Core Viewpoint - The Ministry of Civil Affairs and the Financial Regulatory Bureau have issued the "Guidelines for the Management of Prepaid Fees in Elderly Care Institutions," aiming to strengthen and standardize the supervision of prepaid fees, enhance deposit management rules, and protect the legal rights of the elderly [1] Group 1: Regulatory Framework - The new guidelines are part of a broader effort to establish a comprehensive regulatory policy for prepaid fees in elderly care institutions, which includes measures to prevent illegal fundraising and ensure the safety of elderly individuals' funds [1][2] - Since 2022, the Ministry of Civil Affairs has intensified its regulatory efforts, resulting in a decrease in the number of illegal fundraising cases, participants, and amounts involved [1] Group 2: Special Account Usage - A key highlight of the guidelines is the requirement for elderly care institutions to deposit collected fees into dedicated accounts, effectively isolating these funds from operational risks [2] - The guidelines stipulate that any changes or cancellations of these accounts must be reported, preventing potential misuse of funds [2] Group 3: Monitoring and Risk Management - The guidelines define four categories of abnormal fund flows, including large transactions and suspicious activities, which trigger a need for banks to halt expenditures and alert the Ministry of Civil Affairs [3] - A mechanism for sharing information about illegal fundraising issues has been established between the Ministry of Civil Affairs and financial regulatory departments to facilitate early detection and response [2][3] Group 4: Challenges and Recommendations - Despite clear policies, challenges remain in fully resolving disputes related to prepaid fees, including compliance costs for smaller institutions and a lack of awareness among the elderly regarding the new regulations [3] - Experts suggest that collaboration among regulatory bodies, the industry, and institutions is essential to enhance the safety and security of elderly individuals' funds [3]

原标题：规范养老机构预收费监管 日前，民政部、金融监管总局印发《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。 以预收费的方式快速回笼资金，是不少养老机构采取的运营方式。然而，一旦养老机构面临入住率 不足、经营不善等情况，很容易出现资金链断裂。少数机构还设置诸如"不可抗力仅退 50%费用"等不公 平条款，甚至不签书面协议仅开收据，纠纷发生后消费者举证困难。 2022年以来，民政部加力监管养老机构非法集资防范和处置工作，实现非法集资人数、案件和金 额"三下降"，切实保障了老年人合法权益。与此同时，民政部把建章立制作为保护老年人权益的重要举 措。从2022年民政部推进非法集资防范，到2024年《关于加强养老机构预收费监管的指导意见》实 现"全口径监管"，再到《养老机构预收费存管工作指引》细化存管规则，我国逐步构建起预收费监管政 策体系，持续发力保障老年人资金安全。 作为《指导意见》的配套细则，最新发布的《存管指引》从资金存管全链条入手，使框架性要求精 细化落地。 规范使用专用账户，是《工作指引》的亮点。按照要求，养老机构收取的押金、会员费应当及时存 入专用存 ...

以预收费的方式快速回笼资金，是不少养老机构采取的运营方式。然而，一旦养老机构面临入住率不 足、经营不善等情况，很容易出现资金链断裂。少数机构还设置诸如"不可抗力仅退 50%费用"等不公平 条款，甚至不签书面协议仅开收据，纠纷发生后消费者举证困难。 2022年以来，民政部加力监管养老机构非法集资防范和处置工作，实现非法集资人数、案件和金额"三 下降"，切实保障了老年人合法权益。与此同时，民政部把建章立制作为保护老年人权益的重要举措。 从2022年民政部推进非法集资防范，到2024年《关于加强养老机构预收费监管的指导意见》实现"全口 径监管"，再到《养老机构预收费存管工作指引》细化存管规则，我国逐步构建起预收费监管政策体 系，持续发力保障老年人资金安全。 日前，民政部、金融监管总局印发《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。 对于老年人及家属最担心的资金"跑路"问题，民政部养老服务司相关负责人表示，目前，民政部和金融 监管部门已建立养老服务领域非法集资问题线索共享机制，推进非法集资早发现、早预警、早处置。同 时，在全国养老服务信息系统开发上线资金监管 ...

Core Viewpoint - The article discusses the increasing risks associated with prepaid services in the elderly care sector, highlighting the need for regulatory measures to prevent fraud and protect the elderly's financial interests [1][2]. Group 1: Regulatory Measures - On November 19, the Ministry of Civil Affairs and the Financial Regulatory Bureau jointly issued guidelines for the management of prepaid funds in elderly care institutions to strengthen supervision and establish a third-party custody system with commercial banks [1][11]. - By July 2024, a cross-departmental regulatory mechanism for prepaid funds in elderly care institutions is expected to be established, as outlined in the guiding opinions released by multiple government departments [1][2]. Group 2: Prepaid Model and Risks - The prepaid model, while beneficial for cash flow and customer retention, has led to significant risks, including the potential for institutions to mismanage funds and fail to deliver promised services [4][5]. - Many elderly care institutions have adopted the prepaid model to alleviate funding shortages, but this has resulted in non-compliance with contractual obligations and financial mismanagement [4][5]. Group 3: Fraudulent Practices - The elderly care sector has seen a rise in fraudulent schemes, with scammers targeting the elderly by promising high returns on prepaid services, often leading to significant financial losses [5][8]. - Cases of fraud have been particularly severe in developed regions, with instances of institutions collecting large sums from elderly clients and subsequently disappearing [5][9]. Group 4: Vulnerability of the Elderly - The elderly are particularly susceptible to scams due to a combination of factors, including a lack of financial literacy, social isolation, and a tendency to make large upfront payments for services [10][12]. - The article emphasizes the need for increased awareness and communication between elderly individuals and their families to prevent financial exploitation [10][12]. Group 5: Role of Banks - Banks are encouraged to play a significant role in managing prepaid funds, ensuring that funds are used appropriately and monitoring for suspicious transactions [11][12]. - The guidelines stipulate that banks must verify the identity of institutions and ensure that funds are used for their intended purposes, although they are not liable for the actions of the institutions [11].

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，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。为保障新规落地见效，需多维度协同发力。相关 部门须建立健全动态监管机制，通过数据共享对资金流动实现全链条监控；商业银行应完善存管系统， 设立资金异常流动预警阈值，做到风险早发现、早干预；养老机构需建立财务信息披露制度，定期向入 住老人及家属公示资金使用情况，主动接受社会监督。此外，老年人及家属在选择养老机构时，可借助 民政部门公布的合规机构名单及资金存管信息，将其作为重要参考依据。(本文来源：经济日报 作者： 时 锋) ...

Core Viewpoint - The Ministry of Civil Affairs and the Financial Regulatory Bureau have jointly developed the "Guidelines for the Management of Prepaid Fees in Elderly Care Institutions" to enhance the supervision of prepaid fees and protect the legal rights of the elderly [1][3]. Summary by Sections Regulatory Framework - In recent years, some elderly care institutions have adopted prepaid service fees, deposits, and membership fees, which have led to issues such as non-compliance with contracts and financial mismanagement [3]. - A joint directive from seven departments, including the Ministry of Civil Affairs and the People's Bank of China, aims to strengthen the regulation of prepaid fees in elderly care institutions by establishing a cross-departmental regulatory mechanism by 2025 [3]. Prepaid Fee Management - The "Guidelines" stipulate that elderly care institutions must select a bank from a list published by civil affairs departments to open a dedicated prepaid deposit account for managing prepaid fees [3][4]. - The guidelines outline the processes for opening, changing, and closing these dedicated accounts, emphasizing that funds collected must be deposited into the account promptly [4]. Fund Usage and Refunds - Elderly care institutions are required to submit expenditure requests to the managing bank, detailing the purpose and providing supporting documents [4]. - Refunds must be processed by the bank within one day of receiving a valid refund request from the institution, ensuring timely returns to clients [4]. Risk Management - The guidelines mandate that banks must report any suspicious or abnormal transactions to the relevant civil affairs department and other regulatory bodies [4]. - Specific reporting requirements are in place for large transactions, suspicious activities, and potential illegal fundraising [4]. Rights and Responsibilities - The guidelines clarify the rights and responsibilities of both elderly care institutions and managing banks, including the obligation of institutions to provide accurate documentation and the banks' responsibility to manage funds without charging additional fees [5]. - Banks are not liable for disputes arising from the services provided by elderly care institutions or insufficient account balances [5].

本报北京11月20日电 （记者李昌禹）为保障老年人合法权益，民政部、金融监管总局近日印发《养老 机构预收费存管工作指引》，进一步加强养老机构预收费监管，健全商业银行第三方存管制度。 指引规定，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。 《 人民日报 》（ 2025年11月21日 02 版） (责编：胡永秋、杨光宇) 指引明确，预收费专用存款账户是指养老机构在商业银行开立的，用于存放、管理向老年人预收的押 金、会员费，以及按照规定留存的风险保证金的专用账户。养老机构撤销专用存款账户的，应当预先向 负责监管的民政部门报告存管资金处置等方案，自报告之日起，不得再向老年人收取押金、会员费。 指引要求，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。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。应当退费 的，养老机构应当及时向存管银行 ...

指引规定，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。 （文章来源：人民日报） 为保障老年人合法权益，民政部、金融监管总局近日印发《养老机构预收费存管工作指引》，进一步加 强养老机构预收费监管，健全商业银行第三方存管制度。 指引明确，预收费专用存款账户是指养老机构在商业银行开立的，用于存放、管理向老年人预收的押 金、会员费，以及按照规定留存的风险保证金的专用账户。养老机构撤销专用存款账户的，应当预先向 负责监管的民政部门报告存管资金处置等方案，自报告之日起，不得再向老年人收取押金、会员费。 指引要求，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。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。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 ...

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。 存管银行应当履行存管资金的管理责任，不得向养老机构收取额外的服务费用。存管银行应当开发用于 归集养老机构资金收取、使用等信息的养老机构账户管理系统，并与民政部门信息系统实现数据对接， 及时向负责监管的民政部门推送养老机构专用存款账户资金收取、使用、退费等信息及相关分析报告， 不得隐瞒、欺骗、篡改、拖延等。 存管银行应当关闭养老机构专用存款账户网银交易，全部交易通过柜面或者存管银行开发的专用存管平 台进行。养老机构每次发起支出申请，存管银行应当进行支出后余额试算。试算发现支出后余额将低于 风险保证金最低比例对应金额的，应当提示养老机构补足风险保证金。 《指引》指出，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 主选择一家银行开立唯一预收费专用存款账户，并按照有关规定签订存管协议。养老机构撤销专用存款 账户的，应当预先向负责监管的民政部门报告存管资金处置等方案，自报告之日起 ...

央视网消息：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。 养老机构预收费存管工作指引 为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，根据有关规定，制定本指 引。 一、专用存款账户的开立、变更和撤销 预收费专用存款账户是指养老机构在商业银行开立的，用于存放、管理向老年人预收的押金、会员费， 以及按照规定留存的风险保证金的专用账户。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，自主选择一家银行开立唯一预收费专用存款账户。 大额交易主要是指养老机构当日单笔交易或者累计交易、当月或者季度累计交易达到一定金额的款项划 转。省级民政部门、国务院金融管理部门分支机构、派出机构应当结合当地养老机构床位数量及收费情 况等，按照《金融机构大额交易和可疑交易报告管理办法》有关规定，进一步分类细化大额交易的金额 标准。 可疑交易主要指存管银行按照《金融机构大额交易和可疑交易报告管理办法》有关规定，发现或者有合 理理由怀疑养老机构的资金、其他资产、交易、试图进行的交易与洗钱、恐怖融资等犯罪活动相关的 ...