新华社北京11月19日电（记者朱高祥）记者11月19日从民政部获悉，为加强养老机构预收费监管，健全 商业银行第三方存管制度，民政部、金融监管总局近日联合印发《养老机构预收费存管工作指引》，就 养老机构专用存款账户的开立、变更和撤销，存管资金的使用与退还、资金异常流动情形等作出要求。 ...

养老机构使用存管资金，应当向存管银行发起支出申请，说明资金用途，并提供有关佐证材料。存管资 金用于支付突发情况下老年人就医费用的，存管银行可以容缺办理，养老机构应当于老年人就医后7个 工作日内补齐相关佐证材料。 存管资金的退还 对符合养老服务协议约定和按照规定应当退费的，养老机构应当及时向存管银行提交退费申请，存管银 行核对相关信息后，应当于退费申请提交当日（至迟次日）按原渠道一次性退还剩余费用。 资金异常流动情形 养老机构专用存款账户出现大额交易、可疑交易、高风险交易、非指定用途交易等资金异常流动情形 的，除办理退费外，存管银行不得为其办理支出，同时向负责监管的民政部门作出风险提示。其中，涉 及大额交易、可疑交易、洗钱等情形的，同步报告所在地人民银行分支机构；涉及非法集资的，同步报 告地方处置非法集资牵头部门和所在地国务院金融管理部门分支机构、派出机构。 民政部、金融监管总局日前印发《养老机构预收费存管工作指引》，进一步加强和规范养老机构预收费 监管，健全存管规则，保障老年人合法权益。 专用存款账户的开立、变更和撤销 两部门要求，养老机构应当在民政部门公布的本地区承接预收费存管业务的商业银行名单范围内，自主 ...

人民财讯11月19日电，据民政部消息，为加强养老机构预收费监管，健全商业银行第三方存管制度，按 照有关规定，民政部、金融监管总局联合制定了《养老机构预收费存管工作指引》。《指引》提出，养 老机构原则上通过存管银行收取押金、会员费。通过其他支付机构或者现金收取的，应当于收取当日 (至迟次日)划转或者存入专用存款账户。 ...

Core Viewpoint - The banking sector is actively implementing regulatory measures for pre-collected funds in elderly care institutions, with several banks establishing platforms to enhance oversight and ensure the safety of funds for the elderly [1][2][3]. Group 1: Regulatory Developments - The Ministry of Civil Affairs and seven other departments issued guidelines to strengthen the regulation of pre-collected funds in elderly care institutions, prompting banks to respond quickly and develop necessary systems [1][3]. - As of September, Industrial Bank has obtained regulatory qualifications in multiple regions, including Shanghai and Guangdong, to manage pre-collected funds [1]. Group 2: Banking Initiatives - Banks like Everbright Bank and Industrial Bank have developed platforms for managing pre-collected funds, enhancing efficiency and risk management in the elderly care sector [1][2]. - Everbright Bank has successfully secured regulatory qualifications in over 20 provinces and cities, establishing cooperative models with local civil affairs departments [2]. Group 3: Market Potential - The pre-collected funds regulatory business is in its early stages but is seen as a valuable opportunity for banks to penetrate the elderly care industry and access low-cost funding [3][4]. - Major commercial banks are exploring various strategies to collaborate with elderly care institutions, leveraging their digital capabilities to optimize service delivery [3]. Group 4: Operational Considerations - Banks must obtain the necessary qualifications and comply with regulatory requirements to engage in this business effectively [4]. - Establishing a robust internal control system and optimizing business processes are crucial for enhancing risk management and service efficiency in the pre-collected funds regulatory business [4].

Core Viewpoint - The Beijing Municipal Civil Affairs Bureau has drafted the "Beijing Elderly Care Institution Prepayment Management Measures (Draft for Comments)" to regulate prepayment practices in elderly care institutions, ensuring the protection of service recipients' rights and financial security [1] Group 1: Overview of the Management Measures - The management measures consist of five chapters: "General Principles," "Collection of Prepayments," "Fund Custody," "Supervision and Management," and "Supplementary Provisions," totaling 36 articles [2] - The measures aim to strengthen the regulation of prepayment practices in elderly care institutions, including clear rules for fee collection and the management of prepaid funds [2] Group 2: Prepayment Collection Rules - Elderly care service fees, which include bed fees, service fees, meal fees, and other charges, can be collected for a maximum of three months in advance [2] - Deposits cannot exceed four times the monthly service fee, and the collection of membership fees is discouraged, although it is allowed under certain conditions [2] Group 3: Fund Custody Requirements - All prepaid funds must be deposited into a dedicated bank account to prevent misuse, with a requirement to maintain a risk reserve of 30%-80% based on the institution's star rating [3] - Institutions must complete fund custody procedures within six months of the measures being issued, and any prepaid fees collected since March 10, 2023, must be deposited accordingly [3] Group 4: Implementation and Oversight - The management measures are designed to connect with existing policies, ensuring that prepaid funds are fully accounted for and deposited [4] - The measures will be included in important inspection items, such as "double random, one public" supervision and credit regulation, to enforce compliance with fund custody requirements [4]

Core Points - Guangdong Province is drafting the "Management Measures for Pre-collection of Fees in Elderly Care Institutions (Draft for Comments)" to enhance regulation of pre-collected fees in elderly care facilities [1] - The draft stipulates that the maximum period for pre-collecting elderly care service fees should not exceed 6 months, and the deposit for a single elderly person should not exceed 20,000 yuan [2][3] - Membership fees cannot exceed six times the highest monthly service fee of the institution and must not be collected through misleading promotions [2][3] Fee Collection Regulations - Pre-collected fees include service fees, deposits, and membership fees, and should respect the wishes of the elderly or their agents without coercion [2] - Monthly collection is preferred for service fees, with specific charges based on actual consumption for items like meal fees [2] - Institutions must provide clear information about fee collection and usage, including a written agreement detailing refund conditions and responsibilities [4] Investment Restrictions - Membership fees can only be used for facility construction and core business, prohibiting high-risk investments or loans to related enterprises [3] - Institutions that are not yet built or do not meet conditions cannot collect membership fees [3] Refund and Notification Policies - Refunds must be processed within specified timeframes, with full refunds for cancellations before admission and partial refunds after admission [4] - Institutions must notify elderly individuals or their agents 30 days in advance of any operational changes, including closures [4]

Core Viewpoint - Yunnan Province has introduced regulations limiting the pre-collection period for elderly care service fees to a maximum of 12 months, aiming to enhance the management and oversight of pre-paid fees in the elderly care sector [1] Summary by Relevant Sections Pre-collection Regulations - The newly issued regulatory framework specifies that the maximum pre-collection period for elderly care service fees is capped at 12 months [1] - For individual elderly clients, the maximum deposit that can be collected in a lump sum is limited to 12 times the monthly bed fee [1] Membership Fees - When it comes to membership fees, the amount charged to an individual elderly client cannot exceed 12 times their monthly elderly care service fee [1]