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“预授权”冻结制度能破解押金难题吗?
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Topic: “预授权”冻结制度能破解押金难题吗? (Read 75 times)
langawon
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“预授权”冻结制度能破解押金难题吗?
December 27, 2017, 03:15:43 AM
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针对今年以来连续发生多起共享单车、网约车等电子商务经营者收取消费者押金、预付费后,将所收资金挪作他用,在运营不善或停止营业时,严重损害消费者权益事件。中国消费者协会12月20日发出建议:因押金、预付费法律属性上有所区别,当采用不同管理制度。中消协建议共享单车等押金采取“预授权”冻结制度,更为有效地保障消费者权益。
除了少数可以用信用分抵扣押金的企业,绝大多数共享单车企业都对用户收取金额不等的押金,美其名曰不收费,押金随时可退。而今年以来不断曝光的共享单车企业倒闭、拖欠用户押金不退的案例,不由得让人对共享单车企业的用户押金安全存疑。除了因激烈竞争被淘汰外,共享单车行业尚处于高投入周期,部分共享单车企业为此投资其他回报率和风险更高的领域,比如互联网金融,押金被挪用、因投资失败而严重亏损,都使得用户的押金安全系数进一步降低。
今年8月份,中国互联网络信息中心发布数据显示,截至2017年6月,共享单车用户规模就已经达到1.06亿;保守估计,仅共享单车领域的存量押金规模近100亿。加上共享汽车及各类物品租赁,整个共享经济领域的存量押金规模预计在150亿左右。另据芝麻信用提供的数据,粗略统计造成用户押金损失已经超过10多亿元。
针对押金问题,12月5日,中国消费者协会在北京召开共享单车企业公开约谈会,就消费者普遍关心的押金和预付金存管、车辆投放与运维等问题约谈相关企业。
为防止押金流入企业资金账户,保证资金安全,中消协提出“预授权”冻结制度。同时,中消协还建议,从资质限定、费用退还、退市要求、法律责任等方面加以规制,切实保护消费者合法权益。
其实早在今年8月,交通部等十部门就已经出台了《关于鼓励和规范互联网租赁自行车发展的指导意见》,明确规定需要对共享单车用户的押金、预付金建立专用账户。而从具体实施来看,所有共享单车企业是否严格遵循了规定,各地部门应予以核实,尤其是对新用户押金是否同步纳入到了专用账户,更应定期抽查,确保不会出现用户押金被挪用状况。
目前,中消协与监管层已经厘清了押金定义、权利归属,从法律上明确了用户对押金的所有权。但除了法律层面的明确,更重要地还在于执法与日常监督。“预授权”冻结制度也好,押金专用账户也罢,都仰赖于日常监管是否严密到位。其中,“预授权”冻结制度,还需有关部门从法理和可执行性方面考量。
此外,能否尽快建设通畅快捷的信息联动机制,能够实时监控共享单车用户押金进出流向,这些都需要有关部门去探索与创新。
唯有消协发力,有关部门监管常态化,形成无缝隙的监管网络,才能让用户押金得到安全保障。“预授权”冻结制度能否解决押金难题?这个问题也就不成问题了。
共享单车的发展未来如何?谁都无法轻易定论。共享单车企业都面临着巨大的竞争压力,行业随时洗牌,还会有新的出局者。
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