I think it's a consumer warning issued by Beijing Consumers Association. Timely rain? . The current education and training market really needs someone to come out and manage it. As we all know, it is parents' desire for education that has spawned a bunch of education and training institutions; But from another perspective, it is also because the birth of educational institutions has increasingly promoted parents' educational anxiety. No matter what children's hobbies are, as long as the number of specialties is there, the feeling is a reassurance. Therefore, many educational institutions seize this kind of psychology, and almost all of them collect training fees in advance. This is actually an unequal phenomenon and should not exist. Therefore, the warning of Consumers Association should carefully choose prepaid education and training, listen to the warning and standardize the implementation.

Why is prepaid education and training an unequal phenomenon? Since ancient times, we all know the existence of a sentence, that is? Cash on delivery? . This is a popular saying, but its essence is reciprocal transaction. Our current economic transactions are basically based on this model. What education and training institutions provide is an educational service and a labor transaction, and there should be such a fair and just transaction. However, the education and training market has long deviated from this direction, and it is easy to pay half a year, one year or even longer in advance, which means that parents need to pay a lot of fees in advance, and it will take a long time to get the education services they deserve. For parents, this is a risk.

Let me talk about why educational institutions like to pay in advance. This should start with their sales targets. Nowadays, many institutions, not only education and training, like to use this way of advance payment. On the one hand, prepaid payment can help them retain old students, whether because of their own service quality or management problems; On the other hand, I have to praise their good sales psychology. Because of the increase of prepayment period, parents may reduce the unit price of specific class hours, but from the investment point of view, this is not cost-effective. But many parents are because? Cheap? Psychologically, I can't see this, so I choose risk and loss of money to compound interest in exchange for lower class unit price.

If educational institutions can operate effectively and legally, many parents are willing to bear the loss of unequal advance payment and compound interest. However, after all, the competition between educational institutions is increasing day by day, and some external objective factors make some educational institutions unable to operate in good faith, and the phenomenon of closed loans occurs from time to time. In this case, we should carefully choose the prepaid education and training institutions, and the prepayment period should not exceed three months, so as to protect our rights and reduce investment risks.