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class="bds_tqq" data-cmd="sqq" title="分享到QQ好友"></a> <a href="#" class="bds_qzone" data-cmd="qzone" title="分享到QQ空間"></a> </div> <script>window._bd_share_config={"common":{"bdSnsKey":{},"bdText":"","bdMini":"2","bdMiniList":false,"bdPic":"","bdStyle":"0","bdSize":"16"},"share":{"tag":"share_1","bdSize":32,"bdCustomStyle":"http://ats.taiwan.cn/homepage2021/css/bgBdShare2021.css"}};with(document)0[(getElementsByTagName('head')[0]||body).appendChild(createElement('script')).src='http://103.249.53.35/gate/big5/bdimg.share.baidu.com/static/api/js/share.js?v=89860593.js?cdnversion='+~(-new Date()/36e5)];</script>  </div> </div> <div id="bdShareBtn"></div> </div>  </div> <div class="contentArea"> <div class=TRS_Editor><p>　　日前，商品房預售資金監管新規（以下簡稱“新規”）出臺。對此，中國房地產業協會會長馮俊表示，新規首次從全國層面作出統一安排、確定監管機制，能夠維護購房人合法權益，規範開發商行為，為房地產市場探索新的發展模式創造條件。</p> <p>　　何謂商品房預售監管資金？新規新在哪？對房地產行業到底有多大利好？</p> <p>　　商品房預售資金是指購房人按照商品房預售合同約定支付給開發商的購房款，一般包括定金、首付款、後續付款、銀行按揭付款等，是商品房預售的全部銷售收入，在商品房竣工交付前，屬於房企預收賬款性質的負債。</p> <p>　　從立法上確立商品房預售制度以來，監管額度、監管方式、資金撥付等具體監管規定由地方自行決定，各地監管標準和提取規則差異較大。而此次新規相較以往有五大“亮點”：招標確定監管銀行、合理確定監管額度、明確各方監管責任、建立資訊共用機制、確定首末撥付節點。</p> <p>　　新規聚焦完善規範商品房預售資金監管措施，是穩定房地產行業發展政策“組合拳”中的重要組成部分。對當下房地產行業而言，新規的利好值得期待。</p> <p>　　“保交付”，新規以保障購房者權益為先。過去經驗證明，償債壓力下，“千億元級房企”亦可能違法挪用監管賬戶內的數十億元資金，導致項目爛尾。新規明確了各方監管責任，商業銀行要依約履行賬戶管理責任，有發現、報告預售資金被違規挪用情況的責任。這無疑是給購房者吃了顆“定心丸”，穩定購房者置業預期，也在某種程度上提振了市場信心。</p> <p>　　“因城施策”，對行情低迷城市放鬆幅度有限。2021年下半年以來，樓市整體遇冷，但城市分化仍舊較為明顯，一二線城市整體表現較好，三四線城市銷售乏力。新規細則落地需結合市場情況制定相應措施，爛尾樓多、行情低迷城市的監管放鬆幅度將有限。</p> <p>　　避免“超額監管”，有助於提高高信用房企預售資金流動性。據不完全統計，截至2021年上半年末，碧桂園、萬科、恒大、保利等預售監管資金均達到數百億元。在知名房企債務違約之後，部分地方政府過度監管預售資金，有資金零撥付現象，業內稱之為“超額監管”。從當前來看，新規細則預計會根據企業經營、財務等狀況進行監管。比如，以“安全交付”為準繩，在“重點額度管理”方面，釋放對高信用房企“超額監管”的擠佔，適度強化監管資金靈活性。陷入債務危機的房企並不在新規利好覆蓋範圍內。</p> <p>　　在“交付先行”主基調下，新規的首要目標是維護購房者權益，整體來看，對房企流動性影響有限，償債能力不足的房企對新規別抱過高希望。想紓困，需要自救。(王麗新)</p></div> <div class="editor f14">[責任編輯：李丹]</div> </div>  <div class="page-number"> <script type="text/javascript"> createPageHTML(1, 0, "t20220224_12409387", "htm"); 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