Financialization is a core feature of the platform economy,expanding the utilities and risks of the platform business model.The long-term rental platforms take part in the transaction and introduce the financial mechanism,which have reconstructed the transaction basis of the housing lease,effectively realized the public's demands on the high quality and affordable housing lease service,while produced negative externalities and risks.The consequentialism regulatory path centered on'de-financialization'has reduced social welfare and left behind transaction disputes,which should be reconstructed based on the concepts and methods of holism.At the level of rule governance for social welfare,it is essential to reasonably expand the legal capacities of the long-term rental platforms,set up different types of access standards and codes of conduct,and introduce default insurance and compensation fund to strengthen risk control.Under the current policy of'de-financialization',it is urgent to allow the long-term rental platforms to carry out loan assistance business and encourage them to subsidize lessees to purchase default insurance;monitor the risks of the business behaviors of long-term rental platforms,such as high payment to lessors while low price to lessees,long-term rent revenue from lessees while short-term rent expenditure to lessors,instead of directly identifying them as illegal;implement financing support policies for long-term rental platforms to motivate them to maintain housing investment.At the level of improving supporting systems,it is necessary to strengthen the application of contract rescission restrictions and rent stability in the regulation of the financialization of long-term rental platforms.
NETL
NSTL
万方数据
维普
