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自如违规被查!租房变贷款,左手借通道放贷右手ABS融资模式受质疑

来源: 南方日报网络版     时间: 2019年08月23日 04:33:56
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(而)(动)(辄)(上)(万)(字)(的)(房)(屋)(租)(赁)(合)(同)(充)(斥)(着)(各)(种)(专)(业)(术)(语)(,对)(于)(没)(有)(法)(律)(背)(景)(知)(识)(的)(人)(来)(说)(非)(常)(的)(晦)(涩)(难)(懂)(,许)(多)(初)(入)(社)(会)(又)(缺)(乏)(经)(验)(的)(大)(学)(毕)(业)(生)(往)(往)(会)(轻)(信)(中)(介)(的)(话)(,而)(没)(有)(去)(仔)(细)(研)(究)(其)(中)(的)(条)(款)(,等)(到)(退)(租)(后)(才)(发)(现)(和)(最)(初)(许)(诺)(的)(并)(不)(一)(致)(。
法)(律)(界)(人)(士)(指)(出)(,由)(于)(没)(有)(意)(识)(到)(贷)(款)(合)(同)(的)(存)(在)(,借)(款)(人)(往)(往)(冒)(着)(巨)(大)(的)(风)(险)(,如)(果)(逾)(期)(或)(还)(不)(上)(贷)(款)(,还)(将)(影)(响)(个)(人)(征)(信)(。
由)(此)(,不)(难)(能)(理)(解)(为)(何)(中)(介)(强)(制)(贷)(款)(付)(租)(金)(成)(为)(了)(北)(京)(市)(住)(建)(委)(开)(通)(“黑)(中)(介)(”举)(报)(热)(线)(后)(的)(投)(诉)(热)(点)(之)(一)(。
“合)(法)(不)(合)(规)(”
自)(如)(为)(链)(家)(旗)(下)(品)(牌)(。根)(据)(工)(商)(登)(记)(信)(息)(显)(示)(,此)(次)(被)(查)(处)(的)(北)(京)(自)(如)(生)(活)(资)(产)(管)(理)(有)(限)(公)(司)(成)(立)(于)(2015年)(,注)(册)(资)(本)(为)(1000万)(元)(,左)(辉)(为)(董)(事)(,法)(定)(代)(表)(人)(为)(单)(一)(刚)(。
值)(得)(注)(意)(的)(是)(,自)(如)(等)(长)(租)(公)(寓)(运)(营)(商)(并)(不)(具)(备)(消)(费)(金)(融)(牌)(照)(和)(小)(额)(贷)(款)(牌)(照)(,不)(能)(直)(接)(向)(个)(人)(发)(放)(贷)(款)(。根)(据)(小)(张)(向)(蓝)(鲸)(财)(经)(出)(示)(的)(合)(同)(显)(示)(,贷)(款)(人)(即)(发)(放)(贷)(款)(的)(机)(构)(为)(中)(国)(对)(外)(经)(济)(贸)(易)(信)(托)(有)(限)(公)(司)(。
有)(消)(费)(金)(融)(业)(内)(人)(士)(向)(蓝)(鲸)(财)(经)(指)(出)(,自)(如)(等)(长)(租)(公)(寓)(运)(营)(商)(通)(过)(设)(立)(信)(托)(,以)(通)(道)(方)(作)(为)(受)(托)(人)(,由)(受)(托)(人)(发)(放)(信)(托)(贷)(款)(的)(方)(式)(间)(接)(向)(租)(客)(发)(放)(住)(房)(分)(期)(贷)(款)(。
“自)(如)(没)(有)(牌)(照)(,无)(法)(直)(接)(发)(放)(信)(贷)(,信)(托)(公)(司)(在)(其)(中)(扮)(演)(了)(通)(道)(的)(角)(色)(。”一)(位)(消)(费)(金)(融)(业)(人)(士)(对)(蓝)(鲸)(财)(经)(分)(析)(道)(。据)(其)(透)(露)(,借)(助)(信)(托)(通)(道)(发)(放)(贷)(款)(的)(“玩)(法)(”在)(非)(持)(牌)(的)(消)(费)(金)(融)(机)(构)(中)(非)(常)(常)(见)(,而)(普)(通)(人)(并)(不)(容)(易)(识)(别)(。
“我)(认)(为)(这)(样)(的)(模)(式)(合)(法)(但)(不)(合)(规)(。”他)(表)(示)(,“资)(管)(新)(规)(已)(经)(明)(确)(要)(‘去)(通)(道)(’。”
今)(年)(4月)(27日)(,央)(行)(等)(4部)(委)(联)(合)(发)(布)(《关)(于)(规)(范)(金)(融)(机)(构)(资)(产)(管)(理)(业)(务)(的)(指)(导)(意)(见)(》,意)(见)(明)(确)(消)(除)(多)(层)(嵌)(套)(,抑)(制)(通)(道)(业)(务)(。受)(此)(影)(响)(,今)(年)(上)(半)(年)(委)(托)(贷)(款)(、信)(托)(贷)(款)(合)(计)(比)(去)(年)(同)(期)(减)(少)(近)(3万)(亿)(元)(;由)(此)(拖)(累)(,上)(半)(年)(社)(会)(融)(资)(规)(模)(增)(量)(比)(去)(年)(同)(期)(少)(2万)(亿)(元)(。
此)(外)(,在)(通)(过)(信)(托)(通)(道)(间)(接)(发)(放)(贷)(款)(的)(同)(时)(,自)(如)(还)(不)(断)(通)(过)(ABS资)(产)(支)(持)(证)(券)(融)(资)(。2017年)(8月)(15日)(,自)(如)(发)(行)(了)(“中)(信)(证)(券)(—自)(如)(1号)(房)(租)(分)(期)(信)(托)(受)(益)(权)(资)(产)(支)(持)(专)(项)(计)(划)(”,该)(项)(ABS发)(行)(规)(模)(为)(5亿)(元)(。而)(今)(年)(5月)(以)(及)(7月)(,自)(如)(又)(分)(别)(发)(放)(了)(自)(如)(2号)(第)(1期)(以)(及)(第)(2期)(房)(租)(分)(期)(信)(托)(受)(益)(权)(资)(产)(支)(持)(专)(项)(计)(划)(。
根)(据)(公)(开)(信)(息)(显)(示)(,自)(如)(1号)(发)(行)(主)(体)(是)(北)(京)(自)(如)(众)(诚)(友)(融)(信)(息)(科)(技)(有)(限)(公)(司)(,为)(自)(如)(生)(活)(资)(管)(的)(全)(资)(子)(公)(司)(,信)(托)(计)(划)(受)(托)(人)(为)(中)(国)(对)(外)(经)(济)(贸)(易)(信)(托)(有)(限)(公)(司)(。
北)(京)(自)(如)(资)(管)(成)(立)(于)(2015年)(10月)(,注)(册)(资)(本)(3200万)(元)(,由)(自)(然)(人)(左)(晖)(和)(单)(一)(刚)(共)(同)(出)(资)(设)(立)(,持)(股)(比)(例)(分)(别)(为)(94.60%和)(5.40%,截)(至)(2017年)(末)(,其)(实)(际)(控)(制)(人)(为)(自)(然)(人)(左)(晖)(。
自)(如)(1号)(的)(专)(项)(计)(划)(的)(原)(始)(权)(益)(人)(为)(众)(诚)(友)(融)(。众)(诚)(友)(融)(成)(立)(于)(2016年)(2月)(,注)(册)(资)(本)(5000万)(元)(,由)(北)(京)(自)(如)(资)(管)(独)(资)(设)(立)(,北)(京)(自)(如)(资)(管)(对)(众)(诚)(友)(融)(的)(定)(位)(为)(“自)(如)(集)(团)(”旗)(下)(金)(融)(业)(务)(平)(台)(,众)(诚)(友)(融)(的)(业)(务)(将)(主)(要)(是)(为)(北)(京)(自)(如)(资)(管)(的)(客)(户)(和)(业)(主)(提)(供)(便)(捷)(的)(资)(金)(来)(源)(。
根)(据)(自)(如)(1号)(说)(明)(书)(所)(披)(露)(的)(交)(易)(结)(构)(图)(显)(示)(,原)(始)(权)(益)(人)(众)(诚)(友)(融)(通)(过)(外)(贸)(信)(托)(设)(立)(的)(“荟)(润)(5号)(-自)(如)(自)(感)(系)(列)(单)(一)(资)(金)(信)(托)(项)(目)(单)(一)(资)(金)(信)(托)(”向)(租)(客)(发)(放)(房)(租)(分)(期)(小)(额)(贷)(款)(;众)(诚)(友)(融)(将)(享)(有)(的)(单)(一)(资)(金)(信)(托)(项)(下)(的)(信)(托)(受)(益)(权)(转)(让)(给)(中)(信)(证)(券)(设)(立)(的)(“中)(信)(证)(券)(·自)(如)(1号)(房)(租)(分)(期)(信)(托)(受)(益)(权)(资)(产)(支)(持)(专)(项)(计)(划)(”。
对)(此)(,有)(业)(内)(人)(士)(分)(析)(称)(,自)(如)(利)(用)(租)(客)(的)(信)(用)(,为)(公)(司)(拓)(展)(房)(源)(提)(供)(资)(金)(。具)(体)(操)(作)(层)(面)(,自)(如)(首)(先)(通)(过)(约)(定)(高)(租)(金)(的)(形)(式)(租)(下)(房)(主)(的)(房)(子)(,租)(金)(按)(月)(付)(清)(;然)(后)(和)(租)(户)(签)(订)(贷)(款)(合)(同)(,在)(拿)(到)(分)(期)(信)(托)(受)(益)(权)(资)(产)(证)(券)(化)(融)(资)(后)(,又)(将)(此)(作)(为)(本)(金)(,继)(续)(和)(更)(多)(的)(房)(东)(签)(约)(。而)(不)(仅)(是)(自)(如)(,这)(样)(的)(模)(式)(也)(已)(成)(为)(一)(批)(长)(租)(公)(寓)(扩)(展)(规)(模)(的)(利)(器)(。
截)(至)(2017年)(末)(,北)(京)(自)(如)(资)(管)(管)(理)(房)(间)(数)(超)(过)(50万)(间)(,租)(客)(累)(计)(超)(过)(120万)(人)(,服)(务)(业)(主)(超)(过)(15万)(人)(。
此)(前)(,我)(爱)(我)(家)(时)(任)(副)(总)(裁)(胡)(景)(晖)(在)(8月)(17日)(接)(受)(媒)(体)(采)(访)(时)(表)(示)(,以)(自)(如)(、蛋)(壳)(公)(寓)(为)(代)(表)(的)(长)(租)(公)(寓)(运)(营)(商)(,为)(了)(扩)(大)(规)(模)(,以)(高)(于)(市)(场)(正)(常)(价)(格)(的)(20%到)(40%在)(争)(抢)(房)(源)(,人)(为)(抬)(高)(收)(房)(价)(格)(,住)(房)(租)(赁)(市)(场)(的)(问)(题)(就)(此)(浮)(出)(水)(面)(。
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