Why choose trust financing?

1, why choose trust? Is it safe?

Trust is an exotic product and a financial management system originated from Britain.

Entrusted by others to manage money on their behalf.

Trust is protected by the national trust law, and regulated by the China Banking Regulatory Commission just like insurance, and its assets are second only to banks. It is an exclusive financial management tool for the rich.

Trust industry is supervised by China Banking and Insurance Regulatory Commission.

Trust is a wealth management tool protected by national laws. If you trust national laws, you must trust the legitimacy of this trust.

People's Republic of China (PRC) trust law

Article 2 The term "trust" as mentioned in this Law refers to the act that the trustor entrusts his property right to the trustee based on his trust in the trustee, and the trustee manages or disposes of the property right in his own name for the benefit of the beneficiary or for a specific purpose according to the wishes of the trustor.

In layman's terms, it is the behavior of trust companies to take care of property for customers based on their trust in customers.

The origin of trust is "entrusted by people to manage money on their behalf".

If you trust the bank, look at the bank's ~ consignment ~ trust financing.

The bank trust amount is about 6% less interest.

As can be seen from this screenshot, the NPL ratio of this bank is 1.89%. The risk rate of trust assets is 0.98%.

If you trust the bank, the risk rate of the trust is lower than that of the bank, and you can judge for yourself which is safe.

It is not who guarantees safety, but we judge whether it is safe and reliable through data analysis according to its underlying assets and legal supervision.

As we all know, banks not only sell trusts, but also bank wealth management products. So, do you know the difference between bank financing and trust products?

The difference between banks and trusts.

The regulators of banks and trusts are CBRC, but the investment direction is different. Good trust financing is limited to 3 million, which is an investment tool for the rich.

Please have a look at the column where the funds go. The investment destination of bank wealth management includes trust. Listed companies have high security requirements and also invest in trust, which shows that its security is very good.

40% of the trust issuance scale comes from bank financing funds. Why do so many bank wealth management products flow into trust products?

Under the supervision of China Banking Regulatory Commission, the issuers of trust products, namely trust companies, have high social credibility, relatively high safety of trust products and relatively stable income. So the actual situation is that you buy bank financing, and bank financing buys trust.

Screenshot of wealth management products of China Merchants Bank.

If you have only bought bank wealth management and haven't learned about trust, you may wish to look at the investment in bank wealth management product manuals.

Banks trust trusts so much, so is the trust "guaranteed"?

In recent years, the average income of trust is around 8%-9%, and the income level is quite attractive in the fixed income product market. Regarding the topic of "capital preservation", in various financial management methods, the word "capital preservation" is basically not seen because of compliance, and the more common statement is "expected income".

As for whether it can "protect capital", it depends on product structure, investment direction, financing qualification and risk measures. For example, the financing party of fixed-income trust products has good qualifications and perfect risk control measures (such as mortgage, guarantee and pledge). ), or trust companies actively manage trust products. In the current market environment, the risk is controllable and worthy of investors' allocation.

Don't feel risky just because of the word "expected return". According to the regulations of the China Banking Regulatory Commission, neither trust wealth management products nor bank wealth management products can promise to protect the principal and income in the contract, and the relevant words cannot be reflected in the contract. The contract with the relevant words of violation is invalid.

PS: How can trusts achieve higher returns than products such as banks and insurance?

Why is the return on trust investment high?

The biggest difference between trust companies and banks, insurance companies and securities companies is that:

Trust companies are the only financial institutions that are allowed to operate in the capital market, money market and industrial investment market at the same time. Trust companies will hand over the personal funds raised through trust to professionals, and make use of the diversification of trust investment fields to make portfolio investment, which can effectively reduce investment risks to a certain extent and maximize investors' income. At the same time, the trust law protects the independence and security of trust property to the greatest extent, which has certain stability and long-term, and is more suitable for the long-term planning of wealth management and wealth inheritance.

2. What is Zhongrong Trust? How to control risks?

Check the registration information of the enterprise first!

Check the ownership structure of Shanghai Zhongrong Trust.

Shareholder introduction

Zhongrong Trust is controlled by a listed company of central enterprises with strong background!

Zhongrong Trust ranks in the top three.

Zhongrong Trust, formerly known as Harbin International Trust and Investment Company, was established in 1987. With 32 years of management experience, he has paid steadily for 32 consecutive years under strict risk control. Is one of the founders of China's trust industry protection fund.

Zhongrong Trust products are actively managed trusts.

It is necessary to have follow-up management before, during and after the event to control the risks well.

Default rate of various trust types

There are few trusts actively managed in the market, and the default rate is zero so far.

Zhongrong Trust is an active management trust.

For the active management of trust, trust companies dominate the whole process of trust products. The whole process, from the initial project screening, project approval and audit to the later document production, account opening and final trust issuance, is dominated by the trust company itself, which is the significance of active management.

Correspondingly, it is a passive management trust, which is mainly managed by the trust company according to the instructions of the client, and is more of a cooperative role. Therefore, it is called passive management, which is equivalent to a distribution channel paid by the financier, and does not manage the dynamic operation of the financier, so this is also the cause of the problem.

Zhongrong Trust is an active trust, which is why we recommend this trust product.

Risk control of Zhongrong Trust;

Fundraiser: Zhongrong Trust

Manager: Zhongrong Trust

Because it is an actively managed trust, the trust company bears joint and several liability, which is manifested in supplementing secondary liquidity!

Trust prospectus page 13

First of all, this is an actively managed trust, and the current risk coefficient is zero. But to say the least, if we can't handle it, we will start the priority and inferior capital structure.

This structural product design will give priority to the protection of the principal of the investment beneficiary. The total capital ratio of priority beneficiaries to secondary beneficiaries is 9: 1. According to the product contract of Zhongrong Tang Sheng, even if the inferior fund loses money, the trust company needs to supplement it with its own funds, and this difference will make up for the support and lock the income.

Then there is

The Risk Control System of Zhongrong Trust Company

Multiple risk control means

Finally, there is the Ministry of Finance taking the lead.

Trust industry guarantee fund

The Trust Industry Guarantee Fund is established in accordance with the Trust Law of People's Republic of China (PRC), the Company Law of People's Republic of China (PRC) and the Banking Supervision Law of the People's Republic of China, aiming at providing a reliable source of funds for maintaining industry stability and boosting market confidence. By the end of 20 18, the management scale was 15000.

At CITIC Bank,

The general manager of Zhongrong Trust is Deng, one of the directors of CITIC.

Let's introduce the products of Zhongrong Trust.

Active management type

Different returns at different times.

Capital investment destination

Trust assets strictly control the scope of investment, whether it is allowed or not, and the scope is written in the contract.

Post-investment report

Zhongrong Trust will also have regular management reports, which is also the advantage of active trust, and constantly report assets to investors.

Therefore, it is right to choose Zhongrong Trust.

Look at the product contracts in the group. Write here first. Tomorrow will be very busy, so I will revise it when I have time.