Real Estate \u0026 quot; crush \u0026 quot; Internet banking: traditional property developers and real estate O2O platforms have with real estate financial conduct breakthrough Internet[IT era network, IT Times sharp observation 2015 Latest Nike Shoes - Former Ordos, after the Shaanxi Shenmu, Nike Barkley Posite Max under a real estate bubble and spawned a ghost town. For developers who, crazy to take, then Gailou crazy, but sell the house led to the real estate capital chain is broken missing, countless small and medium real estate companies are facing the risk of failure. At the same time, Nike Lunar Hyperdunk Low real estate sales downturn also affected the development of a certain speed of the entire real estate market O2O extent. So, whether it is a traditional real estate or real estate O2O platform are beginning to have Nike Air Jordan 9 the aid of the Internet real estate finance were to break out, the intention of the Internet by the fiery finance to build new profit growth point of their own, a real estate finance internet war is rising. First, in order to cut real estate O2O trading financial platform trading platform for the domestic real estate O2O Internet banking platform to enter the property very much, good room where peace has launched the 'good room treasure', 'good loans', 'rent credit', ' e house money, 'SouFun launched the' world credit ',' soufun treasure ', E-House China launched the' gold room ', launched a lot of room a lot of benefits, a lot of loans, more than all the chips, more wallets and Womens Nike LeBron 11 other real estate financial products ʱ?? For real estate O2O, they closed loop in order to get through the entire real estate sales, enter the Internet is a matter of finance, the future will be more and more real estate transaction platform into real estate finance internet. First of all, such as SouFun, housing lots and other real estate transaction platform has become important to many buyers who demand choice platform, these platforms has a strong user base of buyers. A large user base for the real estate transaction platform to build real estate O2O Finance will no doubt be a strong backing support. Secondly, the Internet banking platform to build real estate for estate O2O is a closed loop of complementary transaction. Property O2O trading platform to enter the housing finance almost justifies thing. Many customers will choose when buying a house loan customers through the purchase of real estate O2O platform, resulting in the platform of choice for the loan, the future is likely to become loyal customers of financial consumer platforms, invest in some real estate finance projects. Third, relatively small compared to some of the strength of the real estate finance P2P platforms, real estate O2O trading platform by providing customers with real estate transactions, real estate loans and provides services to more easily obtain the trust of consumers. Small real estate or real estate financial investment to raise the public better said, for large financial planning or real estate loans, consumers Supra Skytop IV will select reliable and stable financial platform. Fourth, for many ordinary just to be, it will still be relatively high down payment threshold, real estate O2O platform to launch financial planning platform can easily help consumers resolve problems down payment, buyers can stimulate consumer demand, driven by the housing market transactions. Fifth, compared to bank loans, the lending time such Internet banking platform will be faster, the procedure is relatively simple, greatly reducing the time consumers purchase. But real estate O2O platform to build Internet banking platform also has some disadvantages: a disadvantage: These real estate finance and the platform will be available to consumers paying back down lending, which platform is in fact a very big risk. If buyers are unable to pay even the down payment, then, under normal circumstances such buyers income level is not high, the future ability to repay the loan will naturally also relatively weak. Some platforms will require mortgage lenders, some platforms do not require borrowers to provide any mortgages, unsecured loans will be higher risk factor. Disadvantages II: These housing finance platform relative to bank loans and interest on loans for provident fund loans to be higher, which invisibly increase the purchase costs for consumers, consumers are more willing to Womens Nike Zoom Hyperflight PRMNike Air Jordan 10 choose low-interest loans, after all, buy a house the loan is not a small amount. Second, the vertical cut into the real estate finance financial platform Liu Kuang long ago predicted in the real estate field will appear P2P users have a certain scale vertical small giants, such property is, in fact, belong to the Internet banking platform vertical sub-categories of P2P transactions platforms, including room commander Jiu Fu investment, financing the room, Room melt financial services platform. First, for investors, the financial benefits are most concerned about that, and high-yield stocks to fall all the way now, select other income is relatively high financial products will naturally become their first choice. Such income is perpendicular to the P2P platform of real estate finance will be relatively high, relatively speaking, this is the core factor in attracting investors. Second, the threshold of such P2P financial platform will be relatively low, relatively speaking, a lot of money for not very strong strength of ordinary people, is a very good investment choice. Third, because the kind of real estate finance platform specializing in real estate-related financial services industry, more focused in this area will show, and professional. While finance and real estate-related loans and services will become more segmented, such as loan contains the rent loans, home loans, renovation of housing loans, loans to developers multiple ways to lend. Fourth, from the convenience in terms of money in the bank in order to obtain a relatively high interest basis having years shall deposit, and such financial platform basically adhering to the principle with the deposit with the check, and in financial terms to facilitate a lot ʱ?? In terms of the mortgage loan formalities handled this type of platform is relatively simple, lending speed is much faster than banks. However, due to the strength of the relatively weak vertical P2P and many other reasons, we will face larger risks, especially the risks of Internet banking supervision. A few days ago, just ten ministries jointly issued the 'Guiding Opinions on Promoting the healthy development of Internet banking,' the regulatory rules will be introduced soon. Nine from rich people, founder and CEO of Sun Ray recently predicted 3W coffee on the open class regulatory rules explicitly prohibit funding pool will operate, implement P2P companies filing system, but does not dictate the platform leverage. Once P2P rules formally introduced, many operations are not standardized platform will be phased out, Sun Shihai similar proposed three coping strategies: Strategy One: increase registered capital. Currently Jiu rich, open Xin loans will have to increase the registered capital of 200 million, all loans last year to 100 million capital increase, the registered capital of more than 100 million total over five platforms. Strategy Two: Strengthening cooperation with the bank. Nine rich in the past has been with the China Minsheng Bank, Agricultural Bank of China Bank of China, etc., 32, more than 10,000 bank branches reached a cooperation, while Nine rich in February this year, and is known as 'small micro banks,' said China Minsheng Bank of China signed a strategic cooperation agreement in Beijing to carry out a comprehensive strategic cooperation in funds entrusted management, regulatory and other aspects of financial settlement. Strategy Three: Lifting platform users, the business volume. P2P platforms If you have sufficient number of users and very large scale trading volume, in danger of being shut down of the risk factor it will be relatively low. Third, the large real estate developers to build financial platform currently have large domestic real estate developers have been involved in the financial sector to the Internet, the Greenland Group introduced the 'green real estate treasure', Wanda Group launched the 'guaranteed profits One', Asia Standard Holdings launched 'China gold' and so on. For real estate developers, Internet banking will be a great opportunity for them to upgrade. First, these large-scale real estate developers have relatively strong capital strength, they want to build a real estate finance platform is not a particularly difficult thing. Build a huge platform for real estate finance and real estate developers, but also to solve cash flow problems they are currently facing. Second, large-scale real estate developers have a certain brand influence, by virtue of the brand allows them to easily get to the customer's trust. At the same time they had many years of operation, but also for them to accumulate a large number of faithful buyers user, this part of the user is likely to also become a big fan of their financial platforms. Third, large real estate developers in the last years of real estate development, sales process, already has reached a large number of banks Women Lebron Hyperdunk 2013 and a close working relationship, but it is also to build their own Internet banking platform has accumulated a wealth of experience, on the other hand Internet financial platform to build and easier to get support from banks. However, Liu Kuang think traditional large-scale real estate developers in order to truly build Nike Air Jordan 13 a molded Internet real estate financial planning platform, but there are some shortcomings. Less than one: the traditional real estate developers, real estate development in the Nike Hyperchaos Shoes 2013 past has been optimized in line under the operational experience on the Internet is almost in a blank state. To create an Internet platform for financial planning is not to say simply to build a website, a mobile APP to get away, even more important is the post-operation management platform. Less than two: the traditional real estate developers, there will be some personnel vacancies in a short time. To create an Internet real estate financial planning platform, not only requires a lot of technical talent, but also need to not only understands but also understands the real estate financial risk control but also to understand the Internet's integrated operations personnel. Less than three: the traditional real estate developers, financial planning their internet platform still insufficient inlet, such as SouFun, housing lots and other real estate O2O launched on the flow of financial planning platform entrance has obvious advantages. In summary, Liu Kuang think vertical Property P2P platform will be faced with the risk of being regulated, they need to strengthen cooperation with the bank and quickly grow their own to survive, real estate O2O trading platform to cut housing finance has obvious advantages, But the strength of the traditional real estate developers, but should not be overlooked, especially developers and finance cross-border cooperation is a very big imagination, such as green estate treasure, is the Greenland Group Joint ant gold suits, work together to build land gold ʱ?? There are also more and more developers cross-border cooperation and financial tycoon, Country Garden shares of Ping An Group, Life Insurance, Ampang Group, China Life and other insurers stake in Golden, Kaisa, Financial Street, offshore and other business models, Vanke shares Merchants Bank, finance cross-border cooperation between real estate developers and real estate to make future financial Internet is full of more variables. [Editor / Zheng Xi] Liu Kuang era for IT network, IT Times manuscript, the authors micro-channel public number: liukuang110