本报记者 刘宇鑫

Our reporter LiuYuXin

　　近期京城二手房交易回暖，资金监管制度少人问津的现象也随之暴露出来。来自北京房地产中介行业协会的最新数据显示，截至昨日，仍开设专用账户用于二手房交易资金监管的中介机构仅剩下18家，还不到这项制度推广最高峰时的三分之一。为保障二手房交易双方资金安全而设立的资金监管制度，目前正面临着被市场放弃的尴尬。

The recent Beijing second-hand house transaction milder，Fund supervision system for less phenomenon will be exposed。From Beijing real estate intermediary industry association's latest data display，As of yesterday，Still the special account opened for second-hand house transaction regulatory capital intermediaries had only 18，This system is less than one third of the promotion of the peak。To ensure the safety of fund, a second-hand house transaction both sides and the establishment of the fund supervision system，Is currently faced with the embarrassment of give up by the market。

　　“您说的是二手房交易资金监管吗？我们店里已经很久没办过这项业务了。”昨日下午，在南礼士路、马连道附近多家中介门店的经纪人异口同声。两个入行不到一年的经纪人甚至表示：“还没有听说过这项制度，也没见有客户主动要求办理的。”

“You mean the second-hand house transaction capital supervision？Our store haven't done the business。”Yesterday afternoon，In south LiShiLu、Maliandao near several intermediary shop's agent in chorus。Two into line in less than a year's agent said even：“Haven't heard of this system，Also didn't see a customer active request is dealt with。”

　　所谓“资金监管”，是指为保证房屋交易双方交易资金和房屋权属的安全，由买房人将购房款存入资金监管保证机构在银行开立的监管专户，待交易双方完成房屋所有权转移登记后，由资金监管保证机构通知银行按照约定向卖房人支付售房款的制度。

The so-called“Capital supervision”，Is to point to to ensure that housing trade both parties trading funds and the safety of the house ownership，Yet borrowers will purchase by deposit funds supervision guarantee institutions in the supervision of the bank to open an account，Both parties to a transaction to finish building ownership transfer after registration，The capital supervision guarantee institutions in accordance with the contract, notify the bank to pay ShouFangKuan house system。

　　从2007年4月15日开始，北京对二手房交易进行了资金监管，避免二手房房款流进中介公司自有账户。根据这一规定，二手房交易的买卖双方，只能有两种方式进行钱款划转。一种是将首付或者全款打入中介公司在各个银行设立的专用账户，实现资金监管。另一种是在签完《购房合同》之后，再签订《资金自行划转协议》，房款由买卖双方自行划转。

From April 15, 2007 start，Beijing second-hand house transaction to the capital supervision，Avoid second-hand house house money flow into the intermediary company has its own account。According to this regulation，Second-hand house transaction between buyers and sellers，Only there are two ways to transfer money。One kind is down or the entire section into the intermediary company in each bank established special account，Realization fund supervision。Another kind is in the signed the《The contract that buy a》after，To sign《Funds to transfer agreement》，House money by the buyer and the seller to transfer。

　　“由于资金监管制度并非强制措施，而是由交易双方自主选择，因此，这项制度在经历了开始执行前两年的热乎劲儿后，目前被越来越多的买房人弃用。”一家大型中介公司马连道区域门店经理吴先生说，特别是在执行“限购令”后的楼市调控环境中，“先卖一套房，再用房款马上买房”的改善型客户比例明显提高，这部分家庭对于卖房款回款速度的要求更高，甚至把潜在购房人锁定为全款购房的客户，而交易环节的便捷恰恰成了当前资金监管制度的软肋。

“The capital supervision system is not compulsory measures，But by both parties choose independently，therefore，This system after begin to carry out the first two years after the warm strength，At present is more and more to buy room person to deprecated。”A large intermediary company maliandao regional store manager Mr. Wu said，Especially in the implementation“Is restricted to”After the market regulation and control environment，“To sell a suite，Garnish with house money to buy a house soon”Improve customer proportion type obviously improved，This part of the family to sell house money collection speed higher requirements，Even the potential of the person that buy a lock for all of the customers，And trading links and convenient just became the capital supervision system of the soft rib。

　　对此一家品牌中介公司的营销总监深有同感，他认为，实行二手房交易资金监管后，业主必须面临拿钱“延迟”的事实。因为执行资金监管制度的二手房交易流程是，业主卖房时必须持房屋权属登记部门下发的“办结单”，由中介公司与银行方面确认后方可领取剩余房款。

This a brand intermediary company's marketing director sympathetically，He thinks，The second-hand house transaction funds after regulation，The owner must face take money“delay”fact。Because executive fund supervision system of the second-hand house transaction process is，House owner must hold the house ownership registration department of the distributed“Completed single”，The intermediary companies and Banks to identify rear can get residual house money。

　　而目前北京各房管局下发房产证的时间长短不一，除海淀区能够在一天内办出房产证外，其他多数地区的办事机构审核周期一般都需要20个工作日左右，使得业主最终取房款的时间延后，造成部分业主放弃执行二手房交易资金监管。

And at present Beijing each inning of house property card issued by the length of time differ，In addition to haidian district within a day to do out the house property card，Most other areas of the agencies audit cycle generally need 20 working days or so，Make owner eventually take house money time delay，Caused part owner waive the second-hand house transaction capital supervision。

　　从全市范围看，资金监管模式的推广形势也不乐观。据了解，除已建成二手房交易平台的海淀区要求中介机构必须执行资金监管制度外，其余各区县二手房交易资金仍以传统的“买卖双方自行划转”为主，售房回款通常可以比资金监管模式节省近一半时间。

From the whole city scope to see，Capital supervision mode promotion situation is not optimistic。It is understood，In addition to already built second-hand house transaction platform for the haidian district intermediary organizations must carry out capital outside supervision system，The rest of the various districts and counties second-hand house transaction funds still with the traditional“Buyers and sellers to transfer”Give priority to，Housing debt collection can usually than capital supervision mode to save nearly half the time。

　　专家观点

Expert view

　　制度要考虑推行成本

System to consider implementation cost

　　“二手房交易资金监管制度出台的初衷确实非常好，但推行中要考虑到市场发展后的实际情况。”北京房协有关专家说，2007年，资金监管制度出台前，市场上曾出现多起中介拿到客户购房款“卷包跑”。在当时并不十分规范的市场环境下，交易资金安全应该摆在第一位，客户可以将效率放在其次。

“Second-hand house transaction fund supervision system on the introduction of the original intention was really good，But in the implementation should consider market development after the actual situation。”Beijing housing association concerned expert said，In 2007,，Fund supervision system by new，The market had been seen several intermediary to the customer purchase“Roll bag run”。At that time is not very standard market environment，Trading capital safety should be in the first，Customers can will efficiency in the second。

　　五年后，随着楼市的起起伏伏，二手房中介行业已经过了多轮洗牌，资金安全已经不是二手房交易中的首要风险点。在制度执行缺乏强制力的前提下，包括中介、买卖双方在内的市场主体“用脚投票”，主动放弃这一制度成为常态。

Five years later，With the housing market ups and downs，Second-hand house intermediary industry has been several rounds of shuffle，The safety of fund is not second-hand housing transactions in the primary risk point。In the system implementation under the premise of lack of compelling force，Including intermediary、Buyers and sellers in the market main body“Vote with their feet”，The initiative to give up this system becomes the norm。

　　然而，需要提醒监管部门注意的是，在市场普遍呼吁降低交易成本的环境下，如何提高制度执行中的效率和便捷，已经成为资金监管制度继续推广乃至发展的关键。

however，Need to remind the supervision department to note that，In the market is calling for reducing the transaction cost of the environment，How to improve the system in the implementation of the efficiency and convenient，Has become the capital supervision system and continue to promote the development of key。