Core Insights - The aging population in China necessitates the establishment of a specialized and humanized dementia care system, which is crucial for implementing the "Healthy China" strategy [1][6] - The visit by Peking University representatives to the Yuan Yang Chun Xuan Mao (Beijing Qingta) elderly care facility focused on innovative practices in dementia care and the integration of academia, industry, and research [1][6] Group 1: Dementia Care Practices - The Peking University team investigated Chun Xuan Mao's core model in dementia care, emphasizing a systematic non-pharmacological intervention and the dual empowerment of service and research [3][8] - Chun Xuan Mao's operational director introduced the "Memory Journey" solution, tailored to the physiological, psychological, and cultural needs of Chinese seniors, highlighting its systematic approach rather than a mere collection of methods [3][8] - Discussions included the evaluation of non-pharmacological intervention effects, personalized service adjustments, and the balance between standardization and humanization [3][8] Group 2: Professionalism and Innovation - The core of dementia care is identified as "love and companionship," which must be built on professional and systematic service capabilities [3][8] - Chun Xuan Mao's deputy general manager shared innovative models like "dual brand linkage," showcasing the integration of professional services with inclusive development, providing real-world examples for health policy and industry research [3][8] - The organization aims to create a "dual empowerment" relationship with academic research, using real care cases to inform studies while research outcomes enhance service optimization [3][8] Group 3: Future Directions - The visit concluded with a practical observation of seniors engaging in activities, reinforcing the effectiveness of non-pharmacological interventions [4][9] - There is a consensus that addressing cognitive impairments requires collaboration across medical, nursing, cultural, policy, and industrial sectors [4][9] - Chun Xuan Mao plans to deepen collaborations with top academic institutions, solidify its foundational systems, and promote research transformation to enhance dementia care services in China, contributing to improved quality of life for seniors [4][9]

Core Viewpoint - The Ministry of Civil Affairs and the Financial Regulatory Bureau have jointly issued guidelines to strengthen the supervision of prepayment in elderly care institutions, aiming to enhance the third-party custody system in commercial banks [1] Group 1: Regulatory Framework - The guidelines specify requirements for the establishment, modification, and cancellation of dedicated deposit accounts for elderly care institutions [1] - There is a need for a multi-dimensional collaborative effort to ensure the effective implementation of the new regulations [1] Group 2: Monitoring and Compliance - Relevant departments are required to establish a dynamic regulatory mechanism to monitor the flow of funds through data sharing [1] - Commercial banks must improve their custody systems and set thresholds for abnormal fund flows to enable early detection and intervention of risks [1] Group 3: Transparency and Accountability - Elderly care institutions are required to establish a financial information disclosure system to regularly inform residents and their families about the use of funds [1] - Elderly individuals and their families can refer to the list of compliant institutions and custody information published by the Ministry of Civil Affairs when selecting care facilities [1]

李凤文 为切实保障老年人合法权益，防范化解养老领域金融风险，民政部、金融监管总局日前联合印发《养老 机构预收费存管工作指引》（以下简称《指引》），通过健全商业银行第三方存管制度，进一步强化养 老机构预收费监管，为老年人的"养老钱"筑起坚实的安全防火墙。 《指引》明确，养老机构须在民政部门公布的本地区承接存管业务商业银行名单中，自主选定一家银行 开立唯一的预收费专用存款账户，并严格账户资金使用监管，为养老产业健康有序发展清障护航。总体 看，《指引》构建了一套覆盖全流程的系统性监管框架。 一是明确监管范围与收费上限，划定资金安全"红线"。《指引》清晰界定预收费涵盖养老服务费、押 金、会员费等主要类型，全面覆盖当前养老机构预收资金的常见形式，消除监管盲区。同时严格设置预 收费用总额上限，如养老服务费预收周期原则上不超过12个月等，直接阻断不法机构通过"滚雪球"式预 收汇集巨额资金的路径，从源头降低资金池风险。 二是引入第三方存管机制，实现"管账与管钱"分离。《指引》强制要求养老机构将全部预收资金存入专 用存管账户，由商业银行履行独立存管职责，彻底切断养老机构随意挪用资金的通道。养老机构使用存 管资金时，需向银行提交 ...

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].

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].

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]

Core Viewpoint - The provincial food safety office, along with eight industry associations, has initiated a proposal to encourage companies to establish internal reporting reward mechanisms for food safety risks [1] Group 1: Industry Associations Involved - Eight provincial industry associations are involved, covering sectors such as agricultural product cultivation, food production, catering, transportation, storage, and elderly care [1] - The associations aim to act as a bridge to guide member units in implementing internal reporting systems [1] Group 2: Internal Reporting Reward Mechanism - The proposal includes integrating an internal reporting reward system into the core management framework of companies [1] - Employees who proactively report food safety risks will receive rewards [1] - By the end of 2025, companies are expected to establish a suitable internal reporting reward system [1] Group 3: Reporting Channels and Incentives - Companies are encouraged to register accounts in the national food safety whistleblower system and provide accessible reporting channels for employees [1] - Special funds will be allocated from operating costs to reward employees reporting food safety risks, with a tiered reward system based on the severity of the reported risks [1]

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].

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 ...

《规范》不仅明确了嵌入式养老机构在设立条件、场景设置、安全保障等方面的硬件标准，也细化了服 务内容与流程的软性要求。比如，在数字化管理方面，《规范》指出要利用数字化手段，为机构安装智 能设备，并统一部署智慧养老系统，通过构建智慧助餐、健康管理和无感检测场景，让老人享受到更优 质、更智慧的养老服务。 通过标准化引导，《规范》将助力机构精准匹配老年人多元化需求，有效缓解"养老难、离家远"的现实 困境，着力打造"家门口的养老乐园"，让老年人在社区内即可享受有品质、有温度的养老服务。 商报讯(记者熊依琳通讯员贾汉波)随着人口老龄化趋势加剧，发展普惠性、整合式养老服务成为社会关 注重点。如何规范管理嵌入式养老机构？ 近日，由杭州市滨江区民政局牵头，联合西兴街道、长河街道、浦沿街道办事处及浙江省产品与工程标 准化协会等多家单位共同制定的《嵌入式养老机构建设与管理规范》(T/ZS0748—2025)(以下简称《规 范》)正式发布。该标准聚焦浙江省嵌入式养老机构建设与管理的现实需求，填补了相关领域的规范空 白，为机构规范运营提供核心依据。 此次发布的《嵌入式养老机构建设与管理规范》涵盖基本要求、机构设置、建设标准、服务管理、 ...