Regulations On Shared Deposits

With the continuous failure of sharing companies in recent years,security problems such as non-refundable deposits of user deposits have been misappropriated,and users have suffered considerable deposit losses.As the sharing economy appears as a new thing in the publics field of vision,a series of social problems,including legal issues,will naturally appear.Instead of blindly suppressing problems when something new arises,it’s necessary to exert the power of government guidance and supervision,carry out appropriate legal regulations,and promote the healthy and orderly development of the sharing economy.This article will actively look at and analyze the deposit issue from a positive perspective.After analyzing the basic theory,necessity and significance of the regulation of shared deposits,we will start with the collection,use,and return of deposits,and propose a legal regulation method for shared deposits.It is necessary to collect deposits because it is difficult for a shared enterprise to finance and needs to use deposits as a guarantee for users to use shared items in an appropriate manner.After the deposit is collected,the problem of attribution of the deposit and interest naturally arises.The author believes that the users act of delivering the deposit to the enterprise belongs to the transfer of ownership of a specific amount of money and the creditors guarantee to guarantee the transfer of the debt,so the user has the right to request the enterprise to return the deposit.However,allowing the collection of deposits does not mean that user deposits can be used directly.Not using them in a way that guarantees the safety of user deposits may damage the rights and interests of many user deposits and cause the deposit problem to reappear.Purchase life accident insurance and commercial insurance for users,and engage in other financial services such as investment value-added,etc.,without using the deposit at the same time to improve the efficiency of capital utilization.The return of the deposit is the user’s most concern,and improve the post-relief mechanism to resolve the deposit incident that has occurred.Since enterprises are all profit-oriented and problematic behaviors are unavoidable in the course of operation,the regulation of shared deposits cannot be achieved solely by the shared enterprises themselves,and the importance of administrative supervision is highlighted.In this part,by determining the regulatory principles,subjects,and responsibilities,the company is supervised to use reserve funds and risk reserves to solve the problem of deposit return.