守护百姓“养老钱” 两部门出台措施严管养老机构预收费

Core Viewpoint - The Ministry of Civil Affairs and the Financial Regulatory Administration have issued guidelines to strengthen and standardize the management of prepayment deposits in elderly care institutions, ensuring the protection of the legal rights of the elderly [1] Group 1: Establishment and Management of Special Deposit Accounts - Elderly care institutions are required to open a unique prepayment special deposit account with a bank listed by the Ministry of Civil Affairs and must sign a custody agreement [2] - If an elderly care institution wishes to close the special deposit account, it must report the plan for handling the deposited funds to the regulatory authority in advance [2] Group 2: Usage of Custodial Funds - Custodial funds should primarily be collected through the custodial bank, and any other collection methods must transfer funds to the special deposit account on the same day or the next [3] - Institutions must submit expenditure requests to the custodial bank, detailing the purpose of the funds and providing supporting materials [3] Group 3: Refund of Custodial Funds - Institutions must promptly submit refund requests to the custodial bank for amounts that should be refunded according to the service agreement, with refunds processed on the same day or the next [4] Group 4: Abnormal Fund Flows - In cases of large transactions, suspicious transactions, high-risk transactions, or transactions for non-designated purposes, the custodial bank must not process expenditures and must alert the regulatory authority [5] Group 5: Rights and Obligations of Relevant Parties - Elderly care institutions must provide accurate and legal documentation to the custodial bank and are responsible for any risks or losses due to misinformation [6] - Custodial banks are responsible for managing custodial funds without charging additional service fees and must develop a system for managing the accounts of elderly care institutions [7]