Shanghai prohibits banks and problems intermediary cooperation, recent intermediary violations frequ-w32dasm

Shanghai banned the bank and intermediary intermediary cooperation recently frequent incidents of each reporter Jia Yunke Wu Ruofan on the face of the property market continued unpopular, the recent rush of overweight regulation. Up to now, most of the property market hot cities, such as Suzhou, Nanjing, Hefei, Hangzhou, Xiamen and so on, have introduced the policy of limiting the purchase of credit. Among them, Nanjing is in yesterday (September 26th) officially launched after the purchase of serial attack, the day they released the "thirteen" new deal to further stabilize the property market. It is worth mentioning that the "daily economic news" reporter noted that in the country because of the city facilities strategy, a city of a policy "under the guidance and regulation of real estate around the emergence of new tactics — the investigation and punishment of violations of real estate intermediary is quietly enhanced. For example, recently confused in Shenzhen 6 square meters of price of Dove "cage" event, there are four real estate intermediary because of irregularities were severely punished. And Shanghai recently issued a document, requiring commercial banks to terminate the cooperation with illegal property intermediary. In this regard, some analysts pointed out that with the real estate industry sustained overheating, supervision of the network is more and more big, the macro regulation from the past partial to specific industry regulatory agencies. Intermediary into the origin of illegal credit? The evening of September 26th, Shanghai Banking Bureau released the news that the day prior to the banking financial institutions within its jurisdiction under the "Shanghai Banking Bureau office on further regulating the jurisdiction of commercial banks and real estate intermediary business management notice", clearly defined, for real estate agencies such as for the purchase of the first payment or participation the tail section or financing, made or involved in the manufacture of false mortgage 5 violations, commercial banks should cooperate relationship terminate immediately, and will be included in the blacklist submitted to the Shanghai city association. In this regard, E-House Research Institute think tank Research Center Director Yan Yuejin said that Shanghai is the point of this policy is very strong, that is the current real estate intermediary illegal credit "birthplace", all kinds of policy is in fact behind the real estate intermediary to the list of the various restrictions and fetters, let the subsequent operation of commercial banks to follow the rules and guidelines. Excellent Amoy City President Xue Jianxiong told the "daily economic news" reporter, many buyers now buy not previously the purchase of residential mortgage loans and consumer loans through the form of the introduction of the policy has a great role in promoting the protection of the real estate market risk and financial risk. After the "down payment loan products by regulators called brake, some banks or financial platform for the Internet and the housing loan against product is popular, contributed to the household sector with two lever. And it is because of the constant leverage of buyers, housing prices will rise too quickly. However, insiders also pointed out that the policy is not only for intermediaries, but also for commercial banks business norms. Because of illegal funds into the property market, in addition to the operation of the real estate intermediary, but also the need for commercial banks in the review and supervision of the "coordination."". The policy of Shanghai, reflects the banking sector is big net, it has a positive effect on the healthy development of the market, but the specific bank outlets subsequent operating pressure will increase. The head of the Information Department of Shanghai Banking Regulatory Bureau

上海禁止银行与问题中介合作 近期中介违规事件频发   ◎每经记者 贾运可 吴若凡   面对楼市的持续火爆,近期各地纷纷出手加码调控。截至目前,大部分楼市热点城市,比如苏州、南京、合肥、杭州、厦门等都已经出台限购限贷政策。其中,南京更是在昨日(9月26日)正式启动限购之后连环出击,当天又对外发布了“十三条”新政以进一步稳定楼市。   值得一提的是,《每日经济新闻》记者注意到,在国家“因城施策,一城一策”思想的指导下,各地的房产调控出现了新招术——对房产中介违规行为的查处力度正悄然增强。比如,最近纷纷扰扰的深圳6平方米天价“鸽子笼”事件,便有四家房产中介因违规行为被严肃查处。而上海市近日更是出台文件,要求商业银行终止与有违规行为房产中介的合作。   对此,有分析指出,随着房地产行业持续过热,监管之网正越撒越大,从过去偏宏观面的调控转向对具体行业机构的监管。   中介成违规信贷发源地?   9月26日晚间,上海市银监局对外发布消息称,其日前向辖内银行业金融机构下发《上海银监局办公室关于进一步规范辖内商业银行与房地产中介机构业务合作管理的通知》,明确规定,对于有诸如给购房者提供或参与首付款或尾款等融资、曾制造或参与制造假按揭等5项违规行为的房地产中介机构,商业银行应立即终止与其合作关系,并将其列入黑名单报送上海市同业公会。   对此,易居研究院智库中心研究总监严跃进表示,上海这个政策的指向性很强,即认为房产中介是目前违规信贷的“发源地”,各类政策背后其实是给房产中介罗列了各种条条框框,让商业银行的后续操作能够有规律和指引可循。   优淘城总裁薛建雄告诉《每日经济新闻》记者,现在的许多购房人通过按揭贷款加消费贷的形式购买此前不能购买的住宅,该政策的出台对防范房地产市场风险和金融风险有着极大的促进作用。在“首付贷”产品被监管层喊刹车之后,一些银行或是互联网金融平台的“房抵贷”产品大行其道,一定程度上助推了居民部门二次加杠杆。而正是由于购房者不断加杠杆,房价才会出现过快上涨。   不过,也有业内人士指出,该政策并非只是针对中介机构,也是针对商业银行的业务规范。因违规资金进入楼市,除房产中介的运作之外,还需要商业银行在审查和监管上的“配合”。上海的这个政策,体现出银监部门正在撒大网,这对于市场健康发展有积极作用,但具体银行网点后续的经营压力会增加。   上海银监局新闻处相关负责人则告诉记者,该政策是对今年8月出台的中介管理办法的呼应。   资料显示,8月16日,住建部、国家发改委、工信部、人民银行、国税总局、工商总局、银监会等七部门联合印发了《关于加强房地产中介管理促进行业健康发展的意见》,要求房地产中介机构对房源真实性进行全面核验,不得强制捆绑金融服务,在房屋买卖或租赁合同签订之日起2个工作日内将房源信息撤除。   薛建雄表示,可以说,上层已经关注到了这类风险,如果不注意监管会导致系统性风险,并且在房地产这样的金融属性较强的投机市场,金融衍生品会以不同面目出现。   房产中介违规事件频发   事实上,《每日经济新闻》记者注意到,近期房产中介违规事件频发。比如,对于近期闹得沸沸扬扬的深圳6平方米天价“鸽子笼”事件,深圳规划国土委昨日公布的调查结果显示,四家房地产中介机构在代理销售该项目中,存在夸大事实、占道经营、为涉嫌违法改建行为的房产提供销售代理等情形。   深圳市规划国土委南山管理局已根据《深圳市房地产市场监管办法》下发了《责令限期整改通知书》,对其经营活动进一步深入调查、全链条梳理、全流程稽查、全方位整顿。   此外,9月25日晚8时许,成都市公安局官方微博“平安成都”对外通报:“近期,网上出现大量关于成都房产销售情况的不实信息,引起广大市民热议。为维护我市良好的社会秩序,公安机关严格依照《治安管理处罚法》等法律法规,对在网上造谣、传谣的违法犯罪行为予以打击。截至目前,我局已对在网上编造、散布我市楼盘销售虚假信息的某房产中介经纪人张某某、黄某某予以行政拘留处罚。”   从上述事件可以看出,各地对违规房产中介的查处力度似乎有所增强。对此,严跃进表示,对中介的查处力度加大,实际上正成为当前住房管理和监管中一个很重要的特点。应该说中介机构近期的部分违规事件,确实惹怒了监管层。目前,部分房产中介游离于监管之外,各类违规做法比较隐蔽。此类查处,既是对中介机构业务的规范,也是对具体中介业务管理人员的一个警示。   与此同时,严跃进指出,对房产中介监管的加强,说明房产调控之网正越撒越大,从过去偏宏观面的调控逐渐转向对具体业内机构的监管。此类监管实际上也是希望净化房地产交易市场,尤其是很多违规的所谓创新的金融产品,对于遏止房价快速上涨有一定的积极意义。   对于房产中介违规行为频发,严跃进表示,中介机构违规违法成本不高,部分中介人员甚至没有资格证书,也没有一个长期履行职业的意识,有一种捞一票就走的心态,这使得此类中介整体上“冒险意识”较强。另外,目前监管对于中介的信息收集和管理也存在漏洞,这也是后续需要加强管理的地方。   热点新闻:   上海嘉闵高架北段二期将通车 虹桥到嘉定仅15分钟条   轨交11号线秀沿路站现幽灵停车场 呼吁改为P+R模式   中国老板徐根宝:被世界豪门巴萨礼遇的座上宾   上海网红葱油饼难再吃到 涉无证经营被停业   网传上海金山石化午夜着火 消防部门辟谣:是火炬燃烧   天气预报:   上海今起到10月初常有雨水 气温随之下降相关的主题文章: