| Notice of the Ministry of Transport, the People's Bank of China, the National Development and Reform Commission, the Ministry of Public Security, the State Administration for Market Regulation, and the China Banking and Insurance Regulatory Commission on Issuing the Measures for the Administration of User Funds in New Forms of Transport Business (for Trial Implementation) | | 交通运输部、人民银行、国家发展改革委、公安部、市场监管总局、银保监会关于印发《交通运输新业态用户资金管理办法（试行）》的通知 |
| (No. 5 [2019] of the Ministry of Transport) | | （交运规〔2019〕5号） |
| The transport departments (bureaus and commissions) of all provinces, autonomous regions, municipalities directly under the Central Government, and the Xinjiang Production and Construction Corps; the Shanghai Head Office, all branches, operations offices, central sub-branches in the capital cities of all provinces (or autonomous regions), and central sub-branches in sub-provincial cities of the People's Bank of China ("PBC"); the development and reform commissions, public security departments (bureaus), and market regulatory administrations (departments and commissions) of all provinces, autonomous regions, municipalities directly under the Central Government, and the Xinjiang Production and Construction Corps; and all local offices of the China Banking and Insurance Regulatory Commission ("CBIRC"): | | 各省、自治区、直辖市、新疆生产建设兵团交通运输厅（局、委），中国人民银行上海总部、各分行、营业管理部、省会（首府）城市中心支行、副省级城市中心支行，各省、自治区、直辖市、新疆生产建设兵团发展改革委、公安厅（局）、市场监管局（厅、委），各银保监局： |
| For the purposes of promoting the sound development of new forms of transport business, strengthening the management of user deposits and prepayments, and effectively preventing risk to user funds, the Ministry of Transport, the People's Bank of China, the National Development and Reform Commission, the Ministry of Public Security, the State Administration for Market Regulation, and the China Banking and Insurance Regulatory Commission have developed the Measures for the Administration of User Funds in New Forms of Transport Business (for Trial Implementation), which are hereby issued to you for your compliance and implementation. | | 为促进交通运输新业态健康发展，加强用户押金和预付资金管理，有效防范用户资金风险，交通运输部、人民银行、国家发展改革委、公安部、市场监管总局、银保监会制定了《交通运输新业态用户资金管理办法（试行）》，现印发你们，请遵照执行。 |
| Ministry of Transport | | 交通运输部 |
| People's Bank of China | | 人民银行 |
| National Development and Reform Commission | | 国家发展改革委 |
| Ministry of Public Security | | 公安部 |
| State Administration for Market Regulation | | 市场监管总局 |
| China Banking and Insurance Regulatory Commission | | 银保监会 |
| May 9, 2019 | | 2019年5月9日 |
| Measures for the Administration of User Funds in New Forms of Transport Business (for Trial Implementation) | | 交通运输新业态用户资金管理办法（试行） |
| Chapter I General Provisions | | 第一章 总 则 |
| Article 1 For the purposes of promoting the sound development of new forms of transport business, strengthening the management of users' deposits (or security deposits) and prepayments (hereinafter collectively referred to as the "user funds"), and effectively preventing risk to user funds, theses Measures are developed according to the E-Commerce Law of the People's Republic of China, the Measures for the Administration of RMB Bank Settlement Accounts (Order No. 5 [2003], PBC), the Guiding Opinions of the Ministry of Transport, the Publicity Department of the CPC Central Committee, the Office of the Central Leading Group for Cyberspace Affairs, the National Development and Reform Commission, the Ministry of Industry and Information Technology, the Ministry of Public Security, the Ministry of Housing and Urban-Rural Development, the People's Bank of China, the General Administration of Quality Supervision, Inspection and Quarantine, and the China National Tourism Administration on Encouraging and Regulating the Development of Internet Bicycle Leasing (No. 109 [2017], Ministry of Transport), the Guiding Opinions of the Ministry of Transport and the Ministry of Housing and Urban-Rural Development on Promoting the Sound Development of the Lease of Mini and Small Passenger Vehicles (No. 110 [2017], Ministry of Transport), the Notice of the People's Bank of China on Improving Individual Bank Account Services and Strengthening Account Management (No. 392 [2015], PBC), etc. | | 第一条 为促进交通运输新业态健康发展，加强用户押金（也称保证金）、预付资金（以下统称用户资金）管理，有效防范用户资金风险，根据《中华人民共和国电子商务法》、《人民币银行结算账户管理办法》（中国人民银行令〔2003〕第5号）、《交通运输部 中央宣传部 中央网信办 国家发展改革委 工业和信息化部 公安部 住房城乡建设部 人民银行 质检总局 国家旅游局关于鼓励和规范互联网租赁自行车发展的指导意见》（交运发〔2017〕109号）、《交通运输部 住房城乡建设部关于促进小微型客车租赁健康发展的指导意见》（交运发〔2017〕110号）和《中国人民银行关于改进个人银行账户服务 加强账户管理的通知》（银发〔2015〕392号）等规定，制定本办法。 |
| Article 2 For the purpose of these Measures, "new form of transport business" means operations that a service platform is established based on information technology, such as the Internet, to integrate supply and demand information and engage in transport services by innovating service models, technology and management, including online reservations for taxis, timeshare leasing of automobiles and Internet leasehold bicycles. | | 第二条 本办法所称交通运输新业态是指以互联网等信息技术为依托构建服务平台，通过服务模式、技术、管理上的创新，整合供需信息，从事交通运输服务的经营活动，包括网络预约出租汽车、汽车分时租赁和互联网租赁自行车等。 |
| Article 3 An enterprise carrying on any new form of transport business that charges user funds (hereinafter referred to as the "operating enterprise"), or a commercial bank that provides payment settlement and depository services with respect to user funds (hereinafter referred to as the "bank") or a non-banking payment service institution shall comply with these Measures. | | 第三条 收取用户资金的交通运输新业态运营企业（以下简称运营企业），以及为用户资金提供支付结算、存管服务的商业银行（以下简称银行）和非银行支付服务机构，应当遵守本办法。 |
| Article 4 An operating enterprise shall not charge user deposits in principle. If it is necessary to collect user deposits, two methods of preserving funds shall be made available to users: the operating enterprise's special deposit account and the users' individual bank settlement accounts. A user deposit shall belong to the user, and the operating enterprise may not misappropriate it. | | 第四条 运营企业原则上不收取用户押金，确有必要收取的，应当提供运营企业专用存款账户和用户个人银行结算账户两种资金存管方式，供用户选择。用户押金归用户所有，运营企业不得挪用。 |
| An operating enterprise shall be encouraged to directly charge for services at the end of the services. If services are provided by charging user fees upfront, the preservation and use of the prepayments shall comply with the relevant provisions of these Measures. | | 鼓励运营企业采用服务结束后直接收取费用的方式提供服务。采用收取用户预付资金方式提供服务的，预付资金的存管和使用应当符合本办法相关规定。 |
| Article 5 An operating enterprise shall assume primary responsibility for ensuring the security of user funds in its special deposit account. | | 第五条 运营企业承担保障其专用存款账户内用户资金安全的主体责任。 |
| A bank shall assume primary responsibility for the security of the deposits in users' individual bank settlement accounts at the bank. | | 银行承担保障本银行用户个人银行结算账户内押金安全的主体责任。 |
| An operating enterprise and its users may specify ownership of the fruits of the user funds by agreement. | | 运营企业与用户可通过协议明确用户资金的孳息归属。 |
| Chapter II Management of User Funds | | 第二章 用户资金管理 |
| Article 6 An operating enterprise shall, in accordance with the relevant rules, open a special deposit account for user deposits and a special deposit account for prepayments, respectively (hereinafter collectively referred to as the "special deposit accounts"), as are nationwide unique at the bank in the place of its registration in the Chinese mainland, and the bank where the special deposit accounts are opened shall be the depository bank to preserve user funds. | | |
| If users' individual bank settlement accounts are used to preserve deposits, the operating enterprise shall cooperate with a bank (hereinafter referred to as the "bank cooperator"), a user shall open an individual bank settlement account at the bank cooperator by service agreement, and if the user has an existing individual bank settlement account at the bank cooperator, the account may be directly linked and used. | | 采用用户个人银行结算账户存管押金的，运营企业应当与银行合作（以下称合作银行），用户应当根据服务协议在合作银行开立个人银行结算账户，若用户已有合作银行的个人银行结算账户，可直接绑定使用。 |
| Article 7 A depository bank or a bank cooperator shall meet the following conditions: | | 第七条 存管银行、合作银行应当具备下列条件： |
| (1) It has a clear functional management division and corresponding management rules. | | （一）具有明确的职能管理部门和相应管理制度。 |
| (2) It has a sound and well-regulated accounting system for fund preservation capable of keeping records of the user funds by the nature and use of the funds so as to achieve effective management and recording of funds. | | （二）具备完善规范的资金存管账务体系，能够根据资金性质和用途为用户资金进行明细登记，实现有效的资金管理和登记。 |
| (3) It has sound business management functions. A depository bank shall be capable of confirming, through formal examination, that a transfer of funds is made in accordance with the provisions of these Measures and, based on the relevant agreement, preventing an operating enterprise from misappropriating user deposits or using user prepayments in excess of the limit or scope; or a bank cooperator shall, according to the rules of administration of RMB bank settlement accounts, classification administration of individual bank settlement accounts, and the like, opening an individual bank settlement account for an user easily in accordance with the laws and regulations and, based on the relevant agreement, providing services such as freezing, unfreezing, transfer, and check of funds in the account. | | （三）具备完善的业务管理功能。存管银行能够通过形式审查确认资金划转符合本办法规定，并根据相关协议，防止运营企业挪用用户押金以及超限额、超范围使用用户预付资金；合作银行能够按照人民币银行结算账户管理以及个人银行结算账户分类管理等规定，依法合规、方便快捷地为用户开立个人银行结算账户，并根据相关协议，提供账户内资金冻结、解冻、划转、余额查询等服务。 |
| (4) It has a data interface with the related systems of operation enterprises, capable of supporting the interconnection of related information. | | （四）具备对接运营企业相关系统的数据接口，能够支持相关信息对接。 |
| (5) It has a safe and efficient business processing system capable of supporting the various peak operations by operating enterprises. | | （五）具备安全高效的业务处理系统，能够支撑运营企业的各类峰值操作。 |
| (6) Conditions otherwise required by the relevant administrative authorities according to the law. | | （六）相关管理部门依法规定的其他条件。 |
| Article 8 A depository bank shall perform such duties as the opening, modification and cancellation of special deposit accounts, the preservation, settlement, and accounting verification of user funds, and providing user funds preservation reports in accordance with the relevant laws, regulations and agreements. | | 第八条 存管银行应当按照相关法律法规规定和协议约定，履行专用存款账户的开立、变更与撤销，用户资金存管、清算、账务核对，以及提供用户资金存管报告等职责。 |
| The depository bank shall provide no security for services under any new form of transport business between an operating enterprise and its users. | | 存管银行对运营企业与用户之间的交通运输新业态服务不提供担保。 |
| Article 9 An operating enterprise shall open a special deposit account under the following procedures: | | 第九条 运营企业开立专用存款账户时，应当按照下列程序办理： |
| (1) The operating enterprise shall submit the following materials to the authority overseeing new forms of transport business designated by the people's government at the level of city divided into districts in the place of its registration (hereinafter referred to as the "new transport authority"): | | （一）运营企业应当向其注册地设区的市级人民政府指定的交通运输新业态行政主管部门（以下简称交通运输新业态行政主管部门）提供下列材料： |
| (a) Basic information on enterprise registration and industrial and commercial registration materials. | | 1.企业注册基本信息和工商登记材料； |
| (b) A business development plan and an operation organization plan. | | 2.业务发展规划和运营组织方案； |
| (c) Risk control measures for user funds. | | 3.用户资金风险控制措施。 |
| The new transport authority shall, within five working days after receipt of the materials as mentioned above submitted by the operating enterprise, issue a written approval for the operating enterprise to carry on new forms of transport business if the materials are complete. The operating enterprise shall provide a bank with the written approval as supporting document for the opening of a special deposit account. | | 交通运输新业态行政主管部门收到运营企业提交的上述材料后，对材料齐全的，应当在5个工作日内为运营企业出具从事交通运输新业态运营业务的书面材料。运营企业将书面材料作为开立专用存款账户的证明文件向银行提供。 |
| (2) A bank shall, after receiving an application for opening a special deposit account and the original of the supporting document for opening an account, open a special deposit account for the operating enterprise in accordance with the relevant rules so as to realize the connection between the operating enterprise and the relevant information systems, if the conditions for opening the account are satisfied. | | （二）银行收到运营企业开立专用存款账户申请和开户证明文件原件后，对符合开户条件的，应当按照有关规定为运营企业开立专用存款账户，并与运营企业实现相关信息系统对接。 |
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