Community finance is the use of "community set up the stage

Every reporter Xu Jie from Suzhou

Simply put, community finance is to use the "community set up a stage, bank singing" mode, the bank's financial products through community promotion and marketing to community residents, in order to reap the benefits. Safe Good Network Chief Operating Officer Zhuang Nuo believes that the community's greatest value is the cooperation with the financial. According to "Daily Economic News" reporter understands, by the "Fourth China Real Estate Annual Meeting" attracted by more than a dozen financial institutions, it is also the channel value of community finance. For financial enterprises, the ownership of housing is undoubtedly the best way to understand the ability of customers to repay their debts and the purchasing power of financial products. In this respect, it is clear that the community is approaching the waterfront first month.

For developers, they are more concerned about is, can not share the community community financial benefits of this platform.

Community portal resources are bullish

Data show that from January to May this year, the national commercial housing sales area of ​​360.7 million square meters, down 7.8%, an increase of 0.9 percentage points from January to April; national sales of 2367.4 billion yuan of houses, down 8.5%, a decline of 1 ~ April to expand 0.7 percentage points.

DTZ DTZ North Asia Chief Executive Zhang Guozheng believes that in recent years, real estate development companies have seen a decline in the overall net profit margin, change is quietly taking place. Adjusting the development strategy to tap the new profit growth point is the focus of the current real estate industry and explore the key issues.

Leslie Cheung said that community finance and community business is where developers can vigorously plow the new profit growth point. In terms of community finance, it covers a series of personalized financial services targeting real estate mortgage, mobile payment and financial wealth management products. The outlook is promising because of its ability to effectively cover and satisfy customer property services and needs.

Zhonghai Fund Management Co., Ltd. stakeholders believe that community finance is divided into two areas, community and finance. Finance is both a product and a service, and a community is an entrance. Vanke acquired Huishang Bank, made a platform for the community is very important. "The standard is built, the platform is built, but also worry about no one looking for you to do business?" He said that many agencies have begun to do now, for example, the various residential real estate agencies, major insurance companies, "the increase may Is not, the stock began there, developers built the house sold out, there are parking spaces, a district at least a few thousand households, this is not an entrance?

Associate Brand Director Sun Tao talked about the community financial development direction is good, but it is not a developer Blue Ocean Strategy? Is not necessarily a developer to do this thing? is it possible? Many years ago, developers built a community, at that time, in addition to building materials, bricks and paint will be rented below the pavement, the other did not.

Jing-Rui Yang, executive director of executive director and executive vice president, said: "To be honest, the word community financing is very easy to call, but what is the connotation? I always feel that the community now more popular mobile Internet community concept, Or community economy. This is a topic worth exploring and studying. It may be a model for the new economy in the future. "

Ouyang Jie, senior vice president of Metro Holdings reminded, "If it is not its own property, what would you do? The risk may be relatively large, according to the current law, the owners of three years the contract to the contract may be fired any property company, for any one property The company says, basic services must be done, customer satisfaction in order to have customer stickiness, otherwise everything is empty talk. "

Developers have entered the community

In recent years, real estate "predators" into shares of bank moves frequently. In October last year, Evergrande Real Estate (03333, HK) also bought the Huaxia Bank equity in the secondary market after Vanke invested HK $ 3.43 billion to acquire the shares of Huishang Bank (03698, HK). In addition, Yuexiu Group, the parent company of Yuexiu Real Estate (00123, HK), acquired a 75% stake in Chong Hing Bank (01111, HK) for HK $ 11.6bn. Zhongtian Chengtou Investment (000540, SZ), a listed real estate company in Guizhou, announced its acquisition of Guizhou Bank.

Similarly, eBay, together with Sina, Sequoia Capital and Yunfeng Fund, set up a financial services company to launch a "secured" (mortgage-backed) financial product to create an internet finance O2O service platform. At the same time, E-House will also set up an O2O community value-added service company with Sina, Focus Media and STO to connect community residents with various service providers to provide the most "last-mile" lifestyle services most suitable for community residents.

Many developers to enter the community business areas, the development of the corresponding product line, such as Vanke's "five dishes and one soup" and 2049,