共享交通支付结算模式优化创新
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摘要
以共享单车为代表的分时租赁B2C共享交通模式近年来风靡全国,在方便居民出行的同时,也产生了一些问题和弊端,尤以用户押金和预付资金的挪用最为严重。本文剖析了共享交通的现有支付结算模式,发现该模式存在用车押金权属存争议、押金和预付款被挤占挪用普遍、用户资金风险大、使用不同品牌车辆需重复交纳押金等问题。针对共享交通的用户资金安全问题,本文提出建立支付结算公共平台、实行押金统一管理、引入信用奖惩机制、实现平台数据实时共享、探索资金收益分享等优化策略,政府应通过制定统一支付结算管理办法、牵头搭建支付结算公共平台、加强征信体系建设等措施,加快共享交通支付结算模式的完善。
The time-sharing B2 C shared transportation mode represented by shared bicycles has been popular all over the country in recent years. At the same time, as it is convenient for citizens to travel, it also has some problems and drawbacks, especially the misappropriation of user deposits and prepaid funds is the most serious. This paper analyzes the existing payment settlement mode of shared transportation, and finds that there are disputes over the vehicle deposit ownership, usually squeezed and misappropriated deposits and prepayments, the high risk of user funds, and the need to pay deposits repeatedly for vehicles with different brands under this mode. In view of the problem of user funds security of shared transportation, the paper proposes to establish a public platform for payment and settlement, implement unified management of deposits, introduce credit reward and punishment mechanism, realize real-time sharing of platform data, and explore solutions for capital revenue sharing. The government should formulate unified payment and settlement management measures, lead the establishment of a public platform for payment and settlement, strengthen the construction of the credit information system, and accelerate the improvement of the shared transportation payment settlement model.
The time-sharing B2 C shared transportation mode represented by shared bicycles has been popular all over the country in recent years. At the same time, as it is convenient for citizens to travel, it also has some problems and drawbacks, especially the misappropriation of user deposits and prepaid funds is the most serious. This paper analyzes the existing payment settlement mode of shared transportation, and finds that there are disputes over the vehicle deposit ownership, usually squeezed and misappropriated deposits and prepayments, the high risk of user funds, and the need to pay deposits repeatedly for vehicles with different brands under this mode. In view of the problem of user funds security of shared transportation, the paper proposes to establish a public platform for payment and settlement, implement unified management of deposits, introduce credit reward and punishment mechanism, realize real-time sharing of platform data, and explore solutions for capital revenue sharing. The government should formulate unified payment and settlement management measures, lead the establishment of a public platform for payment and settlement, strengthen the construction of the credit information system, and accelerate the improvement of the shared transportation payment settlement model.
引文
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[13]交通运输部等.关于鼓励和规范互联网租赁自行车发展的指导意见[EB/OL].http://www.zgjtb.com/2017-08/03/content_122920.htm,2017-08-03.
[14]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[EB/OL].http://www.huaxia.com/xw/dlxw/2017/08/5422602.html,2017-08-08.
[2]李茜.共享交通的内涵和特征[J].综合运输,2017,(12).
[3]李晓华.分享经济的内涵与特征探析[J].商业研究,2017,(7).
[4]今日投条.共享经济与共享交通:出行即服务[EB/OL].http://www.yuanshihui.cn/detail/369571e45ca3a00bfcedcd56,2018-09-25.
[5]陈爱民,陈龙海.共享单车:共享经济鲜活样本的深度解读[M].广州:广东人民出版社,2017.
[6]马天培.我国共享交通安全运营现状、问题与对策研究[J].华北科技学院学报,2018,(5).
[7]彭雨晨.共享单车押金及预付资金监管规则的反思与重构[J].金融法苑,2018,(1).
[8]张永杰,华兴月.共享单车企业会计核算现状及对策研究---以ofo为例[J].会计之友,2018,(13).
[9]孙冉冉.共享汽车:在艰难中加速前行---对共享汽车发展前景及面临困难的分析[N].中国政府采购报,2018-05-11.
[10]搜狐网.这些未来炫酷的共享交通工具,简直一个比一个变态[EB/OL].http://www.sohu.com/a/144799648_238071,2017-05-31.
[11]网易研究局.共享单车死亡名单!数亿元押金打水漂你被坑了吗[EB/OL].http://www.cs.com.cn/xwzx/201711/t20171123_5586403.html,2017-11-23.
[12]钱玉文,吴炯.论共享单车押金的性质及其法律规制[J].常州大学学报(社会科学版),2018,(4).
[13]交通运输部等.关于鼓励和规范互联网租赁自行车发展的指导意见[EB/OL].http://www.zgjtb.com/2017-08/03/content_122920.htm,2017-08-03.
[14]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[EB/OL].http://www.huaxia.com/xw/dlxw/2017/08/5422602.html,2017-08-08.