Shenzhen comprehensive "chip speculation"
Shenzhen Special Zone daily news (reporter Zou Yuan), according to recent real estate transactions overheating, release regulation, Finance Office, March 4 "down payment loan", to banking, P2P, micro-credit companies and other institutions to thoroughly troubleshoot. Yesterday, the reporter learned that, in the course of preliminary investigation, found in chip mode of real estate is on the rise and growing potential. In this regard, the Shenzhen Association of Internet financial official issued a notice, Internet financial enterprises of the whole city stops "chip speculation" real estate financing business, and engage in self-examination and self-correction and cleanup.
The comprehensive "chip speculation"
It is reported that at present, more than more than 130 small loan company in Shenzhen, mainly involved in "down-payment loan" business 4; Internet financial sectors in January 2015 to February 2016, Shenzhen has 86 home lending platform for P2P network launched a housing-related assets of financial business, which directly to "down-payment loan" doing business on behalf of 12, trading turnover of 17.119 billion yuan involved. At present, the platform has asked all companies and stop all on "down-payment loan" real estate finance projects.
Shenzhen Association of Internet financial said "down payment loan" discovered during the investigation, recently the city part of the real estate business, real estate agency, raised platform, P2P and other agencies launched "chip speculation" real estate financing businesses, raising investor funds through letters, the Internet and other platforms, the partnership purchased real estate.
"Chip speculation" is not only suspected of illegal fund-raising, there is risk of investor funds were illegally used, easily triggered "activist" events, are suspected of evading State regulation, lack of purchasing power or due to the restriction of people who cannot purchase violation property purchases, an increase of price fluctuations in case of default probability, easily lead to systemic financial risk.
For risk prevention, promote the steady and healthy development of real estate and financial markets, Shenzhen Association of Internet financial official issued a notice yesterday, the city's financial firms on the Internet the complete cessation of "chip speculation" real estate finance and carry out self-examination and self-correction and cleanup:
First, the enterprise from now on, no "chip speculation". For stock business terminated immediately and cleaned up. Any enterprise shall not through change "name", and to line Xia raised, way continues to carried out business; second, Association will in May 1 Qian, full carried out Internet financial industry mapping troubleshooting, self-examination since correcting and cleanup work; third, Association will close concern and urged has has "all raised fried floor" business of enterprise self-examination rectification, for not active self-examination rectification of enterprise, will take further self-discipline measures, and as city financial risk focus troubleshooting object.
Rational response to guard against risk
Analysis of the industry, "chip speculation" behind it for two reasons: investors on the one hand on the price of a bullish Outlook and savings in the hands of good investment channel could not be found. In the past more than 10 years, real estate has always been considered safe, high income rate of inflation-protected investments. In the current property market "high fever", stock market uncertainty node, property investment advantage is more obvious. In this hot real estate, however, many people tend to blindly follow the admission, and hopes that "down-payment loan" "raise real estate" by means of a piece with their limited funds.
The other hand, first popular in the property market, and stock enough scale, value of real estate investment property is recognized and so on. Speculators saw the "money scene", previously "whip-speculation" moved from offline to online, through the "pseudo-chip" way to raise the down payment of the House, holds the value that is sold in the short term.
"The market is not a panacea, because of information asymmetry, lever House, partnership, real estate, behind such as speculative real risk, investors need a rational view of increased vigilance. "Internet financial said it can enliven the capital raised, making liquidity strengthened. But at the same time, financing for all the gold speculation will also face a number of risks, property prices up not down not only once the market fluctuates, and lead to the risk of investors need to carefully assess.
(Editors: Xu Yonggang UN006)
2016-03-19 10:09:32
Integrated
深圳全面禁止“众筹炒楼”
深圳特区报讯（记者 邹媛）针对近期房地产交易过热现象，3月4日市金融办出手整治“首付贷”，对银行机构、P2P、小额贷款公司等机构进行摸底排查。昨日，记者了解到，在初步排查的过程中，发现以众筹模式的炒房正在升温，并大有愈演愈烈之势。对此，深圳市互联网金融协会正式下发通知，全市互联网金融企业全面停止开展“众筹炒楼”房地产金融业务，并进行自查自纠和行业清理工作。
全面禁止“众筹炒楼”
据悉，目前，深圳130多家小贷公司中，主要参与“首付贷”业务的有4家；互联网金融行业方面，2015年1月至2016年2月，深圳有86家P2P网贷平台开展了涉房资产交易的金融业务，其中直接以“首付贷”名义做业务的有12家，涉房交易业务成交额达171.19亿元。目前，已要求所有涉及公司及平台停止所有关于“首付贷”等房地产金融项目。
深圳市互联网金融协会表示，在“首付贷”排查过程中发现，近期我市部分房地产企业、房地产中介、众筹、P2P等机构平台推出“众筹炒楼”房地产金融业务，即通过微信、互联网等平台筹集投资人资金，合伙购买房产。
“众筹炒楼”不仅涉嫌非法集资，存在投资人资金被非法利用风险，易引发“维权”事件，也涉嫌规避国家有关监管政策，让购买力不足或由于限购无法购房的人违规购买房产，增加了房价波动情况下的违约概率，极易引发系统性金融风险。
为防范风险，促进房地产和金融市场平稳、健康发展，深圳市互联网金融协会昨日正式下发通知，全市互联网金融企业全面停止开展“众筹炒楼”房地产金融业务，并进行自查自纠和行业清理工作：
第一，各企业自即日起，严禁开展“众筹炒楼”业务。对于存量业务立即停止募集并清理。任何企业不得通过更改“名称”、转为线下筹集等方式继续开展业务；第二，协会将在5月1日前，全面开展互联网金融行业摸底排查，自查自纠和清理工作；第三，协会将密切关注并督促已有“众筹炒楼”业务的企业自查整改，对于不积极自查整改的企业，将采取进一步自律措施，并列为全市金融风险重点排查对象。
理性应对 警惕风险
业内分析，“众筹炒楼”究其背后原因有两点：一方面是投资人对房价的预期看涨以及手里的积蓄找不到好的投资渠道。而在过去的10余年，房地产一直被视为安全性好、收益回报率高的抗通胀投资品。在当前楼市“高烧”、股市不明朗的节点上，房地产的投资优势更加明显。但在这场房地产的燥热中，许多人往往会盲目尾随入场，希望通过“首付贷”“众筹炒房”等手段，用自己有限的资金分得一杯羹。
另一方面，一线楼市受热捧，和库存规模不足、房产投资的增值属性受认可等因素有关。投机客正是看中这个“钱景”，将以往“凑份子炒楼”的行为从线下搬到了线上，通过“伪众筹”的方式凑齐房屋的首付款，在短期持有增值后即出售。
“市场并非万能之手，由于信息不对称，杠杆买房、合伙炒房、投机炒房等背后的风险，都需要投资者理性看待，多加警惕。”互联网金融人士表示，众筹这种模式可以盘活资金，使资金的流动性加强。但同时，众筹资金炒楼也会面临不少风险，楼市价格并非只涨不跌，一旦市场发生波动，中间引发的风险都需要投资者谨慎评估。
(责任编辑：徐永刚 UN006)
2016-03-19 10:09:32
综合