Plan the operation of pacemaker of the Jin Sen that do handkerchief till the mother, the Liu Ting that lives in Beijing (alias) just know, in the product of conduct financial transactions that a few companies that parents already threw all savings in include to install the people's livelihood inside a few this years distribute, the cash in the hand has not exceeded 4 digit.
"After there is brushstroke conduct financial transactions to expire by Feburary, they also did not return gold of repayment of capital, had an accident with respect to the feeling at that time. " of Liu Ting premonition be proved very quickly to be accurate. On April 9, bulletin of small gain of government of substation of Haidian of Beijing public security bureau says, in the light of provide for the aged of the people's livelihood is installed to serve limited company to be engaged in collecting money illegally in asset of the people's livelihood is being installed to manage limited company to reach in investor informs against Beijing mobile circumstance, substation of Haidian of Beijing public security bureau already was investigated to relevant company put on record.
Compare with the experience of other investor, liu Ting's parents still is " lucky " . They did not mortgage the house in the hand go out, and those the company such as the people's livelihood is brought in choosing " with room provide for the aged " the old people that mode invests, or will be immersed in house money the two sky, condition that often depends on without place.
October 2018, the people's livelihood is installed in " with room provide for the aged " fraud by exposure when, already 17 old people are cheated to mortgage amount exceeds 31 million yuan. "The people's livelihood is installed in " be related opened partial company to be being hit " with room provide for the aged " banner undertakes con iceberg one horn.
With " with room provide for the aged " the heat of fraud is contrary, it is true " with room provide for the aged " safe cold.
According to media coverage, since reverse mortgage endowment insurance begins old people housing 4 years to come, shared 4 insurance company to obtain at present develop housing the qualification of reverse mortgage endowment insurance, but only two insurance company rolled out housing product of reverse mortgage endowment insurance, the life of only and happy person that begins professional work actually at present. Up to in April 2019, happy person life rolls out " with room provide for the aged " accept insurance of insurance product accumulative total 194 sheet (133) .
"With room provide for the aged " fraud emerges in endlesslyYoung when loan buys a house, old give bank or insurance company building pledge later, pay provide for the aged fee by afore-mentioned orgnaizations, ensure back and belly of life of old people old age not to have care thereby, this is the country is carried out " with room provide for the aged " pilot original intention.
Normal " with room provide for the aged " it is to show old people mortgages housing reversely endowment insurance, it is business of endowment insurance of a kind of innovation that combines housing guaranty and life annuity insurance business. And in recent years, increasing company is being hit " with room provide for the aged " the banner, fact that collects money illegally all right, coil the house property of old people and gold banquet one sky.
With in install the people's livelihood to be exemple. As we have learned, the mode that conduct propaganda of the people's livelihood installs in is a client get brushstroke capital through going out house property guaranty to borrow thereby, use this fund the product of conduct financial transactions that the people's livelihood brings to issue in subscribe next, products of these conduct financial transactions will give a client 6% of the left and right sides year turn profit.
In in bring the people's livelihood and client beyond, still a tripartite gives those representing capital, this tripartite gives those representing capital to be in charge of borrowing a client capital, the people's livelihood is installed to be in charge of paying contributive person interest in. As we have learned, the interest that the people's livelihood brings to give contributive person in is as high as 20% . This also is meant, the people's livelihood is installed in every do brushstroke business, capital cost will be as high as 26% above. Have a bit inadvertent, the people's livelihood is installed to be able to be immersed in a dangerous situation that capital catenary ruptures in.
"At the beginning when, it is every month gives money really, so everybody can recommend the person beside slowly. Old people is not foolish also, major person is beside the person was benefited ability follow-up goes casting. " Lin Tao's parents this year more than 60 years old, stem from the consideration that to oneself assemble nods money of provide for the aged to reduce filial burden, parents mortgaged the house go out.
Very fast, the mode of this one business that the people's livelihood installs in is afterwards hard. Begin from the beginning of the year, the people's livelihood is installed to expose to the sun time and again in piece " run road " " collapse dish " wait for a hearsay. Include Lin Tao's father and mother inside many senile average per capita encountered contributive person comes dun: "Still do not have money, sold the house! " Liu Ting also is to discover at this time, there are cash capital and accrual after parental conduct financial transactions expires.
The name is happy the evening that raise love (Beijing) provide for the aged is industrial development limited company (next weighing " happy the evening that raise love " ) the company is a year short more than 400 million yuan of fund was drawn between a long time, family of 1300 many old people suffers big loss, among them many people are national ministries and commissions, enterprise or business the unit is emeritus veteran cadre, and the retired old professor of academy, college.
After the report is released, case arch-criminal, happy the evening that raise love controls person Liu Hang actually to be arrested by police. Two years through the judicial department much search evidence, cognizance works, on December 4, 2018, court of Beijing rising sun enters a judgement.
The court thinks, happy the evening that raise love does not have financial license plate, make public recruit capital to the society however, the 6 people such as chief covert related the sale of Liu Hang and company, operation, channel, financial, service absorb the public to deposit money, disturbed finance order, amount is huge, make admit public deposit guilt illegally.
True " with room provide for the aged " be sure 4 years accumulative total accept insurance only 194 sheetThe country approves " with room provide for the aged " insurance product, namely old people housing mortgages reversely endowment insurance, it is business of endowment insurance of a kind of innovation that combines housing guaranty and life annuity insurance business actually.
Its mode of operation is, own a building the old people of complete property right, its house property guaranty gives insurance company, continue to have a building to have, use, accrual deals with with what agree via hypothec person authority, till,get old-age pension according to stipulation die; After old person die, insurance company obtains guaranty house property to deal with authority, deal with gain will be first use at liquidate endowment insurance relevant charge.
The policy-holder that this product faces group for 60 years old above owns a building the old people of completely absolute property right, provide old people housing of reverse mortgage endowment insurance to have the insurance company of certain aptitude.
In June 2014, the original meeting that keep watch is released " about developing old people housing reverse mortgage endowment insurance coachs pilotly opinion " , start reverse mortgage formally safe and pilot, pilot city is 4 cities such as Beijing, Shanghai, Guangzhou and Wuhan. In March 2015, first housing of happy person life mortgages endowment insurance product is obtained reversely batch appear on the market sale, pilot enter materiality to run level. On July 31, 2018, old people housing mortgages endowment insurance enlarges countrywide limits formally reversely.
Since reverse mortgage endowment insurance develops old people housing 4 years, share 4 insurance company to obtain develop housing the qualification of reverse mortgage endowment insurance, only two insurance company roll out housing product of reverse mortgage endowment insurance. Current, the life of only and happy person that begins professional work actually.
Learn from happy person life according to media, up to in April 2019, happy person life mortgages endowment insurance business is in Beijing, Shanghai, Guangzhou, Wuhan, Nanjing, Suzhou, Dalian, Hangzhou reversely accept insurance of 8 cities accumulative total 133 (194 sheet) . Cast on average keep the age 71 years old, break alone old person of orphans and widows, empty nest, low income is had more cast strongly protect apiration.
"The market is very cold, cheater very hot " how broken?From the point of development of itself of countrywide limits and this business, exhibit property 4 years the volume does not consider the guarantee slip of 194 sheet large. But in light of the angle from happy person life, the conduction technological process of reverse mortgage endowment insurance is more complex than general insurance product, accomplish at present such already very not easy.
The biggest advocate because be itself of reverse mortgage endowment insurance,be small numerous business. Happy person life introduces, come 4 years for years, the family that comes round to seek advice from reverse mortgage endowment insurance has tens of thousands of, cannot finish finally for the most part cast protect, basically have at 3 o'clock reason: It is the age improper, 2 it is a house improper, 3 it is to cast the muscularity that protect block.
Boreal blueness newspaper points out, housing mortgages loan is a newly emerging things reversely, branch of a lot of local government is first time contact, no matter be policy code, still be mechanism of business flow, system, need to be combed afresh build.
For example, of happy person life " Fang Laibao " every sheet business is signed from the old person cast protect intent book, building to evaluate, hypothec person aptitude is maintained, building guaranty, notarial, to final each formalities be over gets old-age pension, should spend on 2 ～ normally 3 months time, the longest one only last a period of time 9 months. Evaluate the value, annuities number that can get every months to reach to the building in both sides for example after agreeing, both sides enters pawn and guaranty person relevant aptitude is maintained. From the point of real operation, whole technological process appeared to need the detail with farther suitable rub one's palm along smooth out with the fingers not less. For example " building property " . After our country room changes, some houses are filling the commodity room that makes epigenesis of gold of land sell one's own things trade to can appear on the market freely, but some houses are the reason such as confidential sex unit as a result of the unit, can be on the move in systematic interior only.
Be like again " property right property " . Defend a provision according to casting, cast the building that maintains an old person to have 100% complete property right to just can make pledge, because this fills,card of bow tie marriage, house property card adds a name to wait for the common problem that also is this link.
Borrowing money with traditional guaranty is to guaranty, can agree a specific guaranty deadline and amount are different, reverse mortgage is to cannot shift to an earlier date of conventional mortgage time limit and guaranty amount, need to be installed afresh in the system such as the flow of partial government sector, regulation from this, cannot support relevant business to deal with otherwise.
Zheng Bingwen of director of research center of social security of world of courtyard of Chinese company division thinks, with its posture of his a few nations is compared, our country develops housing reverse mortgage still has an inferior position, that is environment of basic level law, society the field such as quality of orgnaization of service of sincere letter system, intermediary is endless and perfect. Solve thoroughly " the market very cold, cheater is very hot " basic measure depends on formulate relevant policy, encourage supply, satisfy requirement, let cheater do not have the space of exploit an advantage, be made as soon as possible namely and publish old people housing reverse mortgage assures policy, regard business of national policy sex as to bring into our country provide for the aged to guarantee a system its.
Zheng Bingwen suggests, particular operation can be adopted " American mode " , the state lends his name entrust a certain ministries and commissions specific carry out, offer to policy-holder and underwriter " two-way insurance " , this is the policy support mode with the greatest strength; Or take our country " Hong Kong mode " , national authorization orgnaization of a certain finance, it is with national credit endorse, offer to the underwriter " one-way insurance " .
In addition, in legal environment level, our country is current " inheritance act " , " matter right law " , " assure law " wait to still remain to perfect, put in the blank spot that a few law join, earnestly needs to edit relevant law clause, create favorable legal environment for reverse mortgage. In insurance company level, change in value of the standardization of the product, disbursement modular, calculative, the clever activation of deadline improve a space very big also.
Daily economy news is newspaper of youth of China of integrated certificate business, Beijing, medium small gain of new classics abb, sina
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