The near future, about " capital intervenes long hire apartment to push tall hire " discuss the attribute that causes people to examine its finance afresh. And the insolvency of vessel home discusses this push to more in. On August 20, 2018, because manage not to be pooh-poohed to bring about capital to rupture,the vessel parent of Hangzhou rents apartment, announce to suspend operation. Also accordingly, the hire operation mode of high risk enters public field of vision, drag in among them " hire is borrowed " cause superintendency orgnaization to take seriously.
Why to borrow for hire?
Alleged hire is borrowed (also say to hire a room to borrow) , point to enter as capital long hire the market, long hired apartment to be put on the colour of financial product, hire a guest to be able to consume borrowed form to apply for the loan that rent a house, operation business also can change financing through capital negotiable securities.
On August 27, association of banking of Shenzhen city Internet (the following abbreviation " association " ) release " about be on guard " long rent apartment " the risk of finance of Internet of industry condition experience hints " . To violating compasses " hire is borrowed " business, association is such descriptions.
"Hire is borrowed " those who point to is to rent a settle or live in a strange place to orgnaization of tripartite finance or P2P network leasehold platform applies credit, the orgnaization is one-time will be equal to give a service trader at the capital make loans of a year of hire, but service business did not give landlord total capital, formed capital to take up. Apparently hire a guest to pay rent by the month, it is to loan every months the orgnaization still is borrowed actually.
Sublessor pushs tall hire to bring heat to discuss, or be suspected of capital pool
Growing hire house market, consumptive finance not only reduced the rent burden that rents a settle or live in a strange place, also hire apartment operation dealer to grow at the same time (point to sublessor mode more) brought traditional banking orgnaization cannot the precipitation capital of accord, if adding up to the premise of compasses, this is pair of winning results originally.
But the fashion that the problem consists sublessor using fund is too straightforward, through tall hire from primitive landlord over there large-scale control a house, wanton raise up the price is fooled grab primitive room source, caused the accretion of risk n. The form that hires a guest to adopt wholesale to hand in to obtain certain privilege can exist for certain, can form money of the pay that rent a settle or live in a strange place and intermediary not to match to the deadline of money of primitive landlord pay certainly so, regular meeting forms capital precipitation, the acceleration that consumed finance to promote this trade develops, also make relevant risk is exposed ahead of schedule.
The personage inside course of study expresses, at present " hire is borrowed " already reduced service business blind dilate or the tool that have high venture capital investment, caused involve wide adverse effect.
On August 20, because capital catenary ruptures and Hangzhou vessel home announces to go bankrupt, risk of break a contact transfers landlord directly, hire guest and net to borrow platform, bring about landlord to fail to get rent as scheduled. To renting a settle or live in a strange place for, although loan platform is at present comprehensive already,solution borrows money in installment besides what rent a settle or live in a strange place, but hire a guest to also facing a loss cash pledge, new seek the issue such as the room.
Association expresses, service business undertakes designing through renting contract provision to the building, below the premise that undertaking to renting a settle or live in a strange place adequately risk hints revulsive hire platform of guest and Internet finance to sign loan contract, hold back the loan fund that is used at paying rent to landlord originally, be suspected of property of illegal embezzlement other, cause hire guest, landlord the significant loss of legal interest.
Superintend take seriously, prohibit each other gold is violated compasses begin professional work
On August 17, beijing lives build appoint, the much branch such as revenue of bureau of city silver-colored inspect, city banking bureau, city is right when housing rents an enterprise to talk about, put forward " 3 must not " in the requirement, the first stays in chummage hire enterprise to must not use the fund that the financing channel such as bank loan gets namely source of room of malign competition race to control. And live in city build appoint the hires a company to housing combination that has started is special execute the law in the examination, the act that does not use financing fund by conventional utility also is included " 3 severe check " one of.
On August 23, beijing lives build appoint relevant controller reiterates, city lives build appoint had waited for investigation jointly with bureau of city silver-colored inspect, city banking bureau " hire a room to borrow " , will severe the financing source that investigates the orgnaization that rent and flow direction, once check fact general from severe punishment.
On August 27, association of banking of Shenzhen city Internet appeals Internet finance platform ought to strictly observe legal bottom line, strengthen autonomic management, insist to combine plan development. In the meantime, strengthen examine and verify of the aptitude that give a letter and risk management, forbidden with break the law violate compasses be engaged in growing the intermediary that hires apartment business to serve business to begin similar " hire is borrowed " business cooperates, must not accept the service that with its risk acknowledge does not accord with with publicizing misdirect finance consumer falsely.
Is district of the housing industry that rent in He Fang?
Long hire apartment collection to hire customer deposit, collection shifts to an earlier date to hire guest annual hire through financial platform in the meantime, except the part in order to pays landlord after capital putting in collect 's charge, major fund uses scale of amount of outspread house property. Once capital catenary ruptures, can cause massive client loss.
Concerned expert expresses, capital precipitation itself, if pass a contract to make clear an agreement, do not calculate violate compasses, but the risk that causes to this itself needs to pay close attention to closely, superintend need interpose when necessary. But if rent a settle or live in a strange place,be below unwitting circumstance use network borrows money, be involved in of orgnaization of loan of tripartite network, hire of this kind of divert establishs the act of capital pool, belong to break the law violate compasses act.
Undeniable, the housing industry that rent exists to be superintended certainly really in current development process be short of break, also rapid development causes the trade this. Notable is, it is information opaque for intermediary abusive capital provided umbrella. Explode now the problem that come out is many intermediary " deceit " rent a settle or live in a strange place, loan contract was signed below circumstance of the unwitting that rent a settle or live in a strange place, namely " compulsive loan pays rent " .
Accordingly, be necessary to face vitrification of form of this one loan from policy layer, tell obligation to hiring a guest to execute, make necessary explanation. Meanwhile, must strengthen to hiring the early days examine and verify of house industry financing and later period capital to superintend, lest appear new financial venture.
