights [4]. - The initiative aims to reduce risks associated with merchants misusing prepaid funds and enhance the overall market environment [4]. Group 5: Future Plans - The Market Supervision Bureau plans to expand the "Prepaid Treasure" initiative through various outreach efforts, aiming to increase its coverage and societal impact [5].

Group 1 - The core initiative is the launch of the "Jinan 'Prepaid Treasure' in Business Circles" promotional event aimed at enhancing consumer confidence in prepaid transactions [1] - The "Prepaid Treasure" platform is a collaborative effort by the Jinan Market Supervision Administration, Industrial and Commercial Bank, National Trust, and Alipay, designed to provide a secure and transparent prepaid consumption experience [3] - The platform ensures that prepaid funds are fully controllable, the consumption process is transparent and traceable, and refunds are guaranteed in case of store closures, effectively adding a "safety lock" to consumer funds [3] Group 2 - The promotional event features quality merchants from various popular sectors such as fitness, beauty, education, and dining, offering exclusive discounts and gifts to consumers who purchase cards or recharge on-site [3] - Merchants participating in the platform benefit from financial supervision and credit support, with banks providing financing assistance to alleviate cash flow pressures [3]

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].