The merchant closed after receiving the prepaid, and the members requested that the refund incident occurred from time to time.Shenzhen has recently carried out pilots in digital RMB prepayment applications. Through the official service platform, the management of such funds has been strengthened to solve the long -term problems faced by the field in terms of supervision and guarantee.
The public interviewed believes that if the pilot is successfully implemented, it will effectively improve consumer confidence.However, some people point out that whether the plan is successful or not depends on the popularization of digital RMB, and the official promotion in this regard still needs to be strengthened.
Shenzhen Market Supervision Bureau, the People's Bank of China Shenzhen Central Branch and other units, in late June, held a pilot promotion launching ceremony in the prepaid management field.This is another measure of Shenzhen's cracking prepaid operation. It is the first case in China.
The so -called prepaid consumption refers to consumers paying for merchants in advance, and then obtaining services on time or on schedule.Many industries have widely used this payment model to increase customer reservation rates, return funds, and solve the problem of shortage of funds.However, when the operator suddenly stopped business, it was difficult for customers to recover the refund and make consumer disputes frequently.
Digital RMB is the legal currency of digital forms issued by the People's Bank of China since 2019.Shenzhen introduced digital RMB pilots in the prepaid business governance. It aims to strengthen the management of prepaid funds through consumers, merchants and digital RMB operating institutions to load smart contracts for prepayment funds.
In short, it is to write prepaid clauses into smart contracts, and merchants cannot transfer consumer prepaid funds at will. Before actual consumption, prepaid funds are still frozen and effectively protect consumer funds.
Shenzhen last year related prepaid consumption complaints accounted for 25%of the total complaints
In recent years, Shenzhen's complaint cases on prepaid consumption have continued to rise, making it more urgent to use affordable prepaid applications.According to the data of the Shenzhen Consumer Council, Shenzhen 2022 The annual prepaid consumer complaints were about 44,000, accounting for 25%of the total complaints.This number increases by about 50%over 2020, mainly involving education and training, fitness services, beauty, hairdressing, catering services and other industries.
One trillion Wade, a large fitness chain, is currently facing such complaints.Due to the financial dilemma, the company has frequently suspended news in many gyms in Shenzhen in recent months, and many members have no refund.When the reporter visited one of the stores, it was found that the gym door was blocked, and there was no one in the store.
Mr. Mu joined a gym at the Shenzhen Ping An Financial Center two years ago.In an interview with Lianhe Morning Post, he pointed out that he had paid more than 200 private teaching lessons in advance before, and so far he only took six lessons, and lost about 150,000 yuan (RMB, Same as S $ 28,000).He estimates that there are hundreds of affected members. Many people have tried to call the police to protect their rights, but they do not have much hope to recover this money.
Mr. Mu expressed his support and expectations for the pilot application of digital RMB prepaid applications and believes that this will improve the guarantee for consumers.But he is also worried that some industry players will not follow this prepaid model, and digital RMB has not been widely used, and will greatly limit the effectiveness of the plan.
He said: "Many merchants and consumers have not used digital RMB now. Officials must strengthen the promotion work so that it can be a standard for prepaid consumption to fundamentally solve the problem."
Hao Zhiqiang, a member of another member who lost nearly 4,000 yuan in the one trillion Wade storm, said that the problem of prepaid consumption actually destroyed the confidence of many consumers.Hosting down.
Tang Yinuo, assistant professor of management at the HSBC Business College of Peking University, judged in an interview that the digital RMB's prepaid application platform will play a third -party protection mechanism, which will play a certain role in solving the problem of prepaid consumption.However, he pointed out that when facing new technologies and changes, merchants always "have policies and countermeasures", and officials must continue to be updated in terms of supervision and regulations to cope with market changes.
In the face of prepaid consumer disputes, the industry third -party regulatory authorities in the operating venue must play the role of intermediate people from time to time to mediate.
Tang Yinuo said that because digital RMB adopts centralized management, transactions will become more efficient and convenient under the premise of ensuring funds.When the prepaid application is large -scale, the other industries do not need exclusive departments to handle these complaints to reduce the cost required by regulatory supervision.
