民政部、金融监管总局印发工作指引 进一步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 enhance the supervision of prepayment collection by elderly care institutions, establishing a third-party deposit system with commercial banks to protect the legal rights of the elderly [1] Group 1: Guidelines on Prepayment Collection - The guidelines specify that a dedicated deposit account must be opened by elderly care institutions at commercial banks to manage prepayments such as deposits and membership fees from the elderly [1] - If an elderly care institution intends to close the dedicated deposit account, it must report the disposal plan of the deposited funds to the regulatory civil affairs department in advance [1] - Institutions are required to collect deposits and membership fees primarily through the deposit bank; any other payment methods must transfer funds to the dedicated account by the end of the following day [1] Group 2: Fund Management and Refund Procedures - Funds in the dedicated account can be used for emergency medical expenses for the elderly, with the bank allowed to process these transactions without prior documentation, provided that supporting materials are submitted within seven working days after the medical event [1] - Refund requests must be submitted promptly by the elderly care institution to the deposit bank, which is required to process the refund on the same day or the next day after verifying the information [1] Group 3: Monitoring and Risk Management - The guidelines mandate that the deposit bank must not process expenditures for the elderly care institution if there are large transactions, suspicious activities, high-risk transactions, or funds used for non-designated purposes, and must alert the regulatory civil affairs department of any risks [1]