A: Hello, the Measures for the Administration of Collective Funds Trust Plans of Trust Companies stipulates that a qualified individual investor should meet one of three conditions: the personal income in the last three years has exceeded RMB 200,000 per year, or the total income of both husband and wife in the last three years has exceeded RMB 300,000 per year, and proof of income can be provided; When subscribing to the trust plan, the total financial assets of an individual or family exceed 6,543,800 yuan, which can provide proof of property; The minimum investment amount of a trust plan is not less than 6,543,800 yuan.

First, the reasons for setting the trust threshold

1. Improve the risk tolerance of the whole customer base of the trust industry. Generally speaking, mature high-end investors have stronger risk identification ability and stronger risk tolerance. Setting the investment threshold can isolate ordinary investors with weak risk tolerance according to the amount of funds.

2. Setting the investment threshold can limit the number of participants in the collective trust and ensure the private nature of the collective trust. Under the current legal framework of our country, collective trust is private and not open to the public. If the entry threshold is too low and too many people participate in the project, it will deteriorate into a public product and lose the nature of private placement.

3. Weaken the financing ability of collective trust. Previously, due to industry development, market recognition and other reasons, the scale of trust was small, which was a minority in the entire financial industry. At the macro-policy level, it is mostly a supplement to the regulation of credit policy, and has little influence on credit policy and monetary policy. However, at present, the scale of trust is large, and the direct financing function has actually become an important supplement to bank credit, which will introduce funds into industries that the government needs to regulate or eliminate, which is not conducive to macro-control.

It can be seen that trust products cannot be popularized, and its threshold will exist for a long time. With the inflation rate rising and the currency depreciating, the starting point of individual investment collective trust investment has increased from tens of thousands of yuan in the previous period to 6.5438+0 million yuan, which may be further increased, and the threshold of "large amount" may be increased from the current 3 million yuan to 6 million yuan.