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房企、中介、互联网公司等推房地产+互联网金融产品(图)

来源: 南方日报网络版     时间: 2019年07月19日 20:47:58
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(  今)(年)(以)(来)(,房)(地)(产)(+互)(联)(网)(已)(经)(不)(再)(像)(开)(始)(时)(的)(网)(上)(卖)(房)(,打)(着)(众)(筹)(名)(义)(吸)(引)(眼)(球)(的)(噱)(头)(也)(变)(少)(了)(,而)(借)(助)(互)(联)(网)(金)(融)(的)(名)(义)(进)(行)(资)(本)(运)(作)(的)(产)(品)(大)(增)(。目)(前)(,市)(面)(上)(房)(地)(产)(+互)(联)(网)(金)(融)(类)(的)(产)(品)(琳)(琅)(满)(目)(,可)(是)(大)(家)(对)(它)(们)(了)(解)(吗)(?本)(期)(我)(们)(从)(预)(期)(收)(益)(、主)(要)(市)(场)(、提)(供)(方)(等)(方)(面)(带)(你)(了)(解)(各)(种)(地)(产)(“宝)(”。谁)(在)(做)(  房)(企)(、中)(介)(、金)(融)(公)(司)(、互)(联)(网)(公)(司)(等)(加)(入)(  事)(实)(上)(,去)(年)(开)(始)(,已)(有)(开)(发)(商)(盯)(上)(了)(房)(地)(产)(+互)(联)(网)(金)(融)(的)(“蛋)(糕)(”。  “一)(般)(地)(,开)(发)(商)(拿)(地)(之)(后)(9个)(月)(才)(能)(销)(售)(回)(款)(。如)(何)(合)(法)(地)(在)(还)(没)(有)(取)(得)(销)(售)(许)(可)(证)(的)(时)(候)(,就)(能)(够)(实)(现)(大)(量)(回)(款)(以)(缓)(解)(其)(资)(金)(压)(力)(,正)(是)(开)(发)(商)(感)(兴)(趣)(的)(话)(题)(。恰)(恰)(房)(地)(产)(和)(互)(联)(网)(金)(融)(的)(结)(合)(为)(大)(家)(提)(供)(了)(这)(样)(一)(种)(可)(能)(性)(。”一)(位)(房)(地)(产)(从)(业)(人)(士)(介)(绍)(,目)(前)(无)(论)(是)(购)(房)(者)(还)(是)(开)(发)(商)(,对)(于)(互)(联)(网)(金)(融)(产)(品)(都)(有)(所)(需)(求)(。“开)(发)(商)(渴)(望)(通)(过)(金)(融)(产)(品)(来)(回)(笼)(部)(分)(资)(金)(,而)(类)(似)(首)(付)(贷)(一)(类)(的)(产)(品)(对)(于)(存)(款)(不)(足)(但)(还)(款)(能)(力)(较)(高)(的)(购)(房)(者)(也)(是)(有)(力)(的)(补)(充)(。”  纵)(观)(目)(前)(投)(身)(房)(地)(产)(+互)(联)(网)(金)(融)(行)(业)(的)(企)(业)(,根)(据)(行)(业)(背)(景)(可)(分)(为)(四)(大)(类)(:  第)(一)(类)(是)(房)(产)(中)(介)(和)(媒)(体)(推)(出)(的)(针)(对)(C端)(的)(首)(付)(贷)(款)(,这)(一)(类)(主)(要)(是)(以)(做)(平)(台)(端)(为)(主)(。第)(二)(类)(是)(以)(万)(达)(、绿)(地)(为)(代)(表)(的)(实)(力)(雄)(厚)(的)(房)(企)(,自)(己)(成)(立)(金)(融)(事)(业)(部)(,经)(营)(金)(融)(类)(产)(品)(。第)(三)(类)(则)(是)(传)(统)(的)(金)(融)(公)(司)(比)(如)(平)(安)(保)(险)(,它)(们)(同)(互)(联)(网)(企)(业)(或)(者)(房)(地)(产)(中)(介)(、媒)(体)(合)(作)(,打)(造)(房)(地)(产)(+互)(联)(网)(金)(融)(类)(产)(品)(。第)(四)(类)(是)(创)(新)(型)(的)(互)(联)(网)(公)(司)(,它)(们)(具)(有)(极)(强)(的)(互)(联)(网)(思)(维)(和)(行)(业)(优)(势)(,同)(时)(也)(很)(了)(解)(房)(地)(产)(领)(域)(的)(行)(业)(特)(点)(。  这)(四)(类)(公)(司)(所)(经)(营)(的)(产)(品)(都)(有)(着)(一)(定)(的)(相)(似)(之)(处)(,但)(同)(时)(由)(于)(各)(自)(的)(行)(业)(背)(景)(不)(同)(,也)(有)(着)(鲜)(明)(的)(特)(点)(。(详)(见)(表)(格)()  为)(什)(么)(能)(“结)(合)(”  开)(发)(商)(能)(融)(资)(、顺)(利)(卖)(房)(;购)(房)(者)(能)(补)(充)(首)(付)(;投)(资)(人)(赚)(到)(收)(益)(  一)(个)(是)(传)(统)(的)(房)(地)(产)(业)(,一)(个)(是)(新)(兴)(的)(互)(联)(网)(金)(融)(行)(业)(,它)(们)(为)(什)(么)(会)(“结)(合)(”到)(一)(起)(?  “其)(实)(房)(地)(产)(业)(在)(很)(大)(程)(度)(上)(已)(经)(是)(金)(融)(企)(业)(了)(。”中)(国)(互)(联)(网)(金)(融)(创)(新)(研)(究)(院)(院)(长)(、中)(央)(财)(经)(大)(学)(教)(授)(黄)(震)(指)(出)(,近)(些)(年)(来)(,房)(地)(产)(企)(业)(的)(发)(展)(是)(得)(益)(于)(金)(融)(创)(新)(的)(支)(持)(的)(,从)(按)(揭)(贷)(款)(到)(建)(设)(企)(业)(垫)(资)(开)(发)(,都)(有)(金)(融)(创)(新)(在)(里)(面)(。而)(房)(企)(之)(所)(以)(同)(互)(联)(网)(金)(融)(行)(业)(相)(结)(合)(,一)(方)(面)(是)(由)(于)(房)(企)(本)(身)(面)(临)(着)(巨)(大)(的)(资)(金)(压)(力)(,另)(一)(方)(面)(也)(是)(看)(中)(了)(金)(融)(行)(业)(的)(高)(利)(润)(。“过)(去)(房)(地)(产)(企)(业)(做)(融)(资)(,也)(是)(通)(过)(银)(行)(贷)(款)(等)(正)(规)(金)(融)(企)(业)(,受)(制)(于)(人)(。而)(民)(间)(金)(融)(和)(民)(间)(融)(资)(风)(险)(又)(大)(。互)(联)(网)(金)(融)(相)(对)(门)(槛)(较)(低)(,但)(是)(能)(够)(帮)(助)(他)(们)(提)(供)(一)(个)(融)(资)(平)(台)(。”黄)(震)(表)(示)(。  搜)(易)(贷)(COO蒋)(轩)(则)(从)(购)(房)(者)(、开)(发)(商)(和)(投)(资)(人)(的)(角)(度)(,更)(详)(细)(地)(解)(释)(了)(房)(地)(产)(同)(互)(联)(网)(金)(融)(行)(业)(相)(结)(合)(背)(后)(的)(逻)(辑)(关)(系)(。“目)(前)(购)(房)(时)(银)(行)(在)(大)(部)(分)(区)(域)(只)(能)(覆)(盖)(70%的)(按)(揭)(贷)(款)(,而)(这)(里)(面)(首)(付)(的)(补)(充)(贷)(款)(需)(求)(是)(很)(庞)(大)(的)(。”蒋)(轩)(表)(示)(,“类)(似)(首)(付)(贷)(这)(样)(的)(房)(地)(产)(金)(融)(类)(产)(品)(能)(够)(对)(接)(购)(房)(人)(、开)(发)(商)(、投)(资)(人)(三)(类)(人)(群)(。在)(这)(一)(过)(程)(中)(购)(房)(人)(获)(得)(首)(付)(,投)(资)(人)(赚)(到)(收)(益)(,开)(发)(商)(则)(能)(顺)(利)(卖)(出)(房)(子)(。”  有)(何)(风)(险)(  用)(各)(种)(“宝)(”之)(前)(需)(要)(考)(虑)(自)(身)(的)(风)(险)(承)(受)(能)(力)(、还)(款)(能)(力)(  而)(对)(于)(目)(前)(房)(地)(产)(行)(业)(同)(互)(联)(网)(金)(融)(相)(结)(合)(可)(能)(存)(在)(的)(风)(险)(,业)(内)(人)(士)(也)(分)(析)(认)(为)(,传)(统)(房)(地)(产)(不)(擅)(长)(搞)(金)(融)(,向)(金)(融)(地)(产)(转)(型)(有)(专)(业)(风)(险)(;而)(部)(分)(P2P平)(台)(风)(险)(控)(制)(不)(达)(标)(,“跑)(路)(”事)(件)(时)(有)(发)(生)(。  “目)(前)(来)(看)(,可)(能)(存)(在)(的)(风)(险)(主)(要)(有)(专)(业)(性)(风)(险)(,经)(营)(风)(险)(和)(政)(策)(性)(风)(险)(三)(种)(。”黄)(震)(解)(释)(,“专)(业)(性)(风)(险)(和)(经)(营)(风)(险)(都)(有)(可)(控)(的)(办)(法)(,比)(如)(同)(专)(业)(金)(融)(机)(构)(或)(经)(营)(团)(队)(合)(作)(,加)(强)(风)(险)(控)(制)(等)(。但)(是)(最)(大)(的)(风)(险)(可)(能)(来)(自)(政)(策)(面)(上)(,并)(且)(难)(以)(预)(防)(和)(控)(制)(。”他)(表)(示)(,目)(前)(我)(国)(尚)(未)(针)(对)(P2P融)(资)(平)(台)(完)(全)(设)(定)(好)(门)(槛)(和)(有)(关)(的)(行)(业)(标)(准)(,一)(些)(企)(业)(抢)(时)(间)(窗)(口)(,急)(着)(入)(场)(。而)(一)(些)(慎)(重)(的)(企)(业)(家)(则)(在)(观)(望)(。  “这)(就)(需)(要)(我)(们)(的)(房)(地)(产)(企)(业)(在)(拥)(抱)(互)(联)(网)(金)(融)(的)(时)(候)(不)(要)(盲)(目)(,要)(通)(过)(合)(法)(合)(规)(的)(方)(式)(去)(做)(互)(联)(网)(金)(融)(的)(有)(关)(业)(务)(,加)(强)(风)(险)(防)(范)(,特)(别)(是)(对)(自)(融)(的)(行)(为)(要)(杜)(绝)(。”黄)(震)(建)(议)(,对)(于)(使)(用)(互)(联)(网)(金)(融)(产)(品)(的)(独)(立)(借)(款)(人)(来)(讲)(,同)(银)(行)(贷)(款)(一)(样)(,在)(办)(理)(之)(前)(也)(要)(考)(虑)(自)(身)(的)(还)(款)(能)(力)(和)(风)(险)(承)(受)(能)(力)(。  本)(版)(采)(写)(/新)(京)(报)(记)(者)(陈)(禹)(铭)(实)(习)(生)(唐)(艺)(赫)(来)(源)(中)(国)(新)(闻)(网)()
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