Detailed:
Trust is trust. Refers to the act of managing, managing and handling an economic affairs on behalf of others. Trust business handled by banks is banking business conducted as an intermediary, which can be classified as intermediary business.
In trust business, the person who owns the trust property is usually called the principal. They entrust their property to others for management and disposal in order to achieve a certain purpose. The trustee is the person who accepts the trustee's request and manages and disposes of the trust property according to the contract. When the client entrusts the property to the trustee for management and disposal, both parties need to sign a contract or agreement, which is called trust behavior. Income will be generated through trust activities, and the person who enjoys the trust income is the beneficiary, which can be the principal himself or a third person. The economic relationship between the trustor, the trustee and the beneficiary around the trust property is called trust relationship.
According to the different objects, purposes and business contents of trust, the types of trust can be divided in many ways. According to the object, it can be divided into personal trust and legal person trust; According to the purpose, it is divided into for-profit trust and non-profit trust; According to the beneficiaries, it is divided into self-interest entrustment and other-interest entrustment; According to the benefit scope of trust, it can be divided into public letter and private letter; According to the content of trust business, it can be divided into fund trust and non-fund trust; According to the basis of trust behavior, it can be divided into free trust and legal trust; According to the field and scope of trust business, it can be divided into domestic trust and international trust; According to the nature of trust affairs, it can be divided into civil trust and commercial trust.
As an intermediary business of banks, trust has three functions:
Financial function. Because trust focuses on raising funds and financing, financing through trust is also an important financing method.
Financial management function. Because the generation of trust begins with financial management. The so-called financial management means that the trust institution accepts the entrustment of the property owner to manage and handle the property for it. As far as the businesses handled by domestic bank trust departments are concerned, they all have financial management functions.
Credit service function. As an intermediary business of banks, trust can provide rich credit services to legal persons and organizations according to actual needs.
At present, banks in China provide the following trust services:
Trust deposit. Refers to the funds that enterprises, units or individuals can use independently, which are deposited in trust institutions and entrusted to use on their behalf, but the objects and purposes are not specified.
Trust loan. It is a kind of trust business in which trust institutions provide funds to enterprises in the form of loans with general trust deposits and part of their own funds absorbed, and charge interest.
Trust investment. Trust institutions directly invest in enterprises as investors. The sources of trust investment are the trust institution's own funds and long-term stable trust deposits.
Property trust. Trust institutions accept the entrustment of entrusting units to sell or lease property to designated or unspecified units.
Entrusted loan. According to the requirements of the entrusting unit, the trust institution uses the loan funds pre-deposited by the entrusting unit to issue loans according to the objects and purposes specified by the entrusting unit.
Entrusted investment. The trustor deposits the funds to be invested in the trust institution and entrusts it to invest in the designated enterprise or project, and the trust institution will supervise the operation and management of the enterprise and the income distribution on its behalf.
Question 2: What is the trust of banks? Is that what the landlord said? Banks themselves do not issue trust products. On the one hand, its trust is a trust product of a trust company, and on the other hand, it is a wealth management product of bank-trust cooperation, which is equivalent to splitting a large trust into a low-threshold product of 565,438+10,000 with the bank's fund pool, and the term will be split into 3 to 6 months. If your capital is allowed to be 6,543,800+0,000 yuan, you can purchase the trust directly through a third-party financial institution, so that the financial institution can carefully select the trust financial products suitable for you among many trust products. The seven-year income is generally around 9%.
Question 3: What does trust mean? Trust is a special property management system and legal act, and also a financial system. Trust, banking, insurance and securities together constitute a modern financial system. Trust business is a legal act based on credit, which generally involves three parties, namely, the trustor who invests in credit, the trustee who is trusted by others and the beneficiary who benefits from others.
Question 4: What's the difference between a trust account and an ordinary bank account? Trust account refers to the special account for trust funds opened by the trustee. It is usually supervised by the entrusting party, the entrusted party and the bank.
Question 5: What's the difference between bank trust deposits and ordinary deposits? Trust deposit is the funds absorbed by trust institutions for specific purposes according to the requirements of clients, and it is an important source of funds for trust institutions to operate their business. Compared with ordinary bank deposits, trust deposits have the characteristics of longer deposit period, larger amount, higher interest rate, limited use and inability to withdraw the principal at will. According to different purposes, trust deposits include entrusted loan deposits, entrusted investment deposits, unit trust deposits, public welfare fund trust deposits, labor insurance fund trust deposits, personal special trust deposits and so on. Trust deposits are generally divided into ordinary trust deposits and special trust deposits. Its interest rate consists of two parts: (1) agreed principal-guaranteed interest rate. This part of the interest rate is the same as the fixed interest rate of bank deposits, which is paid by the financial trust department according to the regulations; (2) Dividends. This is paid by the financial trust department after the final accounts of the fiscal year according to the actual use of trust funds of various units. View original post >>
Question 6: What does a trust loan mean? The definition of trust loan refers to the loans granted by trust institutions to self-approved units and projects with their own funds such as trust deposits within the scope prescribed by the state. Classification of trust loans According to whether the trustor puts forward specific requirements, trust loans can be divided into two categories: Class A trust loans and Class B trust loans; According to the purpose of the loan, it can be divided into fixed assets trust loan, working capital trust loan and temporary working capital trust loan. According to the different subjects of project selection and the different standards and requirements of clients, loans are divided into Class A trust loans and Class B trust loans. The so-called Class A trust loan refers to the loan project designated by the client, and the client is responsible for the project risk; Class B loan is the project selected by the trustee, and the risks shall be borne by the trustee accordingly. The difference between trust loan and entrusted loan: the object and purpose of entrusted loan are designated by the client, while the object and purpose of trust loan are selected by the trust institution; The management of entrusted loans is relatively loose, while the management of trust loans is as strict as that of bank loans. Compared with bank loans, the interest rate of trust loans has a certain floating range. Therefore, trust institutions can support the special and reasonable capital needs of some enterprises under the conditions permitted by national policies. The main business of trust loans trust loans mainly include joint venture investment trust loans, technical transformation trust loans, compensation trade trust loans, housing trust loans and so on.
Question 7: What is the concept of trust? Trust financial management is a kind of property management system, and its core content is "entrusted financial management". Specifically, it refers to the act that the trustor entrusts his property rights to the trustee based on his trust in the trustee, and the trustee manages or disposes in his own name for the benefit of the beneficiary or for a specific purpose according to the wishes of the trustor. In 20 10, the issuance scale of the trust market was 3 trillion, with an annual growth rate of over 30%. Trust products are products issued by trust institutions and sold through banks, securities companies and professional independent financial management companies. The income of trust wealth management products can be fixed or floating. At present, the mainstream products in the market are still dominated by fixed rate of return, with an annual income of 9- 13%, which is the biggest selling point of trust wealth management products. Trust plan products are generally infrastructure trust plans with excellent qualifications and stable income, and most of them are guaranteed by third-party banks, which is slightly safer than simple trust investment projects. At the same time, in the process of investment, banks will constantly monitor and track the trend of loans to avoid the investment risks of trust projects to the greatest extent. Superiority Wealth Management Center, Zhanheng Wealth Management, noah wealth, etc. , influential in the market, mainly engaged in trust products.
Specific Baidu Encyclopedia also has detailed answers.
Question 8: What are the differences among banks, securities and trusts? Banks, securities companies and trust companies are all institutions, and the difference lies in the sales groups. . .
Banks are geared to the public, while securities companies' products are geared to the public and customers. Trust products are completely privately owned (and the capital threshold is relatively high, and the customer's ability to resist risks is relatively strong, generally from 100W).
Question 9: How do banks and trust companies cooperate? At present, the most extensive cooperation between banks and enterprises is financial management. Bank-trust wealth management cooperation business refers to the trust business in which the company accepts the entrustment of funds under the bank wealth management plan and manages, uses and disposes according to the agreement in the trust documents, including the trust business in which bank wealth management funds are directly delivered to the trust company for management and the trust beneficiary right business in which bank wealth management funds are indirectly transferred. Classification can be divided into three categories: investment category, financing category and portfolio category. Investment categories: including equity investment, bill investment, bond investment, securities investment, financial derivatives investment and structured products. Entrusted by wealth management funds, trust companies invest in the above areas through management, which is not particularly different from ordinary funds. Financing: including trust loans, transfer of credit assets, etc. What could have been transferred to bill assets is now prohibited. However, it is still possible to carry out financing business with unexpired bills as the pledge target. A combination class is a combination of one or more of the above. The most common and extensive category is financing. Because trust is the only financial institution with legal lending qualification except banks, its position in the loan business is the same as that of banks. There are two main motives for banks to cooperate in financing: First, at present, due to the restrictions of deposit interest rate, loan-to-deposit ratio and window guidance, many loans may not be released, or the released loans also hope to be transferred as soon as possible, so trust companies can cooperate to transfer creditor's rights to trust companies, or directly introduce them to trust companies for release. Second, wealth management funds cannot be directly transferred to the bank's credit assets, which is explicitly prohibited. Banks need to provide stable products to wealth management customers and maintain customer relationships. Through the cooperation between banks and trusts, credit assets are transferred by trusts and then sold back by banks to meet the needs of wealth management customers.
Question 10: What exactly does trust mean? Can you change it to a more common way? Thank you. Trust is a project issued by a trust company supervised by the CBRC, in the form of a certain period of income. It is very similar to bank financing, but compared with bank financing, the income is higher, but the investment starting point is also higher.
Trust can be said that the risk coefficient is very low in wealth management products with the same income, and it is also the first choice for many high-net-worth customers to invest in wealth management.