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 The prepaid model is a common business model，Widely used in service industry。With the rapid development of elderly care services in our country，Some elderly care institutions withdraw funds quickly、Increase customer stickiness、Considerations such as reducing operational risks，Also adopts a pre-charge model to operate，Mainly includes pre-adoption service fees、Deposit and "membership card", "membership fee" and other forms。Prepaid to a certain extent，Allow the elderly and their families to enjoy preferential prices，Saved the time cost of monthly payment。But we must also see，Some elderly care institutions collect large amounts of fees in advance，Non-performance of obligations under the contract occurred、Irregular use of fund management、The capital chain is broken, bankruptcy, etc.，Leading to accumulation of risks。There are even some criminals，In the name of “elderly care services”，With "high interest、High return” as bait，Illegal fund-raising，Defraud the elderly of “pension money”。In recent years，Representative member、Public public、Experts and scholars strongly call for the introduction of regulatory policies at the national level as soon as possible，Regulating the prepayment behavior of nursing homes，Strengthen governance from the source。The Ministry of Civil Affairs in conjunction with the National Development and Reform Commission、Ministry of Public Security、Ministry of Finance、People's Bank of China、State Administration for Market Regulation、The State Administration of Financial Supervision actively responds to the new demands and expectations of the people，Solve the "big problem" of elderly care services around the people from the "small incision" of pre-charged fees，Through in-depth grassroots research、Repeated studies and arguments、Listen extensively to opinions，Dig deep into the root cause to identify the problem，Summary of local pilot experience、Based on learning from other industry practices，Proposed a series of management measures，Full chain management requirements formed。The "Guiding Opinions on Strengthening the Supervision of Advance Fees in Nursing Homes" jointly issued by 7 departments (hereinafter referred to as the "Guiding Opinions")，On the road of promoting high-quality development of elderly care services，An important new step has been taken。

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First, implement the Party Central Committee、Important measures for decision-making and deployment of the State Council。Since the 18th National Congress of the Communist Party of China，Party Central Committee、The State Council attaches great importance to development and security issues。General Secretary Xi Jinping emphasized at the 2023 Central Economic Work Conference: “We must adhere to high-quality development and high-level security and positive interaction，Promote high-level security through high-quality development，Ensuring high-quality development with high-level security，Development and dafabet online sports betting appsecurity must be dynamically balanced、Complement each other”。The spirit of General Secretary Xi Jinping’s important instructions provides fundamental compliance for coordinating the development and supervision of elderly care services。Proposed in the "Opinions of the General Office of the State Council on Promoting the Development of Elderly Care Services" issued in 2019，Marketing sales of prepaid “membership cards” and other forms，It is necessary to adopt the third-party custody method of commercial banks to ensure the safety of fund management and use。The "Opinions of the General Office of the State Council on Establishing and Improving a Comprehensive Supervision System for Elderly Care Services and Promoting the High-Quality Development of Elderly Care Services" issued in 2020 once again emphasizes the need to strengthen the standardized management of advance service fees collected by elderly care service institutions。The Central Financial Work Conference held in October 2023 emphasized that the industry must manage risks，Strictly prevent general commercial activities from turning into illegal financial activities。In-depth implementation of the "Guiding Opinions" of the Party Central Committee、Decision-making and deployment of the State Council，By strengthening the collection of advance funds、Management、Use、Full chain supervision of returns，Legalize the charging behavior of nursing homes、Normalized track，Blocking the channels for criminals to illegally raise funds under the pretext of advance fees，Provide strong legal guarantee to promote the high-quality development of elderly care services。

The second is to safeguard the legitimate rights and interests of the elderly，The urgent need to improve the level of financial security。General Secretary Xi Jinping emphasized many times，We must protect the legitimate rights and interests of the elderly。Only the elderly are safe and secure，Only in this way can you live peacefully and comfortably in a nursing home。The "Guiding Opinions" focus on standardizing fees、Fair use、Security Management、Risk Prevention，By explicitly charging the request、Specified use、Strengthen refund management、Strengthening supervision measures during and after the event，Tighten the “rule of law fence” for prepaid fees，Minimize risks and hazards。In response to the “sell more than one bed” policy in some nursing homes、Super long term precharge、Misappropriation of funds for other purposes、Unreasonable delay in refund、Problems such as disguised inducement of consumption，Proposed to strictly prohibit elderly care institutions from exceeding bed supply capacity and promising services、Limited precharge period and amount、Restrict the use of funds，Standardize service agreement content and refund、It is strictly prohibited to induce payment and other requirements，Resolutely rectify the charging chaos;Deposit for greater risks、Membership fee，On the basis of daily supervision，Adopt bank depository and risk margin management，Play the outpost role of financial institutions，Further improve the level of financial security。A series of management measures proposed in the "Guidance Opinions"，Improved consumption safety factor，Let the elderly and their families consume more confidently。

The third is to standardize the development of the industry，dafabet live casinoObjective requirements to stabilize market expectations and industry development confidence。Adhere to stability and seek progress、Promoting stability through promotion is an important requirement for doing a good job in the current economic work。The "Guiding Opinions" grasp the relationship between "stability" and "progress"，On the premise of "stabilizing" the market order of elderly care services，To promote the "advance" of prepayment risk resolution;To strengthen cross-department collaboration、The "advancement" of full chain supervision，To promote the "stability" of the elderly care service market order。First aspect，Affirmed that elderly care institutions have solved the problem of insufficient construction funds，Relieve operational pressure，Operate in pre-charge mode，It is the result of the diversified development of market entities;The second aspect，Filling the gap in the national regulatory system，Draw a red line on pre-charging in nursing homes、Standing ruler，With open, fair and transparent regulatory rules and standards，Let supervision be based on rules and regulations、Let institutions operate with integrity and compliance and have rules to follow;The third aspect，Building a collaborative supervision system，Clear division of responsibilities and coordination among departments，Strengthen work connection and cooperation，Enhance cross-department daily supervision、Risk Monitoring、Overall planning and coordination of classified disposal，Form an effective regulatory force。Issuance of the "Guiding Opinions"，It not only purifies the elderly care service market ecology，Standards guide the industry to develop in a healthy and orderly direction，Also pay attention to maintaining consistency with macro policies，Not one size fits all、Sudden braking，By creating stability and transparency、Predictable policy environment，Further solidify confidence in industry investment and development。

　　2. Main contents of the "Guiding Opinions"

"Guiding Opinions" has 4 parts and 14 requirements，Provisions are mainly made from four aspects:

(1) Clarify the overall requirements for reducing risks and promoting development。Focusing on the goal of establishing and improving a cross-departmental pre-charge supervision working mechanism for elderly care institutions by 2025，Proposed to strengthen the collection of advance fees in nursing homes、Management、Use、Full-chain supervision concept for refunds，Clearly seek truth from facts、Adapt measures to local conditions，Safe development、Keep the bottom line，Pragmatic and efficient、Basic principles of collaborative linkage。

(2) Regulate the charging behavior of nursing homes across the entire chain。Clear the connotation of precharge，The elderly care service fee collected by the elderly care institution from the elderly and their agents before providing services、Deposits and membership fees are fully regulated。The first is to stipulate collection requirements，Limit the maximum advance collection period for elderly care service fees and the maximum advance collection amount for deposits，Preventing and controlling financial risks;Authorize provincial civil affairs departments to make restrictive requirements on the maximum amount of membership fees collected by for-profit elderly care institutions。It is dafabet casino mobile appstrictly prohibited for elderly care institutions to exceed bed supply capacity and promise services，Prevent "sell more than one bed";Requires the total amount of precharges not to exceed its net fixed assets，Preventing "Insolvency"。The second is limited use，Clearly restrictive provisions，Ensure dedicated funds are used。The third is to clarify agreement management and refund requirements，Focus on issues that are likely to cause disputes，To sign the agreement、Inform about risks、Issue an invoice、Refund fee、Standardize dispute resolution and other aspects，Protect the legitimate rights and interests of the elderly to the greatest extent。

(3) Take multiple measures to strengthen supervision and management。According to the degree of risk hazard，Implement classified supervision，Retirement service fees charged to meet daily operational needs，With "double random" and special inspection、Spot check audit、Mainly daily supervision such as risk monitoring;A deposit charged for a specific purpose，And high fund limit、Risky membership fee，On the basis of daily supervision methods，Take commercial bank custody，Ensure dedicated funds are used，Required to retain a certain amount of risk deposit，Required to retain a certain amount of risk deposit。

(4) Guarantee organization and implementation。Clear the division of responsibilities and coordination of each department。Require all localities to formulate supporting policies，Refined management requirements and specific measures，Pay close attention to implementation。Require all localities to set reasonable transition periods，And urge and guide the elderly care institutions that have collected advance fees to complete the corresponding procedures in accordance with regulations。Regions requiring pre-charge management measures to have been issued in the early stage，Make good policy connection and application。

　　3. Implementation of the "Guiding Opinions"

One point deployment，Nine-point implementation。The vitality of policy lies in its implementation，After a good policy is formulated，High-quality and efficient implementation is the key。Next step，The civil affairs department will promote the implementation of the "Guiding Opinions" from four aspects。

First, measures to refine benchmarking tasks。Start from reality、Adapt measures to local conditions，Highlight local characteristics and development requirements，Take the lead in formulating implementation details or corresponding management measures，Refined management requirements and specific measures;Based on the economic development level of the region and the development status of elderly care institutions，Work with relevant departments on the basis of research and demonstration，Determine the longest advance collection period for local elderly care service fees、Maximum advance deposit amount、Restrictive requirements such as the maximum amount of membership fees and the retention ratio of risk deposits。Work with local financial regulatory authorities to formulate a depository system，Clear custody rules，Refined determination of abnormal capital flows，Determine the list of banks to undertake business in the region, etc.。

The second is to improve the collaborative supervision mechanism。Work with relevant departments to improve the working mechanism for the supervision of prepayments in nursing homes，Clear division of responsibilities，Consolidate regulatory responsibilities，Establish and improve dafabet casino mobile appregular reporting of problem clues、Regularly assess major potential risks、Transfer of execution connection cases、Working mechanisms such as cooperating with existing stocks;Establish a communication and cooperation mechanism with the banking system，Improving risk monitoring of pre-charges in nursing homes、Early Warning Tip、Exception reporting and other workflows，Guide depository banks to comply with regulatory rules，Establishing an account management system for elderly care institutions，Collect funds collected from elderly care institutions、Usage and other information，Clear depository bank access standards，Connecting with the information system of the civil affairs department，Form a management model with two-way efforts between industry authorities and financial institutions。

The third is to help institutions make a smooth transition。Set a reasonable transition period based on the actual situation in the region，Guide and help the elderly care institution complete the opening of special deposit accounts during the transition period、Transfer funds、Information submission and other procedures，Make preparations and connections for policy implementation。Multiple channels、Carry out policy publicity and interpretation on multiple platforms，Increase policy awareness among the general public and elderly care institutions。

The fourth is to explore innovative supervision methods。Utilize informatization、Big data and other means，Strengthen the supervision during and after the process of prepayment of elderly care institutions，Exploring monitoring model，Improve the accuracy of monitoring and early warning。Explore the dynamic assessment of the credit rating of elderly care institutions，and differs according to credit rating，Implement differentiated regulatory requirements;Improve and implement the model text of the elderly care service agreement，Explore online signing of elderly care service contract，Standardize contract performance behavior;Actively connect with insurance institutions，Explore commercial insurance methods such as "Performance Guarantee Insurance"，Further reduce consumption risks。

Source: Ministry of Civil Affairs