Developers borrowing housing sales in the process of advancing funds, the real estate market is one of important sources of risk. Aiming at this problem, Tianjin began to carry out 2009 new commercial housing presale capital regulatory system, up to now, not only to achieve the ?should be incorporated into the supervision and control of funds in the construction of the project? full coverage, but also changes in the market to keep pace with the times to optimize the way of supervision, and achieved good social and economic effects.To guard against the risk of misappropriation of fundsIn recent years, many our country places appeared the buyers pay forward delivery housing, but due to the sale of funds not earmarked by developers of diversion, cause capital catenary to rupture, in the construction of the project can not be completed on schedule. Not only property buyers suffer huge losses, also causes social instability factors. But the industry analysis, the pre-sale housing system to reduce the financial pressure on the developers of commercial housing, increase effective supply, on the stability ofHouse pricesThere is positive significance. ?Absconding with money? wait for a phenomenon, is not wrong in the pre-sale housing system, while unable to form an effective supervision.Tianjin City Real Estate Trading Fund Supervision Center Director Xu Jianming said, Tianjin propulsion and the implementation of new commercial housing presale capital supervision system is a basic approach is to ?legislative go ahead of the rest?, ?gradual open?. In 2008 November, Tianjin city in different districts and selects a representative part of the real estate development enterprises, began the trial of pre-sale funds control system in pilot success, on the basis of the experience of Tianjin city, August 20, 2009 first in six areas of the city to implement the sale of funds supervision system, in December 25th the same year in the context of a comprehensive implementation.Xu Jianming tells a reporter, early, Tianjin taken according to the proportion of supervision mode, namely the sale of funds into all the escrow account, on which a certain proportion of the sale of funds to focus on supervision, supervision of funds mainly used for general contracting project, and the region?s major ancillary costs. This arrangement not only to control risk, also can make the development of enterprises have a certain autonomy, raise company capital to use efficiency.Tianjin pre-sale funds to implement the entire process of network supervision. Relying on Tianjin city Guotufangguan Bureau ?a map? project, new commercial housing presale capital regulatory system and commodity housing sales management system, property system, housing accumulation fund management system, commercial bank and bank clearing systemThe net silverSystem for multiple departments, cross-sectoral links, to achieve the new commercial housing presale capital in real time supervision.As of now, Tianjin city should be incorporated into the financial supervision in the construction of the project all entered the supervision system, a total of 572 home real estate development enterprises 696 new commercial housing construction projects, a total of 11505 buildings for the regulatory procedures, a total of 2619 accounts open supervision, supervision area of 53710500 square meters. At present, the sale of funds supervision account fund relatively stable at 12700000000 yuan. Monitor display, in build a project has progressed smoothly, enterprises to apply for the appropriate regulatory fund special fund is special.Optimized regulationXu Jianming said, before 1 December 2011 Tianjin pre-sale funds supervision system to adopt a ?full scale supervision? mode, the mode of regulation of financial supervision in the pre-sale system played a positive role in the implementation of the early. But with the real estate market continues to develop, there are the following two aspects of deficiency:A regulation ratio and the actual market has certain difference, the amount of capital is not objective supervision. Due to the regulation ratio calculation has certain lag sex, while housing prices and other factors, resulting in the enterprise application allocated funds, easy to cause the escrow account Retention Fund is too large.Two is an operating link is much, enterprise and regulatory departments workload is big, efficiency. In operation need to enter the general contract information, resolution, computational cost and expense budget, additional professional contract contract information, business operation is complicated, the workload and burden of enterprises have increased.After extensive research and repeated comment, 2011 May, Tianjin city from set out actually the ?Tianjin city new commercial housing presale capital regulatory approach? had to be revised, and in December 1st the same year onwards, will be ?full scale supervision? mode to ?during the key construction fund supervision? mode. The new model is mainly on some construction and installation cost and area supporting the main cost focus of the supervision, the remaining funds can be withdrawn, focus of the supervision of funds according to the progress of the projects for the extraction of nodes. Key regulatory capital standards by the Tianjin city Guotufangguan Bureau organization relevant professional institutions, regional, structure, use and other factors comprehensive measurement, and according to the actual situation, timely adjustment.New pre-sale funds regulation pattern, making regulatory capital more objective, reasonable, scientific, regulatory purposes is more clear, supervision procedure is simplified, the regulatory process more optimize, in ensuring the project follow-up under the premise of the construction, can maximum limit satisfy the real estate development enterprises industry?s demand for capital.Supervision and service pay equal attention to the standardization of real estate marketXu Jianming said, the government should not only play a regulatory responsibilities, to reflect the service function, make masses and developers feel, the supervision and control of funds to bring tangible benefits, so as to make supervision work smoothly, and with the support of the community.Now, Tianjin buyers who purchase new commercial housing, with the real estate development enterprises in the commercial housing sales management print online payment notice, the purchase can be accomplished by the placement of the scene in the sales of funds and special POS machine, will purchase directly contributed the escrow account, POS sign can be used as payment vouchers, to real estate development enterprise for purchase invoices. The purchase also to commercial bank counters will purchase paid directly by the escrow account, issued by the bank payment voucher to the real estate development enterprises for the purchase invoices.In order to facilitate developers timely handling license sales, in 2010 September, Tianjin City Real Estate Trading Fund Supervision Center active optimization process, will sign the ?pre-sale funds supervision three agreement? signed by the contract registration regulation process the last link in front to the first link and the completed. Since 2011 began in late May, to simplify the process, compress timelines, regulatory accounts, funds, apply for apply for revocation of regulatory matters such as time, are compressed to 3 working days, 5 days and 2 days, the average compression ratio is in 1/3 above.Tianjin constantly optimize the pre-sale housing fund supervision pattern and process, and achieved good social and economic effect.One is to enhance the government?s control of the market. Real estate development enterprise is capital concentrated model enterprise, its business activities have a lot of money in the production, distribution, consumption of each link up to. The government to further strengthen the regulatory behavior of the real estate market control force;Two is to enhance the government?s credibility of market regulation. Supervision work effectively prevented because of the development of enterprises will diverted Yushoukuan which led to the ?uncompleted residential flats?, ?unfinished?, ensuring earmarking, promote the construction of the project is delivered on schedule, to protect the legitimate rights and interests of real people, real people to eat ?reassurance?;The three is to promote the real estate market more normative and reasonable. Such as, helps to promote the development of enterprises to raise the level of internal management, standardized, reasonable use the sale of funds; to reduce the commercial bank lending risk; benefit from source to solve the development of enterprises in the construction business, engineering, and other issues.
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