What is the "financial-like" model? Generally speaking, it is a financial model similar to financial management, which takes money from consumers and does not pay interest to consumers for the expansion of this enterprise. This "financial-like" prepayment model is not only common in the beauty salon industry, but also in the service industries such as commerce, catering, car washing and bathing. It can be said that prepaid cards have become a "disguised financing" channel for businesses while facilitating consumers. The amount of each card ranges from several hundred yuan to several thousand yuan or even ten thousand yuan. Selling cards has become a new way for businesses to "circle money". By the end of 20 1 1, the scale of prepaid consumption in China had exceeded 1.4 trillion yuan, of which the scale of single-use commercial prepaid cards exceeded 600 billion yuan. According to industry estimates, prepaid consumption in China is growing at a rate of nearly 20% every year. Single-use prepaid cards have a long pre-consumption cycle and involve a large amount of money, which means that consumers send a huge "credit card" to enterprises, but consumers can't have supervision and punishment rights like banks. At the same time, it is also possible for enterprises to use this money for business expansion. Once the capital chain is not running smoothly, it will close down due to poor management. In addition, some merchants maliciously abscond with money, which brings irreparable huge economic losses to consumers. The State Administration for Industry and Commerce has issued a message acknowledging that consumers "face the risk of infringement of their rights and interests" in this field. In recent years, prepaid card consumption trap has become one of the most complained problems of consumers. At the end of last year, the Ministry of Commerce publicly solicited opinions on the Administrative Measures for Single-use Commercial Prepaid Cards (Draft for Comment). It stipulates that the card-issuing enterprise unilaterally changes the business service subject, business content or scope, business address, etc. , affecting the interests of the cardholder, the card issuing enterprise shall publicize it 30 days in advance and provide the cardholder with exchange services. However, so far, the management measures have not been formally introduced.