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60亿共享单车押金急需监管
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Topic: 60亿共享单车押金急需监管 (Read 234 times)
Deniselly
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60亿共享单车押金急需监管
April 23, 2017, 06:39:02 AM
#1
摩拜单车押金299元、ofo和小蓝都是99元、优拜298元、小鸣199元……共享单车的押金问题受到社会关注。2017博鳌亚洲论坛期间,一些单车企业负责人在接受“新华视点”记者采访时表示,正等待有关部门作出决定,希望能尽快有明确规定,把这笔钱放在公众认为安全的地方。
押金池监管权责不明
参加2017博鳌亚洲论坛的ofo单车CEO戴威表示,ofo单车2015年9月上线伊始并未设置押金,99元押金是去年进入城市市场之后开始设置,“我们运营模式诞生时并没有押金,目前针对学生也都是不收押金的。”
戴威表示,ofo公司目前已经收取的押金“一分没有动”,“我们也在等待有关部门决定,希望能够尽快出台一个明确的规定,我们就会把这个钱放进去。因为这不是ofo商业模式中对我们有重要影响的一件事情。”
摩拜单车CEO王晓峰表示,该公司与招商银行合作设立押金专户,保证所收押金专款专用。
民商法专家、北京航空航天大学法学院院长龙卫球教授称,“收取押金的行为到底是正常的质押还是变相集资,必须先有所判断。如果属于后者,没有特定授权和程序则可能涉嫌违法。这些都需要金融监管部门来判断。”
记者联系海南、上海、江西多地银监部门与交管部门,相关部门都表示,由于当前押金池监管权责规定不明,尚未开展相关工作。
中国人民大学国家发展与战略研究院研究员、法学院副院长杨东认为,单车押金从法律上讲属于物权法所规定的“动产质权”。“企业将客户押金用于投资理财的,应当取得客户同意。投资收益的分配应与客户协商一致后决定。对于未经客户同意,擅自动用客户押金的,损失应当由企业承担。”杨东说。
同济大学法学院副教授刘春彦认为,共享单车企业如果将押金用于经营和投资,可能面临风险,一旦经营失败,就会给消费者造成损失。“本是一对一的租赁模式,变成了一对多的押金,就产生了金融属性,应该由第三方监管。”他建议,应该像第三方支付那样,实现银行监管,缴纳一定比例备付金。
免押金或引发行业洗牌
实际上,不少共享单车龙头企业已经开始探索对押金采取第三方监管。摩拜方面说,今年2月摩拜与招商银行宣布达成战略合作,双方将继续加深和完善在押金监管方面的合作,确保押金100%安全;ofo方面表示,“有个专门账户进行存管,专款专用”;优拜方面称“押金由银行监管”。
受访共享单车企业均提到确保押金“安全”,但都没有明确回答有没有使用押金进行投资理财。
也有一些共享单车企业宣布“有条件免押金”政策。永安行第一个“吃螃蟹”,后有ofo单车跟进。戴威称,目前正与蚂蚁金服、芝麻信用合作,在上海地区试点,650分以上免交押金,“未来一定会想尽一切办法,让用户能够更低门槛地来使用”。
业内人士认为,近期兴起的免押金模式,无疑将使共享单车行业竞争更为残酷,行业洗牌似乎不可避免。“市面上共享单车公司越多,政府进行监管的迫切性就越大。”刘春彦说,一旦有共享单车公司出局,消费者支付的押金就面临风险。政府应当尽早采取措施,防止企业把经营失败后的风险转嫁给消费者。他提醒相关企业应牢记“这是别人的钱”。
杨东认为,工商部门和消费者协会应该从各自工作角度规范、约束共享单车企业,保护消费者权益。“共享单车行业应组成一个专门的协会,制定相关的自律公约。”据新华社
sinpalor
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Re: 60亿共享单车押金急需监管
April 23, 2017, 06:47:27 AM
#2
万一跑路了
lorryjue
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Re: 60亿共享单车押金急需监管
April 23, 2017, 06:52:19 AM
#3
有可能被挪用了
btc_girl0303
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Re: 60亿共享单车押金急需监管
April 23, 2017, 06:56:32 AM
#4
这些车感觉不是很有必要,现在很多城市本来就有公共自行车的存在,不知共享单车是锦上添花,还是多此一举
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