背景:近年来,随着房价的走高,二手房市场也日益火爆,大量聚集的资金,让“房地产中介+金融+互联网”的模式越来越吃香。然而,由于地产中介金融服务绕过了商业银行的贷款机制,导致资金的流动缺乏有效监管,潜在的风险无处不在。依法规范地产中介机构的金融服务活动,显得十分紧迫(3月21日《法制日报》)地产中介提供金融服务,其初衷是为了促销房产,但客观上却解决了购房者首付资金不足的燃眉难题。从全国 Background: In recent years, with the rising of house prices, the second-hand housing market is also getting hotter and hotter. The large amount of funds gathered makes the model of “Real Estate Agency + Finance + Internet” more and more popular. However, as real estate intermediary financial services bypass commercial banks’ lending mechanisms, resulting in the lack of effective regulation of the flow of funds, potential risks are everywhere. According to the law, real estate intermediary financial services activities, it is very urgent (March 21, “Legal Daily”) real estate intermediaries to provide financial services, the original intention is to promote real estate, but objectively solved the buyers down payment of insufficient funds problem. From the country