April 19,, in the first China folk lending law conference, the central university of finance and economics, director of finance professor HuangZhen introduces, ordos rent house shanghai the standard folk lending interim measures (hereinafter referred to as the "measures") has been through the city government approved by the executive meeting, is expected to soon will be issued.
"The China business news reporter in the interview found that money lending both sides in this for the" way "is not expected to do that. Many creditors said in an interview, ordos city government in crisis comes on stage in succession since some financial aspects of standards, but to little effect.
"The capital chain in ordos dilemma, and real estate development of real estate development on this path is, as long as pay enough of the land grant fee, qualification, can obtain development from the private sector financing. And now property projects mostly stopped work, 'how can find JiePan way' who?" One does not wish to be named "covering a mansion" creditors said.
Government aid difficult
Although folk not exciting, but take part in making "method" of the parties still think this is China's first dedicated to develop non-government loan of the measures for the management of local policy documents.
Participate in the drafting of the HuangZhen to the media, said "method" total of eight chapters, the biggest bright spot is the second chapter standard borrowing subject and loan contract. Borrowing a party is main body), and the other party for borrower. Measures must use their own funds) emphasize carry arch loans, shall not illegally funds, illegal absorb public deposits or in disguised form absorb public deposits; Borrowers must be good operating performance, is a shortage of funds of the enterprise or appear individual organization, have to borrow fund must be used for legal production and business operation activities, forbidden refinancing or other illegal activities. "Method" and clear, loan interest rate shall not be more than the same period of the people's bank lending rate four times. And, in both parties shall sign a lending business the formatting of loan contract.
Since the financial crisis folk, ordos city really is not the first time to publish relevant specification. In 2011, ordos have issued the "about encouraging the development of the enterprise penetration of equity some opinions", "on strengthening the construction of credit guarantee mechanism for small and medium-sized enterprises of opinion", "the credit system construction plan", and other relevant policy, to develop private capital investment channel, guiding non-governmental capital standard to participate in the financial sector.
In addition to closely related financial management way to come on stage, ordos also as wenzhou, established folk capital investment service center, regulate the operations of private capital. June 18, 2011, ordos folk capital investment service center founded, service center by ordos capital Co., LTD and Inner Mongolia ordos chamber of commerce was established jointly sponsored, registered capital is 3 billion yuan RMB. Service center founded, still attracted many VC/PE coming, the nine tripods investment, excellent capital and a number of investment agencies and the service center signed the strategic cooperation agreement.
The above "covering a mansion" creditors said, he was not bullish on upcoming law of "method", the establishment of nearly one year without as investment service center is the main reason. "People do not ordos lending for third party habit, some friends, who needs to do business capital turnover and only need a telephone and millions yuan soon come over, even don't have to play... Gcs-general affair"
The creditor of reporters, lending market heat ordos street often see the locals take a DaZi white and ink, meet acquaintances asked money no, and then write a note in a gesture, and money is coming. They do not understand the investments, and disdain to do stocks and futures of complicated stuff, know a interest on it will do.
"Especially those who suddenly given by demolition of a small fortune in the room and after buying car balance of most into usury. For years, east wins people formed the habit of high interest rates depend on. With 1 million yuan, for example, such as 2 points YueLi calculation, a year's income is more than 240000 yuan, the equivalent of Beijing two senior white-collar annual income. In fact, two points you borrow-and that is per month in local belong to a low level, some money to the businessman, lending and borrowing short-term interest rates as high as five points. Usury"
According to the situation of provide creditors, attempts to reach ordos folk capital investment service center, the center of the telephone has been no one answered. More surprise, even as the management service center of the ordos city financial do staff, also don't know the center office address. The staff, told reporters that ordos city government and financial do all of the service center in urged operation, and the specific plan is still in the negotiations.
After turnover, reporters finally in east wins area chuangye building 10 layer found the service center. "We have not started to do business, also don't know how to do it, some plan didn't also set, the license and have no hair down." Service center officials told reporters.
persistent
Although the city government has repeatedly issued regulations, but many experts in the interview say that, by real estate funds dilemma for the financial crisis as ordos only a hard landing.
The reporter interviewed in ordos, found that very few start building dish, sold in the building dish sales offices most no longer opening up. And at this time last year ordos, the various buildings are under construction, the whole city is like a pot "is boiling water".
Economic MaGuangYuan scholars think, real estate development of ordos 80% money from local extremely active folk lending market, once home prices go up, stop building slow-moving, real estate the boss can't pay interest on the referral, cannot afford to three line referrals, fund chain must inevitably face fracture.
"Per capita GDP than domestic all developed city, the third industry ordos the city of only 30% proportion, belong to the typical 'open land rover herdin' industry and wealth of the model in the industry down. Behind, especially the financial industry owes the developed, the accumulation of wealth to the local real estate in most areas. In a single sentence, which is a process of change to underground coal for wealth, and then deposit money boxes of the earth-those who never open lamp house. And the development of the real source of capital, 80% of the bank credit is not dependent on capital, but extremely active on the local folk lending market. General city bank credit for local total last year 130% of GDP, but at the end of 2010 the ordos financial institutions all balance of loans only 50% of GDP in the same period." MaGuangYuan said.
According to local enterprise and media people some conservative estimate, the scale of the ordos folk lending should be in 200 billion yuan of above, the highest in more than 60% NianLiXi, folk and real estate lending between formed the risk of foam and interaction.
In September 2011, the real estate company zhongfu its legal representative, the original ordos city district people's court, the east wins WangFuJin suicide, after death is 263 million yuan folk borrowing and 7.89 million yuan a month interest. According to tianjin high and equity investment fund management Co., LTD. (hereinafter referred to as high and) in October 2011, which published the folk lending crisis investigation report "shows, in September 2011, the government had to 17 ordos folk lending in 1 billion yuan of above of real estate development enterprise, the legal representative of the limit of the country, and implement monitoring.
By the end of 2011, the east-the district government had the power of depend on the government organization together known as "help city" of the name of solutions, including 7.5 billion yuan to 10 billion yuan RMB "real estate enterprise restructuring plan" and billions of yuan "government purchase plan" to easing the current real estate market area of east wins deadlock.
At that time, the east district party committee propaganda department win a officials say, the east-the district government is developing related "help city" scheme is not all pay by the government, but in the integration of the estate enterprise, based on the lead by the government from bank loans for capital market. Redeemed in the past, because the real estate industry's capital crisis shanghai villa intensified, "help city" scheme and didn't get government want results.
Post je objavljen 28.04.2012. u 15:54 sati.