Clarify the "supervision account" and resolve the "long-standing difficulties" of prepayment

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The beauty shop closed and closed, the gym was transferred, and the training institutions ran away with their money... In recent years, consumption disputes caused by similar phenomena have made people criticize the prepaid card consumption mode. Chaoyang District of Beijing has thoroughly implemented the relevant provisions of the Regulations of Beijing Municipality on the Administration of Single Purpose Prepaid Cards, and has taken the lead in introducing a series of effective prepaid card consumption supervision measures such as the Work Plan of Chaoyang District of Beijing Municipality on the Administration of Prepaid Cards, so that the masses can have a better base in the prepaid consumption process center. (Reported by China Consumer News on September 7)

Prepaid card consumption involves a wide range of industries, many business entities, and is closely related to the daily consumption life of residents. The resulting consumer complaints are numerous and influential, which is an urgent concern of the people. In the first half of this year, the China Consumer Association's complaint analysis report showed that the prepaid card business model currently covers a wide range of consumer areas, and the amount of consumer funds absorbed has doubled, becoming one of the main risk sources of consumer rights infringement. Taking Jiangsu Province as an example, in the first half of this year, the provincial Consumer Insurance Commission system received 1340 prepaid card consumer complaints, 41757 public opinion information related to prepaid card consumer complaints, and the number of prepaid card consumer complaints attracted attention.

What the people expect, what the government wants. In order to solve the problem of people's livelihood caused by prepaid card consumption and eliminate the consumer doubts in the minds of the masses, Chaoyang District of Beijing has innovated the supervision mode, clarified the "supervision account book" of the competent departments in various industries, let prepaid card consumption complaints not only be managed, but also be managed effectively, and found a successful path to systematically solve prepaid card consumption disputes, which is worth learning from everywhere.

Build a perfect prepaid card consumption supervision mechanism, and solve the primary problem of prepaid card consumption disputes. Some prepaid card consumer business entities do not have a clear industry competent department, and some business entities belong to the field of multi sectoral cross management. The rate of work order refunds and wrong orders that accept such consumer complaints is high, and they often fall into the dilemma of no supervision. The policy documents formulated by Chaoyang District, such as the Work Plan for Prepaid Card Management in Chaoyang District, Beijing, the Manual for the Supervision of Single purpose Prepaid Cards in Chaoyang District, and the General Rules for the Management of Single purpose Prepaid Cards in Chaoyang District, list the key contents of the management departments for prepaid card business, including the list of responsibilities, the benchmark for administrative punishment, and the flow chart for administrative law enforcement, It provides a clear reference for all departments to carry out the supervision of prepaid cards according to law.

Build a closed-loop supervision system for prepaid card consumption, and aim at the management focus of prepaid card consumption disputes with all-round and full process supervision. In advance, how can the regulatory authorities effectively perform their regulatory duties when high-risk business entities carry out prepaid card consumption or renew cards for consumers? In the event, how can the regulatory authorities carry out administrative mediation and supervision and law enforcement in the face of such standard contract terms as "no refund for the commencement of courses", "no refund for unauthorized termination"? After the event, what are the standard handling procedures of the regulatory authorities for actions that are likely to lead to collective complaints, such as "thunderbolt escape" and debt transfer? There are 1 district level work plan, 12 industry competent departments, 15 work sub plans, and a complete "1+N" plan system. Chaoyang District, Beijing, relying on intelligent supervision, credit supervision and double random supervision, has formed a penetrating closed-loop supervision system for prepaid card consumption.

We found a "key" to solve the problem of fund custody, and closed the "back door" for merchants to run away with malicious money. While consumers enjoy preferential treatment and discount, the funds delivered in advance have greater security risks, which has become a chronic disease in prepaid card consumption disputes. Chaoyang District has used blockchain technology to establish a "prepaid housekeeper" fund storage platform, where the platform grasps the information flow, and banks and business entities grasp the cash flow. Under the joint checks and balances of the three parties, consumers can feel at ease in the flow of prepaid funds.

In the face of prepaid card consumption, the relevant regulatory authorities should not only manage it well, but also manage it scientifically, rationalize the regulatory responsibilities of the competent departments, and constantly improve the governance ability and level, so that the masses can enjoy benefits and convenience, and also feel at ease in consumption. (Xu Wenzhi)

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