current，Shared bicycles have become the choice of many people for short-distance travel，While enjoying convenience，Have you received a 188bet mobile、The problem of easy recharge but difficult refund？According to incomplete estimate，188bet mobile in the shared bicycle market、The recharge balance is up to billions of yuan，Many netizens questioned the opacity of its fund flow，“High” capital pool，How to avoid becoming a "high-risk" risk place？

How big is the “188bet mobile”? Where does it flow?

Pay 188bet mobile、Recharge balance，Is the necessary process to use shared bicycles。Reporters at the bicycle parking spot outside the Daguanying subway station in Beijing，Randomly interviewed some shared bicycle users，Most people said，Generally, the 188bet mobile and balance will not be refunded immediately after one use。

As the scale of the shared bicycle market continues to expand，Settled deposit、The balance forms a huge "fund pool"。How big is this “fund pool”？Where did the funds flow？How is 188bet mobile for shared bicycles determined？This is a topic that many netizens are concerned about。

ofo、188bet mobile for Mobike is 99 yuan respectively、299 yuan。The relevant person in charge of ofo said in an interview，“188bet mobile is determined based on comprehensive consideration of various factors such as the user’s acceptance range and bicycle maintenance costs。”Mobike means，"With hospitalization、Similar behaviors such as hotel check-in and so on，Mobike’s collection of deposits is in line with business practice，The amount is much lower than the value of the vehicle。”

The reporter asked ofo and Mobike to learn the specific amount of the “fund pool”，Neither company made a clear response。According to data released by ofo，The number of users has reached 30 million。Mobike official data shows，The number of users exceeded 10 million at the end of last year，Rough estimate based on the number of users，The 188bet mobile stocks of both companies reached nearly 3 billion yuan。

Management of billions of dollars，Reporter learned from interview，ofo、Mobai、Hellobike three shared bicycle companies，They all have separate accounts for the 188bet mobile and balance，Special funds for exclusive use，Do not use the 188bet mobile account for other purposes，The balance account is used to pay for user rides。Among them，Mobike also opened a special 188bet mobile account with the bank，Centralize and unified management of user deposits。

Introduced by Yu Hao, head of Hellobike Fuzhou region，The 188bet mobile can be "refunded instantly" on the APP，Return to the user via the original route，But the balance is highly volatile，And often involved in preferential activities，So the user needs to contact manual customer service to return it。

The shared bicycle company has restricted the flow of the "fund pool"，But the public’s doubts have not stopped，The karaoke controversy has pushed this issue to the forefront。Local brand karaoke bicycle in Putian, Fujian，The first batch of more than 600 bicycles were released to the market at the beginning of this year，However, due to factors such as vehicle design and uncivilized use by users，Only available for more than 10 days，There are 76.5% of bicycles are “missing”。Investors resolutely withdraw their capital，And transferred some users’ deposits，Resulting in tight operating funds of the company，It is difficult for users to refund their 188bet mobile。

Is there a security risk in the "188bet mobile"?

Many netizens said，The 188bet mobile was refunded when using shared bicycles、Balance difficulty problem，Questions about the security of the "fund pool"。ofo user Ms. Zhang initiated a balance refund application through manual customer service on March 2，But it has not been returned yet。She contacted customer service three times，Customer service said there was something wrong with Ms. Zhang’s Alipay，No refunds。“Why the 188bet mobile can be refunded through Alipay，The balance won’t work？”Ms. Zhang felt very confused。As of the 23rd，Ms. Zhang 13.The balance of 5 yuan still has not arrived。

Ms. Wei, a Shanghai citizen, is a Mobike user。Early March，She initiated an application for 188bet mobile refund on the APP，But the interface keeps showing system errors，The customer service phone cannot be connected，Later, Ms. Wei complained to multiple platforms such as “12315” and “Jucomplaint”，Mobike transferred the 188bet mobile to Ms. Wei，It has been half a month since she initiated the application，Far beyond the maximum repayment period stated on the APP。

Is there a security risk in the “fund pool” of the shared bicycle company？Sun Jin, director of the Competition Law and Policy Research Center of Wuhan University, thinks，For the behavior of prepayment of deposit，There is no legal prohibition yet，The method of paying the deposit first is legally allowed。But if 188bet mobile is too high or cannot be returned in time，It may infringe on consumers’ right to fair trade and risk breach of contract。

Said Cao Zhefu, a lawyer at Tianjin Zhongmei Law Firm，The 188bet mobile and balance cannot be treated equally。"The nature of the balance is equivalent to an advance payment，is the company’s income，No need to explain to users how to use and where the funds go。”He thinks，The so-called risk mainly comes from the 188bet mobile part。

“Because many users do not initiate a request for 188bet mobile refund after one use，This will cause the 188bet mobile to be deposited in the hands of the bicycle provider，A lot of precipitation，It may lead to the suspicion of ‘disguised fund raising or possession’。"Cao Zhefu said，

The biggest hidden danger in the operating model of shared bicycle companies is，The bike provider may lose the ability to refund the 188bet mobile，If the bicycle provider goes bankrupt、Misappropriating the 188bet mobile for other purposes, etc.。Once this happens，Users who do not request a refund of their 188bet mobile for a long time may not be able to get their 188bet mobile back。

According to Liu Chunyan, associate professor of Tongji University Law School，There are companies that have announced that they will not charge deposits，The results of market competition may force shared bicycle companies that collect deposits out of business，And once the business fails，The 188bet mobile paid by the consumer may not be returned。

How to ensure the security 188bet mobile "fund pool"?

Bike sharing is a new form of sharing economy，For the security of its “fund pool”，Whether there should be corresponding supervision？Mobike responded，In my country’s current laws and regulations，There are no clear regulations on the management of 188bet mobile deposits。

The reporter contacted Fujian、Transportation departments of Jiangxi Province，Relevant person in charge said，Bike sharing is a new thing，Involving a wide range of fields。Current management of 188bet mobile bicycles，There is no clear opinion from the superior department yet，It is not clear which department should be in charge。

"Under the "one bike to multiple people" transaction mode of 188bet mobile bicycles，Precipitated funds have financial attributes，Once a platform with financial attributes lacks supervision，It is easy to cause market failure。" Liu Chunyan said，The business model of 188bet mobile bicycles is still unclear，There is no mature profit model yet。In this case，The more bike sharing companies there are on the market，The greater the urgency for the government to intervene in supervision。

Liu Chunyan thinks，All deposits shall belong to the consumer，It is not the property of the bicycle company，Not included in the assets of the shared bicycle company，Risk isolation must be carried out。That is, the property is independent of the property of the bike-sharing company，Even if the shared bike company goes bankrupt，The 188bet mobile should not be included in the bankruptcy estate，And should be returned to the consumer。

Cao Zhefu、Liu Chunyan and others expressed，To avoid the risks of 188bet mobile management，Need government、Bicycle providers and users collaborate together。The government needs to clarify the regulatory authorities as soon as possible，And issue corresponding management rules，Establish a third-party regulatory agency to supervise the deposits of bicycle companies，Based on the regional operation of shared bicycle companies，Supervision by local financial regulatory agencies is more feasible。

In addition，Bike-sharing companies should establish a special "188bet mobile pool" to ensure that the 188bet mobile is earmarked，And disclose the flow of funds to the public。

*Source: Xinhua News Agency, original title《Where did the money go？Is there any risk？How to supervise？——Three Questions about the Billion-Yuan 188bet mobile Sharing “Fund Pool”》。