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购房借款:上市公司员工激励出新招 [复制链接]

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发表于 2017-6-14 14:56:41 |显示全部楼层
上市公司坚朗五金、金卡智能此前通过公告发布的《员工购房借款管理办法》显示,公司使用部分自有资金为员工购房提供借款。焦点科技自2012年首次推出员工购房借款以来,已审核并发放了8期,累计受益员工325名,涉及金额6701万元。科远股份也已发行第三期员工购房借款。给员工借款买房,已成为上市公司完善员工福利制度体系、激励员工工作积极性的一大手段。

贷款申请门槛低

据统计,2008年以来,13家上市公司推出员工借款买房方案,并连续推出多期。方案针对的人群多为公司普通员工,满足一定服务期限、确实存在住房困难的可申请。以焦点科技为例,符合条件的员工包括在焦点科技及全资子公司服务期满两年的,控股股东、实际控制人及其关联人、公司董监高及其关联人除外。通常,员工拿到借款后,要专款专用,直接划转到一手房售楼处或二手房中介处。

还款方面,员工只需在规定期限内分期还款,期限内免息,通常为5-8年,具体操作各家上市公司略有差异。科远股份公告称,申请人应在5年借款期内,5个年度按约定的比例进行还款。各年度还款分为两部分进行偿还,本年度还款额的80%通过在员工工资中按月扣除的方式偿还,剩余20%借款由员工在还款年度结束后的20日内,自行筹款直接交由公司财务部。焦点科技公告称,员工获得的购房借款在约定的还款期内免息。借款期限最长为5年,员工等额、按月向合作银行还款,也可申请提前还款。

律师认为值得鼓励

在员工借款后的行为约束方面,上市公司通常与银行合作,纳入银行征信系统。不良信用行为将影响员工今后的征信记录。同时,员工承诺并授权公司,在其违反借款合同约定时,公司有权处理其薪金、报销费用等一切应得利益或款项。优先用于偿还借款本息及罚息。海翔药业称,如果员工出现离职情况,公司有权要求其提前归还全部借款并支付罚息,或将房产以购买价格平价转让给公司。

公告显示,为员工提供的借款通常是上市公司的自有资金,也有一些从员工工资中提取购房借款专项资金。坚朗五金公告称,公司每年提取公司员工上一年度工资总额的1%作为购房借款专项资金,该专项资金使用后所产生的回款及尚未使用额度将循环用于支持公司员工购房。

北京市东易律师事务所律师熊希哲称:“上市公司为员工提供贷款买房,其本质是法人与自然人之间的借贷关系。我国现行法律规定及实践是允许自然人与企业之间进行资金拆借的,因此这类借贷行为是合法的。另外,这些上市公司审议上述事项时,均依据公司章程或议事规则的规定,履行了董事会或股东大会审议程序并依法披露,这样对于具体的某个公司而言,向员工提供借款买房也是合法合规的。从公司治理及经济学的角度,在合法合规的框架下实现公司、股东、管理层及员工队伍各方利益的尝试,都值得鼓励,这样对各方都是有利的。”

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Rank: 2

发表于 2017-11-25 05:08:18 |显示全部楼层

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Rank: 4

发表于 4 天前 |显示全部楼层

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