Afterwards " raise up the price grabs a room, push tall hire " hind, the share is chief hire apartment to be exposed to the sun to go out again violate compasses use " hire is borrowed " , and bey of near future Hangzhou leases home of apartment firm vessel " explode storehouse " also be thought to be violated with its compasses use " hire is borrowed " about, cause public opinion to be opposite " financial tool + long rent apartment " the doubt with older pattern and anxious.
Nevertheless, media coverage says yesterday, wei Yongfeng of vessel home president answer dish " explode storehouse " beginning and end, express to explode the core of the storehouse is not P2P, transfer asset, the reason of capital and so on, core problem depends on closing did not control good above the room, cause price controlling a house tall, empty buy becomes much. In the meantime, operation cost is exorbitant, and flaw appeared again on management, was gotten by the salesperson chance, management not to be pooh-poohed caused capital short-term breach, plus a run on a bank, just appeared this result.
Nevertheless, the personage inside course of study still hires apartment to use hire to growing " deadline fault matchs " of generation " capital precipitates " the risk that has dilate expresses concern.
Place produces Wei of chief analyst magnify to think in, the problem surface with the biggest market that rent is hire rises, the question with actually bigger backside is to grow the capital catenary that hires house company to rupture likelihood. From the standard run an enterprise to look, what enterprise of the representative that rent earns is hire service fee and price difference, to hiring a company for main nonexistent risk. But the disbursement that more and more enterprises use hire is poor, give namely pay house-owner by the month, and collection tenement according to the quarter even half an year, a year, this kind brought hire difference. Use this hire difference to build capital pool, move makes him use, inevitable meeting has management risk.
He Liangyu of couplet fund general manager also thinks in, "Deadline fault matchs " with " capital precipitates " existence risk, last in the enterprise especially below the case that business ability is not worth or precipitation invests failure. And consume 3 kinds of non-standard case basically exist in borrowing: It is with the lease that rents a settle or live in a strange place be capture of a year of wholesale, but consumption is borrowed is however two years even 3 years; 2 it is to rent an enterprise to introduce all sorts of terms of payment inadequately, guide painstakingly conceal even rent a settle or live in a strange place false, its adopt prevail on formula of consumptive credit side; 3 it is to rent an enterprise to obtain " precipitation capital " hind, do not undertake advocate course of study is outspread, move does him to use.
Nevertheless, he Liangyu points out at the same time, capital precipitation is the real case that sublessor management mode brings, borrow with consumption without inevitable impact. Consumption borrowed mode to support the development of industry standard enterprise and bibcock enterprise, help enterprise and market form dimensions quickly, also give hired a guest to bring material benefit, be " good finance " . But in developing a process, exist really break the law violate compasses act, bring about a risk to expose, some even if close legally of compasses, also put in use consumption to shift exceeding circumstance or trend.
For this, he Liangyu suggests, it is to ensure deadline of contract of hire wholesale capture and loan time limit match. 2 be must announce loan action adequately, must not pass guide painstakingly, conceal the method prevail on such as information to hire a guest to choose consumption to borrow. 3 it is to answer to control use consumption to borrow scale of wholesale capture chummage appropriately, can consider proportion of link up with of as net as its enterprise assets on one hand, on the other hand OK also and proper control uses consumption to borrow the proportion that reachs chummage to take the full action that rent. 4 it is the use that superintends wholesale capture hire appropriately, basically should use at advocate course of study is outspread, avoid divert risk. "Of course, our country bank governs function without account, any management mode have belong to capital of enterprise oneself freedom and the cash reserve in a bank that belong company own reserves not completely to manage a problem, capital quality and use superintendency are a challenge. " he says.
To how superintending the capital of the enterprise that rent, landlord east Quan Li of apartment institute patriarch thinks, superintendency orgnaization can consider to build similar bank capital to lead the superintendency quota system of and so on amply, on the contented and certain foundation that consumes financial demand, control housing rents the leverage of the enterprise. In the meantime, also can build the contract that rent to put on record system, trends monitors the liquidity risk of the enterprise that rent.
