CBRC to regulate second-hand property market to control the return of banks in disguise

After the bank to the real estate intermediary's "return point" was stopped, the present market has also appeared a disguised return behavior: some intermediary company and the guarantee company cooperates, through the guarantee intervention obtains the bank to pay the guarantee expense, then by the intermediary company and the guarantee company divides into.　　The reporter was informed that the CBRC has issued a note to prevent such behavior. Reporter yesterday from the banking sector learned that, in order to stop the bank to the real estate intermediary "return point", the CBRC in early this month to the banks and regulatory agencies issued internal red notice, emphasizing the prevention of "guarantee fees" in the name disguised as intermediary back point.　　Heyushu, deputy director of China Banking Association's self-discipline department, confirmed to reporters that the CBRC had issued the notice to regulate the illegal behavior after the special investigation. Guangdong Bank began to standardize the regulation of Canton Bank Association of the Deputy Secretary-General Liu Jinming to reporters, the bank will be mortgages and other business intermediary to do, intermediary to be able to get loans to some customer material fraud, causing the bank's exposure, on the other hand, resulting in blind vicious competition between banks.　　Liu Jinming revealed that the bank of Guangdong province to the intermediary of the return point ratio from 0.3%~1% range.　　After the CBRC stopped the bank from returning to the intermediary, some intermediary companies cooperated with the intermediary to cooperate with the bank in the form of the guarantee fee, and after the bank paid the fee, the intermediary and the guarantee company carried on the income share to evade the supervision. The guarantee company staff to the reporter introduction, because second-hand housing sales, the buyer is often in the bank and mortgage has not yet finished, and the transaction needs to pay off the loan to get the property card to transfer, "the process of the existence of capital vacancies, the need to guarantee the company to do the guarantee, and the guarantee company will charge a certain fee."　　"The real estate intermediary said to reporters that the smaller intermediary companies do not have strong banking channel advantages, so often rely on the guarantee company to seek cooperation with the bank."　　Liu Jinming told reporters that the Guangdong banks had been surveyed years ago, the next step is the overall regulation.　　Interpretation of market people think that this is a direct impact on the market is not small, but it shows the regulatory level to prevent credit risk, increase the strength of the market reimpose determination. The Director of business management of Yida, Tina, said that because intermediaries through the mortgage company to the bank business, intermediary income mainly by commission, such a policy on the impact of intermediaries indirectly, and for the agency's mortgage companies have a greater impact.　　Tina thinks, because the return point does not involve the consumer aspect, therefore estimated to the second-hand housing transaction intention influence not too big. Real estate expert Han Shitong thinks, this method whether the effect or the meaning is not too big. "Unless a bank shrinks a second-hand loan, it will have a knock-on effect on the market.　　"Financial micro-blog (http://t.sina.com.cn) 10th Courtyard: The National Bureau of Statistics said that 2009 large and medium-sized cities have risen 1.5%, this 1.5% really did not more than a decimal point?" Snow Bridge: "Mr. Toyoda sat quietly in front of the media, like a wrong pupil, the eyes show a bit of unease ...... "The global media seems to be moved by Mr. Toyoda's tears. True cry, false cry, who knows also!　　But people at least dare to cry, dare to admit mistakes, our business? Li Cheng: Knowledge changes fate, investment can also change fate. However, I would like to think of investment as a life, more concerned about the beauty of its process, not just a means, only to highlight the wonderful results. In this way, regardless of gain or loss, I can maintain a dull heart.