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[虚拟币资讯]
数字人民币预付式消费的监管之道 智能合约能不能解决所有问题？
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移动支付网消息：众所周知，预付式消费广泛存在于一些特定的应用场景，比如美容美发、体育健身等企业的会员卡，又或是个人过节送礼、企业节日发福利的一种形式。 ; q( ~- R1 |+ ]- ~8 \! ?8 W% C$ ]
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近年来，由于竞争和疫情等诸多因素，预付式消费经常出现商家资金断链导致“爆雷”、卷款跑路等情况，而消费者往往退款难、追偿难、维权难。如何保障消费者权益、促进商户健康发展成为了行业值得探讨的方向。 $ C; p9 S! B" S
' c8 a6 I& k7 t c5 d数字人民币的预付资金监管之道
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! F* K3 b# i. Z U9 }2022年5月6日，福田区政府联合深圳建行举办全国首个数字人民币教培机构预付式平台发布暨签约仪式，深圳建行与首批合作教育培训机构签署数字人民币合作协议。
. _& L1 ~. o8 C: X; ]4 p" ^
. R ?& {$ d4 Q2 w' d r* g: ~5 F6 H* h+ [据移动支付网了解，这是全国首个数字人民币预付式消费平台，其核心是通过智能合约等技术解决预付式消费资金监管问题。
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无独有偶，5月25日，由海南工行和神州方圆合作打造的海南自贸港首例数字人民币预付资金监管系统正式上线。该项目同样通过数字人民币智能合约技术优势，以解决预付式消费中的资金安全问题。 # _# V5 c( y8 [6 w5 Z8 y6 n4 A
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那两个案例之间有哪些异同呢？ |
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