The closest period of time, "Hire a room to borrow " see Zhu Baoduan time and again, the choice that rent a settle or live in a strange place grows to rent apartment and sign the discovery after the contract, it is to rent a house originally, the result carries brushstroke loan on the back however. In " hire a room to borrow " below mode, it is to press a month to pay rent on tenement name, but it is to be in actually remand to platform of tripartite finance the month that chummage borrows money in installment is offerred.
In view of " hire a room to borrow " the problem is heavy, beijing lives build appoint say, in the light of housing the enterprise that rent is violated compasses use " hire a room to borrow " , combining relevant department investigation to obtain evidence at present.
Accept " legal daily " the expert proposal that the reporter covers, to intermediary orgnaization associated net borrows platform con tenement " change hire to borrow " behavior, should severity punishs, raise illegal cost. In the meantime, inside frame of existing banking law, allow to add up to the financial orgnaization of compasses in order to join the business circuit of compasses, add up to the interest rate standard of compasses to begin a building to rent the market in installment business.
"Hire a room to borrow " adjusting control of serious effect government
Ms. Zhang that lives in Beijing grows in some hired apartment platform to lease a building, "When we sign a contract, intermediary let me sign two years. Actually I want to hire a year only, but his blame lets me sign two years " .
Does Ms. Zhang say to media: ? Intermediary of square? of Yan of calf of dark agitate bright is rented with respect to what let me sign tripartite in installment platform, I do not know it is to rent at that time in installment platform. Intermediary says, if choose the way that pays by the month, and it is detain pays the word of one, have to sign this platform. I ask what this platform does to use, intermediary says even if be in charge of gathering, every month is gone to inside it is good to make money. Every month is gone to inside it is good to make money..
Later, intermediary let Ms. Zhang sign a bank to get stuck to buckle paragraph agreement automatically again. After the event, ms. Zhang just notices, this chummage that she thinks the renting platform of gathering paid 24 months for her generation actually originally, and she the rent that every month institute pays is chummage borrows money in installment actually.
What Ms. Zhang encounters is compulsive loan pays rent, namely what everybody says " hire a room to borrow " .
Actually, "Hire a room to borrow " not only consist in Beijing, other city also has appeared similar case.
Recently, a length of city of Zhejiang province Hangzhou of a limited company of science and technology of network of the home that it is a vessel rents apartment " explode storehouse " , the company releases an announcement to say to bring about capital to rupture because of managing not to be pooh-poohed, already suspended operation, 4000 much resident are damaged.
According to media coverage, vessel home company uses 6 nets to borrow platform " cover a region " rent a settle or live in a strange place, let tenement use network loan below unwitting circumstance. Hire a guest to bind calm net to borrow platform through bank card, return every months still pay rent to the amount with loan corresponding App; After vessel home company takes financial orgnaization to borrow money, not be one-time settle accounts gives landlord, use the hire that hold back however dish leave more rooms.
This is introduction of the personage inside course of study " hire a room to borrow " mode: ? Large bamboo hat of ⑵ of of ぷ of Piao в Yin holding sb in respectful awe ascends ┒ ┖ virtuous? to grow hire apartment to use this contract to borrow money in order to hire the guest's name in installment to chummage of application of platform of finance of tripartite Internet, tripartite platform will be one-time to grow all hire that hires apartment to pay contract period, it is to press a month to pay rent on tenement name, but it is to be in actually remand the month that this chummage borrows money in installment is offerred.
Guo Tianyong of research center director says course of study of Bank of China of university of central finance and economics, orgnaization of finance of a few Internet to enlarge discharge, enlarge business dimensions quickly inside short time, can adopt all sorts of methods to begin professional work blindly, the fund that includes a tomorrow even has loan as gage.
Guo Tianyong thinks, no matter will look from business flow or risk management, "Hire a room to borrow " have more flaw.
In institute of finance of the Chinese Academy of Social Sciences law and Yin Zhentao of financial lab vice director look, "Hire a room to borrow " mode of operation is, housing rents an enterprise to wait for a variety of finance channel to gain sth used to one's own advantage through bank loan, enlarge room source next, the price that obtains a building to rent the market counterpoises, but this kind of way is objective went up to affect a government badly to accuse to the price one's style of work as well as one's moral quality of estate market.
Punish severely violate compasses behavior to raise illegal cost
In the light of violate compasses " hire a room to borrow " , the branch has moved related Beijing and other places.
On August 17, beijing lives build appoint apartment of contain of freely, photograph, chorion talks to wait for 10 main housing to hire company controller about in combining Duobumenji. Does specific requirement housing rent enterprise: ? Is of blown away by wind writes Wan to heat up Mi late Pan > mire type Qu Jian jumps hertz to strap bad blown away by wind of crowded throat hesitating standing tall and upright to wish does of ∷ of smile banter humorous fall mire bulbul of Tun of ё of Pang of Tun Gua oyster straps crowded throat hesitating standing tall and upright of bad fierce ü ?
On August 22, beijing lives build appoint wait for a branch jointly with industrial and commercial bureau of city public security bureau, city, opened 12345 blow " black intermediary " complain inform against a hot line. Inform against complain a hot line to debut the first day, receive in all complain inform against 52, include among them " compulsive loan pays rent " problem.
Yin Zhentao tells " legal daily " reporter, in be operated actually, housing rents an enterprise to turn hire into compulsively perhaps loan, perhaps turn hire into loan secretly, bring about tenement to be below the condition that be forced or does not know to financial orgnaization in installment reimbursement, this is a kind of fraudulent action actually, it is a kind of illegal behavior, must punish severely.
Yin Zhentao thinks, right " hire a room to borrow " also cannot deny entirely, serve as a kind in installment business, if hire Fang Renming to know hire is to pass the means of loan to solve truly, also accord with commercial logic, what at that time need does is consideration interest rate whether regulation of be good law, in installment whether does reimbursement accord with tenement actual condition.
Yin Zhentao tells " legal daily " reporter, if stay in chummage hire enterprise to let tenement through fraudulent compulsive perhaps means,sign " hire a room to borrow " agreement, need tenant on one hand exit means reasonably, hire a company to housing at the same time violate compasses behavior to undertake punishing severely, let its assume corresponding responsibility, raise its to violate cost.
Will " hire a room to borrow " bring into finance to superintend
As we have learned, in the light of housing the enterprise that rent is violated compasses use " hire a room to borrow " , beijing lives build appoint combining the sectional investigation such as bureau of Beijing silver-colored inspect, banking bureau, revenue to obtain evidence at present, severe the financing source that investigates these intermediary orgnaizations and flow direction, once check solid, will from heavy punishment, associated chasten.
Does Guo Tianyong say: ?
Look in Yin Zhentao, enter housing to rent the market to capital, especially capital not plan cost this kind of means, superintendency branch needs to pay close attention to means of loan of capital way, bank closely to wait, prevent to violate the happening of compasses behavior, also do not need to prohibit directly at the same time of venture capital investment enter, superintending frame to fall lawfully after all, the course is sober period later, capital can be exited gradually.
Yin Zhentao returns a proposal, to renting a house in installment business, in existing finance superintendency frame falls, can allow financial orgnaization to be managed lawfully, strengthen to this business at the same time superintend, include standard of business flow, interest rate to wait; Make clear those who set relevant company to tell obligation at the same time, the law that tells tenement clarity is sequential, let tenement decide to whether choose.
Gao Jieying of assistant dean of college of finance of university of capital classics trade thinks, for the angle from the market, if the enterprise is closing the base of compasses legally, run through capital market borrow money or financing, should be allowed, but for the angle that superintends from the market, be aimed at the innovation of certain domain, superintend should catch up with in time. Strengthen superintend, basically be the normative sex that is aimed at these mode now, operation, should make of this market move inside the limits that can accuse.
Chen Lei of daily of □ legal system
