Times weekly: "Black intermediary " freely is cruel grow history

In superintendency branch skill neat talks about under, freely the model that solves big city living problem from a the beginning of the year is born, became push go up the unscrupulous merchant that hire uses capital to cover interest, still ascended Beijing to live build appoint list of " of " black intermediary.

Black intermediary

Liu Juan of times weekly reporter is sent from Beijing

Long rent apartment alone freely of home of horny animal catenary, took the most critical hour.

In superintendency branch skill neat talks about under, freely the model that solves big city living problem from a the beginning of the year is born, became push go up the unscrupulous merchant that hire uses capital to cover interest, still ascended Beijing to live build appoint list of " of " black intermediary.

"Freely the possibility that play is a deadline that is core element with time covers benefit sport, "" freely 7 ask " in one article, critically the financial trick of freely, "Ground floor, lean for nothing buy period and the difference that enter time cover interest; The 2nd, pass in installment + the financial tool combination of ABS, shift to an earlier date collection is entire years hire, pay landlord income by the quarter however. Pay landlord income by the quarter however..

Outer bound looks, the chummage of freely type alleviated only in installment rent a settle or live in a strange place thousands of yuan cash flows, let its assume however approximate the liability of 10 times, return existence to have especially rent a settle or live in a strange place not witting chummage has shaken the body changes loan. Freely builds the capital pool since, the biggest risk is to be able to cover an issue, investment risk moves after.

Freely is denied stoutly to this, reporter of weekly of their reply times says, "The company won't allow to enforce absolutely or delusive the behavior that hires a guest to have loan, won't undertake violating with this more compasses " of the operation that cover interest.

"Long renting apartment is trival and finely, management optimizes dimensional huge service industry, also be the endowment canal trade with an administrative huge scope, it is a product that spends investment again changes an industry more. "Zun Hui of catenary home president also has had flank to respond to, the consumer that he hopes the outside pays close attention to an enterprise serves index of index NPS, management state, risk to wait, go evaluate and defining trade with rational language.

At the moment, toughen one's scalp-brace oneself of freely CEO ursine Lin Zheng, taking freely to walk into " of " a heil of bullets.

The " of cannon of a " that I hold the post of to love Hu Jinghui of my home vice-president when, let freely the station is on the where the wind and the waves are highest of doubt. "With prep above the 20%-40% of regular price contends for the source that grab a room, destroyed a building to if grow,rent market "" hire apartment to explode storehouse, explode than P2P certainly thunder is fiercer " , these each censure hit freely crucial point continuously.

"Not easy in the past, very difficult now, future more challenge, "On August 19, xiong Lin makes a statement say, "All discussion with the proposal, be based on fact and client value, we close seriously, redouble his efforts to optimize promotion. Solve complex problem, angst, impatient, label changes meeting aggravate complex, need patient, courage, wisdom. Need patient, courage, wisdom..

Before one evening, xiong Lin and Zun Hui drink together one solution is gloomy. 7 years ago, faint the Zun Hui that feels Chinese dimensions changes the market that rent to will erupt, IBM chief strategy allows to seek advice from advisory Xiong Lin to join in when searching, undertake analysis and strategy are designed renting business.

Back in those days the building of catenary home is mandatory business, xiong Lin chooses to let freely make the world from proceed with of dispersive type apartment, heavy asset pays equal attention to operation. After interiorly does poineering work 5 years, freely begins independent operation, this dish of business most the element of core still is room source.

Freely wants to do, it is ground of circle of fast have a ride on a horse, will acquire a share through having room source to turn operation subtly from hematopoiesis ability. Run 1 million rooms, it is freely the task this year, this also is later one of germ that each district " grabs " of room big fight.

This year on January 16, freely announces to finish A annulus 4 billion yuan of financing. Zun Hui says, this day is the adult ceremony " that " freelies, value of 20 billion yuan of appraise when those already exceeded A the total market prise that couplet of world of person of the same trade goes.

Mere after 7 months, flower and applause disappeared. Drank wine, zun Hui also hard to avoid is sentimental, he encircles confide discomfort in the friend, "Ascribe phenomena of any a kind of society to the market strength of a kind of one-sided is narrow with not objective " .

Want to listen to him to explain without the person. Chummage soares, the capital of freely and its backside makes target of public criticism again, make Beijing government be in charge of a branch to rent an enterprise to put forward " to housing the 3 relevant and directive opinions that do not get " principle and stable rent.

A chain of enterprise was lived this day to build by Beijing on August 17 appoint talk about, freely ranks among them. After two days, guild of Beijing estate intermediary holds an informal discussion, the acceptance such as apartment of contain of freely, photograph, chorion takes skill what plan of the Communist Party of China exceeds 120 thousand to cover is all source of the room that put an amount is cast to the market.

Freely got 80 thousand job, affirmatory they add the room source that puts in the market newly to be able to maintain hire not to go up, the crisis hour of Dan Zunhui and freely can not go so easily. A more biting, more acerbic criticism Shan Yu is about to come, the combination of " of black intermediary of " of neat of round of heavy fist acts layer upon layer spread out.

Hangzhou vessel parent rents apartment explode storehouse, tore apart a the secrettest cut in this domain.

On August 20, announcement of Hangzhou vessel home says, because manage not to be pooh-poohed to bring about capital to rupture to already suspended operation, 4000 much tenement are damaged. They are censured, use 6 nets to borrow platform " to cover road " to rent a settle or live in a strange place, let tenement use network loan below unwitting circumstance.

Specific for, hire a guest to bind calm net to borrow platform through bank card, return every months still come to the amount with loan corresponding APP pay chummage; And after vessel home takes financial orgnaization to borrow money, not one-time settle accounts gives landlord, give only at most first quarter, the hire that recycle holds back goes dish leave more rooms.

This is meant, vessel home uses the credit that hires a guest namely, provide outspread fund to oneself. Every begin brushstroke professional work, covered brushstroke hire, can saying is " of white wolf of " empty glove.

Familiar recipe, familiar flavour. Magnesium light lamp arrives very quickly with respect to focusing on body of industry old freely, because freely early explored hire in installment service, borrowed ABS to add lever opportunely.

AssetBackedSecuritization of ABS English full name, namely capital negotiable securities is changed. What ABS reachs all sorts of develop produce is flush, ever was the United States in those days second the fuse that borrows the crisis, although product itself designs annulus annulus photograph to buckle, trade regulation closes plan is complex, but the existence that still cannot cast off systematization risk.

In end of freely client APP, clear line is worn the month pays, season pays, half an year pays (enjoy a service to expend a discount) , year pay (enjoy a service to expend a discount) , freely guest is enjoyed only mix in installment freely is white in installment these a few kinds of payment, among them hind both all have loan quality.

For instance, freely guest enjoys the consumption that is based on the setting that rent a house to derive namely in installment to borrow money in installment only, can enjoy a service to expend a discount 7 fold, in installment poundage is led 6.27% , in all 11 period. Freely is white be equivalent to hiring a guest to lend extraction brushstroke credit to freely, by a definite date a year.

In this mode, capital is so be on the move, choose instalment rent a settle or live in a strange place, mix first freely endowment canal signs the contract that rent, the passageway China that freelies together again external classics trade is fiducial sign loan contract; Rent a settle or live in a strange place borrow money in installment, be packed " freely building in installment ABS" , entrust fiducial orgnaization (in letter negotiable securities) go selling creditor's rights; The money that letter negotiable securities comes to collect in (it is to rent a settle or live in a strange place actually all all the year round chummage) one-time hit freely; Freely continues with this money outspread, designed exit a mechanism.

Later, rent a settle or live in a strange place every month gives financial orgnaization reimbursement. Be in suppose sometime paragraph, rate of the end an agreement that rent a settle or live in a strange place is elevatory, freely can be in short-term inside facing enormous capital pressure; If freely adopted too radical outspread strategy, the hire that decides the lock throws an autograph to make an appointment with bridal chamber source to go up entirely, catenary of such possible also financing rupture.

Assist even if strategy manages a group to combine father,Huang Lichong tells times weekly the reporter, grow to rent apartment or take a room to make the pattern of sublessor for the most part, "The house is not him, without property right, be forced to issue ABS with rent profit. Accrual ABS photograph is compared at property assets ABS, uncertainty is taller. Because latter has a house to be there, still have the rise in value of property, and former can rely on rent profit only, the risk is higher. The risk is higher..

"Long hire the question with the biggest boarding house, it is finance converts brought capital pool, "Place produces Wei of chief analyst magnify to tell times weekly the reporter in, "Freely was solved live insecure partial pain spot, but the pursuit that dimensions prompted pair of excessive price gain again. 700 thousand rooms that publicize external according to freely, average month rents every house 3000 computation, freely had built the capital pool of one billion four hundred and ten million and sixty-five thousand four hundred and eight level, this capital pool is one billion four hundred and ten million and sixty-five thousand four hundred and eight level.

Magnify Wei says, this also explained why to freely from catenary the home is broken away from come out, the purpose is superintended to avoid to violate the capital pool of compasses this namely. Freely those who play is a deadline that is core element with time covers benefit sport, decorate, sublease these complement that are capital pool only actually. It is freely not just, the manage room of catenary home is connected, the knack of doing business that conch gold dominates go up this logically in capital pool.

Xiong Lin before this also calm bear, "Freely respect advances through encouraging tenement hire and administration fee, can obtain enough ready money to flow, this share cash flows can form " of pool of capital of a floating.

This year in March, freely announces to be finished successfully store wear ABS (asset supports negotiable securities) head period product, freely 2 1 period establish. Did not come one year, freely still will be in hand in place to finish add up to 2 billion yuan capital negotiable securities turns a product.

Look in industry, can have two risks so, it is the loan that there is an user on platform hand, can coil the money runnings road; 2 once produce bedding face to accumulate bad Zhang,be, platform does not have a law to have bad Zhang share cut, want dance floor only one sky, the capital of all lender is not taken.

Theoretic, freely also has run potentially the likelihood of road and systematization risk. But the distinction of he and P2P is, the rate of break a contact that chummage borrows money one kind this in installment is extremely low, control according to freelying exposure has 0.4% only, and the bad Zhang rate of P2P platform is close to at every turn 10% . In addition, p2P capital pool is clear violate compasses act, and chummage in installment capital pool does not have relevant superintendency policy temporarily.

But at present, chummage is superintended in installment had gone up in the road. On August 23, beijing lives build appoint should combine the branch such as silver-colored inspect bureau, banking bureau, revenue to be investigated vigorously obtain evidence " hires a room to borrow " . They make known their position external, "In the light of housing the enterprise that rent is violated compasses use hire a room to borrow, once check solid, will from heavy punishment, combine chasten " .

Times weekly reporter from bureau of Beijing silver-colored inspect relevant personage place is informed, investigate at present still afoot, still fail to further result is released.

Old before, zun Hui has said he has a dream, the hope can resemble Bill Gates gaining success in IT bound in that way, also do a career one time in intermediary bound, buy room person, person selling a house and intermediary to unite as far as possible in the future friendly affection, each other is trustful.

But " of " black intermediary turned the pronoun that circuit made a trade again. According to understanding of times weekly reporter, this before today, beijing lives build appoint still be not the branch such as urgent minister service center jointly with industrial and commercial bureau of city public security bureau, city, city, opened " of black intermediary of 12345 blow " to complain inform against a hot line. Debut first days, freely 23 violate compasses intermediary orgnaization to be investigated namely, list subsequently by exposure, the content that is informed against includes to drive up chummage, hit partition group hire, compulsive loan pays hire to wait.

"At present great majority hires a guest to choose cash online pay, only relatively a few choice that rent a settle or live in a strange place in installment means. "Freely says, the company won't allow to enforce absolutely or delusive the behavior that hires a guest to have loan, won't undertake violating with this more compasses the operation that cover interest. If discover company staff has undeserved operation, once the company is checked, severity is investigated.

Be in by exposure hind, freely says, accept in the round relevant investigate a result, undertake deepness is checked oneself on the foundation here, rectify and reform stoutly, "Hire the market complex degree tall, involve bizygomatic breadth and deep. Freely still is fumbling as period burgeoning enterprise, face more complex market condition, fumbling very big promotion exists really on the particular way that develops pattern, improve a space. Fumbling very big promotion exists really on the particular way that develops pattern, improve a space..

But up to now, freely had be notted announce specific rectify and reform measure and level sex achievement. Whether can abandon "N+1" mode, adventitious of of short duration is talked.