"Hire not only did not rise, perhaps paid hire to also wanted to be driven away. " with a lot of years light " north floats " same, the small Liu income that Beijing job takes after graduating last year is not high, chose some to grow those who hire apartment operation business to roll out " detain pays one " payment, the house was rented in Beijing. Announce to go bankrupt in the limited company of science and technology of vessel home network that sees the near future rolls out similar chummage to shift business likewise hind, he is afraid very.
The housing that causes wide attention rents company chummage to borrow random elephant, also get superintendency attention fully. On August 23, beijing lives build appoint express, in the light of housing the enterprise that rent violates compasses use chummage to borrow, combining revenue of bureau of city silver-colored inspect, city banking bureau, city to wait for sectional investigation to obtain evidence at present, once check solid, will from heavy punishment, associated chasten.
Although suffer controversy of late, but regard a kind of innovation that breeds the housing with tremendous potential to rent the market as mode, a lot of banks are borrowed to chummage or similar professional work somewhat sortie. And breeding after growing the design carrying a layer on the head that hires the market to make national level, the appeal that market of this blue sea fastens to the bank grows day and day. Here setting falls, how to defeat solution chummage to borrow random elephant, accomplish " chummage is not fried " , impartiality leaves " the house lives to be not fried " fixed position, be worth to think.
Caricature: Financial times Zhu Yanxiang
Chummage borrows random elephant to cause attention
Rent the market in this housing " eventful autumn " , former I love me domestic vice-president Hu Jinghui hires apartment to explode about growing of the storehouse remind, first time test and verify got on August 20. That day, the vessel home that is located in Hangzhou announces to bring about capital catenary to rupture because of managing not to be pooh-poohed.
As the insolvency of vessel home, chummage borrowed random elephant to be paid close attention to extensively. Many tenement expresses, in oneself unwitting circumstance falls, this company is lead its undertake binding deciding through bank card and orgnaization of tripartite finance, one-time pay vessel home rent, return every months again still give tripartite orgnaization corresponding amount. These amount are chummage no longer, pay tripartite the orgnaization however borrow money in installment.
According to " financial times " reporter understanding, with the orgnaization of tripartite finance that vessel home cooperates, besides 51 return (now more the name is " love goes into the street " ) , outside the Internet finance orgnaization such as beautiful nest, also include a commercial bank.
The chaos that chummage borrows is resembled also consist in is other the market of the city that rent. "I do not know those who make an appointment with to I am signed is network loan, intermediary is not carried, I also do not have scrutiny. " Xiaoliu takes out thickly dotted contract to give " financial times " the reporter looks, "He just recommended this kind to me to the utmost at that time ' detain pays one ' means, say pressure is little. Say pressure is little..
"The part serves trader to the acceptance that rent a settle or live in a strange place ' detain pays one ' , the photograph is commonner than renting a house ' detain pays 3 ' or ' detain pays 6 ' , ' detain pays one ' bigger to hiring a guest to have attraction. But in be being operated actually, they are renting a settle or live in a strange place however not below the case that know the inside story perhaps did not have adequately risk hints to renting a settle or live in a strange place, for its conduction chummage borrows a service, have stronger bewitch sex, con sex. " association of gold of Shenzhen each other was released on August 27 " about be on guard " long rent apartment " the risk of finance of Internet of industry condition experience hints " when express, this mode looks be like convenient, but the risk that tenement assumed divert of business of Wu of loan fund bedding and clothing below unwitting circumstance. Hire the risk of guest and capital of landlord existence loss, easy generation rents contract dispute.
Afore-mentioned orgnaizations say, the housing company that rent is lead hire guest and tripartite platform 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. This business mode grows the name that rents apartment with supporting a country to encourage development, have the feature of property of illegal embezzlement other actually, formed capital pool and deadline fault to match, lever tall, risk is big.
Emerge like backside undercurrent in disorder move
Housing is rented is the blue sea market with a huge potential. Release according to catenary home academy " rent rise abruptly " the report shows, 2015, 2016, china rents market dimensions to be in 1.1 trillion yuan probably, 2020 or will amount to 1.6 trillion yuan, will amount to 2.9 trillion yuan 2025, met more than 4 trillion yuan 2030.
This is the main reason that lets bank and housing rent a company to be fond of this domain so. In fact, go since year end, in the process that in each big bank grabs a beach to land chummage hire market, with housing the company that rent undertakes collaboration is a kind of important way. And in all sorts of innovation means after bilateral collaboration, chummage borrows mode row among them.
"The chummage in hand of the housing company that rent is borrowed not only income is high, very dispersive also, the bank that shifts pressure to be faced with a room, it is charming. " relevant personage expresses.
But, housing rents a company to have ulterior motives. "The loan of the bank is actual it is this kind of company has outspread, crushing a person of same business, make a of industry tycoon important chip thereby. Borrow through chummage, rent a settle or live in a strange place by ' gathered up two skins ' , one of the surface is to involve the rent that raise increasingly, one when be discovered more not easily is have the aid of of this kind of company the credence that rent a settle or live in a strange place undertakes developing. " afore-mentioned personages say.
And to " chummage is borrowed " may the market that rent " fry " those who rise is anxious also appear subsequently. "In the past, go up with house price a photograph comparing, our country chummage goes up a very little. Because is,cannot use lever among them formerly. And the occurrence that chummage borrows opened this door however. " afore-mentioned personages express.
In addition, the chummage that rolls out in the light of him banking borrows a product, the personage inside some banking to " financial times " the reporter discloses, a few banks are at present right at this business put borrow examine and approve formalities, borrow with the consumption of other type very much the same, not be too strict. This also is borrowed to chummage flow into other sphere to undertake the spec buries next culvert.
Chummage bank fastens chummage to borrow beard standard to develop
"The credit that has a bank endorses, shifting the normative development that waits for chummage hire product to chummage have profit. " personage of major of ministry of finance of some bank housing tells " financial times " reporter.
In fact, roll out chummage to borrow or the bank of similar product all the time in an endless stream. The near future, restful bank rolled out the chummage that does not have guaranty to borrow a product. Should express all right, this product is begun in Beijing pilot during, obtain good market echo. Should continue to face the key city such as Shanghai, Shenzhen, Guangzhou, Hangzhou, Chengdu, Wuhan to provide this service soon, with finance innovation means satisfies the living requirement of more citizen diversification.
As we have learned, this loan that converts through centralized, automation, intelligence serves flow to not have seam the built-in setting that rent a house, with long hire apartment, real estate to develop platform of business, government to wait strong strong together, form finally " the user is first, closed circuit wins more " commercial pattern.
Rent industry posture to compare with other finance orgnaization and housing, large and medium-sized the ability of financial science and technology with powerful bank, let its chummage borrow a product in implementation fast room is borrowed, convenient rent a settle or live in a strange place while, the risk also can accuse more. Restful bank expresses, this chummage borrows business to receive client of test and verify to file information through tripartite big data, simplify client application material. In the meantime, use the technology such as service of pattern recognition, fixed position, confirm client identity and intention, the credence that matures through this evaluates a system, come true to be examined and approve quickly.
In development chummage is borrowed when waiting for business of relevant and burgeoning loan, bank department needs to take a standard seriously. "The gives tenant loan that the Construction Bank rolls out, it is to extend directly in lessor hand, do not cross hand intermediary, so nonexistent the issue that puts lever to drive this market. We provide the financial service that needs accordingly to rent a settle or live in a strange place, satisfy its to live reach life demand, won't mandatory push send finance the service. " on August 29, zhang Lilin of Construction Bank assistant president expresses on news briefing of this outstanding achievement in year.
And below the support that ties normative development in the bank, housing rents the market or will avoid to weigh deformation of skip building city to develop the track of an overturned cart. "The Construction Bank drive construction of the housing that rent to regard as ' 3 old strategies ' one of. We want to ask according to center, solve a house to have living main function truly, our exert oneself is nodded, still basically furnish from much main body, much channel makes sure the respect provides the support of credit, make sure supply of market of the housing that rent can satisfy the requirement of the market. " Wang Zuji of Construction Bank president expresses on news briefing of the outstanding achievement in year.
This net heats up the near future civil
