互联网租赁自行车用户资金规范化管理探析  

Standardized Management of Internet Rental Bicycle Users' Funds

作　　者：尹志芳[1] 张晚笛 吴洪洋[1] YIN Zhi-fang;ZHANG Wan-di;WU Hong-yang(China Urban Sustainable Transportation Research Center,China Academy of Transportation Sciences,Beijing 100029,China)

机构地区：[1]交通运输部科学研究院城市交通与轨道交通研究中心,北京100029

出　　处：《交通运输研究》2018年第6期1-6,13,共7页Transport Research

基　　金：中央财政科研项目结余资金资助项目(20186648001Y)

摘　　要：为解决互联网租赁自行车行业用户资金规范化管理的问题,首先,从互联网租赁自行车押金的属性特点出发,总结了目前互联网租赁自行车行业押金与预付金的管理现状,并梳理了传统交通行业的押金监管模式。然后,通过分析得出目前互联网租赁自行车行业在用户资金管理方面存在的问题主要有用户资金监管主体不明确、用户注册协议缺乏押金及预付金约束条款、金融机构及行业管理部门缺乏有效监管、企业与第三方支付平台责任尚不明确。最后,结合互联网租赁自行车行业的特点,从明确用户资金责任主体、建立用户资金信息核对校验机制、建立用户资金专用账户异常预警机制、建立用户资金原路退还机制、加强地方相关法律法规保障工作等方面提出了针对性的政策建议。In order to solve the problem of standardized management of users’funds in the Internet rental bicycle industry,the current management status of the Internet rental bicycle industry deposit and prepayment were summarized based on the characteristics of the Internet rental bicycle deposit,and the supervision mode of the traditional traffic industry was sorted out at first.After that,it was concluded that the main problems existing in the management of users’funds of the Internet rental bicycle industry were the unclear supervision subject of users’funds,the lack of deposit and prepayment restriction clauses in user registration agreements,the lack of effective supervision by financial institutions and industry management departments,and the unclear responsibility of enterprises and third-party payment platforms through the analysis.Finally,combining with the characteristics of the Internet rental bicycle industry,policy recommendations were put forward from the following aspects:defining the responsibility subject of users’funds,establishing the checking and verifying mechanism of users’financial information,establishing the abnormal warning mechanism of users’special account for funds,establishing the returning mechanism of users’funds by the original way,and strengthening the guarantee work of local relevant laws and regulations.

关 键 词：互联网租赁自行车 押金 预付金 资金安全 监管模式 

分 类 号：U491[交通运输工程—交通运输规划与管理]