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, ensuring the protection of the legal rights of the elderly [1][2]. Summary by Relevant Sections - Prepayment Special Deposit Accounts: The guidelines define a special deposit account as one opened by elderly care institutions at commercial banks for managing deposits, membership fees, and required risk guarantee funds collected from the elderly. Institutions must report to the regulatory civil affairs department before closing such accounts and cannot collect further deposits or fees from the elderly after reporting [1]. - Collection and Management of Fees: Elderly care institutions are required to collect deposits and membership fees primarily through the deposit bank. If collected through other payment institutions or in cash, the funds must be transferred to the special deposit account by the end of the following day. Funds can be used for emergency medical expenses for the elderly, with the bank allowed to process these requests without prior documentation, provided that supporting materials are submitted within seven working days post-treatment [1]. - Monitoring of Transactions: The guidelines stipulate that if there are large, suspicious, high-risk, or non-designated purpose transactions in the special deposit accounts, the deposit bank must not process expenditures other than refunds and must alert the regulatory civil affairs department about the risks [2].