链家理财跳涨中融信承压 疑触P2P自我担保红线 - 小众知识

链家理财跳涨中融信承压 疑触P2P自我担保红线

2013年01月27日 14:18:05 苏内容
  标签: P2P/链家
阅读:7328

    中国经济网北京9月23日讯(记者 郭晓伟)互联网金融潮水涨起来的时候,谁也不愿错失良机。

    除了不断拓展二手房交易市场之外,链家推出的互联网金融产品―链家理财也是名声骤起。链家理财近期发布数据显示,截止今年9月份,这家去年11月底上线的理财产品已经取得了“累计融资金额86.3亿元,人均投资金额13.37万元”的业绩。

    因此,有不少媒体把链家理财称作“斜刺里杀出的一匹黑马”。

    不过,既然是P2P,就绕不开担保的话题。不久前,中国经营报在一篇报道中指出,链家理财的担保方北京中融信担保公司(下简称“中融信”)注册资金5亿元,而如今担保资金已经高达13.6亿元。另外,中融信的法人代表正是链家集团董事长左晖。

    链家集团副总裁、金融事业部总裁魏勇曾表示,链家地产和背景中融信从法律实体上来说是两个不同的法律主体,受不同的监管要求,资产和负债都是独立运作的,可以避免风险传导。

    对于魏勇的说法,市场依然有不认同的声音。一位行业分析人士认为,虽然两家属于独立的法人,但从实质上来看,为链家理财做信誉背书的依然是链家这个平台;直白的说,左晖用链家的信誉为链家理财这个P2P作担保,明显是自我担保。

    中国经济网记者联系到链家理财客服部门,对方表示只接受邮件采访。记者把相关问题发至指定邮箱。截至发稿,中国经济网记者未收到链家理财方面任何回应。

    链家理财业绩狂奔

    自2014年11月29日上线后,背靠着链家集团手中的房地产中介业务资源,链家理财的业绩可谓是一路狂飙。

    其实,在今年3月份时候,链家推出的这个金融平台还处于相对保守状态。彼时,在链家地产的所有门店,关于链家理财推出“家多宝”产品的介绍都并不显眼。而其参与对象主要是链家内部员工。

    “上一期的产品半个月内卖出3亿元,现在的项目抢购也很火爆。” 一位名片显示是区域经理的人曾这样介绍。

    不过,今年上半年链家的跑马圈地也把链家理财拉上了飞速前进的战车。

    据不完全统计,今年上半年以来,链家陆续收购了成都伊诚、上海德佑、深圳中联、杭州盛世管家等公司,切入北京以外的市场,2015年链家计划进入8个新地区。此外,链家于今年5月还合并新房领域的“黑马”高策机构,高调进军新房市场。

    今年4月份,链家地产副总裁、CFO魏勇就表示,基于二手房交易,链家正在向金融领域延伸,除现在已开展的第三方支付、担保及链家理财P2P之外,链家金融还将向小贷、融资担保及个人征信领域迈进,未来5年将有一半的利润来自于金融。

    不过,链家理财今年一季度的数据确实令人吃惊。

    据其官网公布业绩数据显示,一季度,整个平台实现累计投资额20.97亿元;投资人预期收益3.97亿元,已发放收益630.37万。项目借款人中有45%用于赎楼,34%用于收房尾款。

    其二季度业绩数据则更为漂亮。截至6月30日,链家理财累计投资金额58.29亿元;2季度成交额环比增长2.6倍,新增用户环比增长15.4倍;平台未到期金额约30亿元。

    截至9月22日,该官网公布数据已经上涨到89亿元左右。

    中融信有没有压力?

    链家理财业绩飙升的背后,其担保方中融信也受到更多关注。

    根据链家理财官方网站公布信息显示,家多宝项目中,赎楼业务和购房尾款业务都是无抵押信用担保项目,目前在链家理财业务占比中接近40%;按照中国经营报记者的计算,该部分业务约需要担保资金13.6亿元。

    而链家理财的担保方中融信则似乎并不能承受如此之重的资金量。

    可查信息显示,北京中融信担保公司是链家旗下专门从事不动产按揭服务的专业机构,机构拥有专业的金融服务团队及丰富多样的金融产品,可以满足消费者在购房、经营、消费的多种融资需求。

    工商注册信息也显示,这家公司的注册资金为5亿元。按照中国经营报记者的计算,不到一年时间,其所担保的资金额已经超出注册资金8.6亿元。

    链家金融事业部高级总监王志伟则认为,担保公司主要负责当借款方出现逾期时,担保公司对投资者进行垫付本金收益,中融信担保的额度并不代表这些项目将于同日到期,目前链家理财平台项目到期日兑付规模最高不超过1亿元。

    因此,注册资金低远低于担保资金并不会给链家理财的运营带来风险。

    链家集团副总裁、金融事业部总裁魏勇对记者表示,目前业内对于P2P行业担保限额并没有做出明确规定,而且未来随着业务规模的增长,链家地产也会增加担保公司的注册资本金。

    自我担保的困惑

    此外,中融信的企业法人是链家集团董事长左晖也成为媒体质疑的焦点。有分析人士认为,整个平台有自我担保的嫌疑。

    不过,在魏勇的解读中,这也正是链家理财降低风险的一种做法。“担保法人和平台所在集团法人为同一人,是出于法人整体信用担保好过北京中融信作为担保公司单独担保的效果考虑。”

    “投资者很看重互联网金融企业的信誉。中融信来为链家理财做担保,其本质是链家集团用自己的信誉在背书。”上述分析人士告诉中国经济网记者,换个说法,如果中融信的法人代表不是左晖,5个亿的注册资金承担13亿左右的担保额,是不是就可能会引起更多质疑?投资者对平台的认可度又会打折多少?

    其实,在P2P行业,对于担保的问题一直都很敏感。

    在2014年4月份,非法集资部际联席会议办公室主任刘张君明确提出了P2P要明确四条红线,包括明确平台中介性质、平台本身不得提供担保,不得归集资金搞资金池运作、不得非法吸收公众资金。

    不过,随后P2P去担保化则逐步成为行业讨论的热点。中国政法大学金融创新与互联网金融法制研究中心主任李爱君曾表示,谈到P2P“去担保化”,首先我们要知道担保的内涵是什么?平台自身做担保并不是担保,这种方式是违法的。因为并没有融资性担保的资质,也就不能做担保。

    今年8月6日,最高人民法院发布了《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》(以下简称《规定》),并自2015年9月1日起施行。

    《规定》显示,借贷双方通过P2P网贷平台形成借贷关系,网络贷款平台的提供者仅提供媒介服务,则不承担担保责任。

    但这并不意味P2P平台不用再去面对这个敏感的话题。行业人士均认为,相关部门的政策引导之外,P2P去担保化还有很长的路要走。

    回到链家理财,魏勇“5年将有一半的利润来自于金融”的观点足以看出链家集团对互联网金融板块的重视。但是,如果风控和担保的问题不能妥善解决,链家理财漂亮的业绩能否延续下去呢?

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