两部门发文健全存管规则 加强养老机构预收费监管

Core Viewpoint - The Ministry of Civil Affairs and the Financial Regulatory Administration have issued guidelines to strengthen and standardize the supervision of prepayment deposits in elderly care institutions, ensuring the protection of the legal rights of the elderly [1][2]. Group 1: Guidelines for Elderly Care Institutions - Elderly care institutions must select a bank from a list provided by the Ministry of Civil Affairs to open a dedicated prepayment deposit account and sign a custody agreement [1]. - Institutions are required to report to the regulatory authority before closing the dedicated account and cannot collect deposits or membership fees thereafter [1]. - Deposits and membership fees should primarily be collected through the custody bank, and any other collection methods must transfer funds to the dedicated account by the next day [1]. Group 2: Fund Management and Usage - Institutions must submit expenditure requests to the custody bank, detailing the purpose and providing supporting documents [1][3]. - In emergencies, funds can be used for medical expenses, but supporting documents must be submitted within seven working days after the event [1]. Group 3: Refund Procedures - Institutions must promptly submit refund requests to the custody bank for fees that are due for refund, which should be processed within one day [2]. - The custody bank is prohibited from processing expenditures for accounts with suspicious or abnormal transactions and must report such cases to the relevant regulatory authorities [2]. Group 4: Responsibilities of Custody Banks - Custody banks are responsible for managing the deposited funds and cannot charge additional service fees [3]. - Banks must develop a management system for tracking the funds and ensure data integration with the Ministry of Civil Affairs [3]. - All transactions must be conducted through designated platforms, and banks must alert institutions if their balance falls below the required risk guarantee amount [3].