交通运输新业态用户资金管理办法（征求意见稿）(12)
<P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 32pt; MARGIN: 0cm 0cm 0pt; mso-line-height-rule: exactly; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 16pt; mso-ascii-font-family: 'Times New Roman'">（三）运营企业在收取用户预付资金时，应当按照本条第（一）（二）项要求收取，并明确退还条件。</SPAN><SPAN style="FONT-SIZE: 16pt; mso-fareast-font-family: 仿宋_GB2312" lang=EN-US><o:p></o:p></SPAN></FONT>
<P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 32pt; MARGIN: 0cm 0cm 0pt; mso-line-height-rule: exactly; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 16pt; mso-ascii-font-family: 'Times New Roman'">（四）运营企业应当建立用户预付资金备付金制度，备付金不得低于用户预付资金余额的</SPAN><SPAN style="FONT-SIZE: 16pt; mso-fareast-font-family: 仿宋_GB2312" lang=EN-US>40%</SPAN><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 16pt; mso-ascii-font-family: 'Times New Roman'">。</SPAN><SPAN style="FONT-SIZE: 16pt; mso-fareast-font-family: 仿宋_GB2312" lang=EN-US><o:p></o:p></SPAN></FONT>
<P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 32pt; MARGIN: 0cm 0cm 0pt; LAYOUT-GRID-MODE: char; mso-line-height-rule: exactly; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 16pt; mso-ascii-font-family: 'Times New Roman'">（五）运营企业只能将用户预付资金用于其主营业务，不得用于不动产、股权、证券、债券等投资及其他借贷用途等。</SPAN><SPAN style="FONT-SIZE: 16pt; mso-fareast-font-family: 仿宋_GB2312" lang=EN-US><o:p></o:p></SPAN></FONT>
<P style="LINE-HEIGHT: 29pt; TEXT-INDENT: 32pt; MARGIN: 0cm 0cm 0pt; LAYOUT-GRID-MODE: char; mso-line-height-rule: exactly; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="FONT-FAMILY: 黑体; FONT-SIZE: 16pt; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'">第十二条</SPAN><SPAN style="FONT-SIZE: 16pt; mso-fareast-font-family: 黑体"> <SPAN style="mso-spacerun: yes"> </SPAN></SPAN><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 16pt; mso-ascii-font-family: 'Times New Roman'">运营企业可通过存管银行、合作银行和其他支付服务机构收取用户资金，通过其他支付服务机构收取的，应当签订支付服务协议，并告知相应存管银行、合作银行。支付服务协议中应当明示用户资金专用存款账户信息，明确其他支付服务机构保存相关支付信息应当不少于</SPAN><SPAN style="FONT-SIZE: 16pt; mso-fareast-font-family: 仿宋_GB2312" lang=EN-US>5</SPAN><SPAN style="FONT-FAMILY: 仿宋_GB2312; FONT-SIZE: 16pt; mso-ascii-font-family: 'Times New Roman'">年，并及时向运营企业提供。</SPAN><SPAN style="FONT-SIZE: 16pt; mso-fareast-font-family: 仿宋_GB2312" lang=EN-US><o:p></o:p></SPAN></FONT>


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