First of all, investors need to remain calm, sort out the solidified evidence, and remember not to blindly defend their rights through illegal means. Keep the trust contract, subscription agreement and other basic legal documents, and sort out the payment vouchers and income vouchers. Organize each periodic information disclosure report and temporary information disclosure report of the trust company during the existence of trust products.

In addition, contact the subscription account manager as soon as possible to obtain sufficient information in time. Including the underlying assets invested in trust products, the next response measures taken by the trust company or fund manager, some industrial and commercial information of the underlying assets, and some professional tools can also be used to obtain information to clarify whether the project company is involved in litigation and whether there are other foreign investments.

Trust product is a kind of wealth management product that provides investors with low risk and stable returns. Trust varieties are very diverse in product design, and each will have different characteristics. The risks and income potential of various trust varieties may be quite different.

Investment type

loans trust

The loan trust refers to the trust method that absorbs funds and issues loans through the trust. This kind of trust products is the largest category.

As a traditional business, loan has a relatively simple business process and mature risk control means. It is logical for trust companies to choose this way to enter the market and establish a brand in the early stage of the exhibition industry. Investing through loans makes this kind of trust products have the following characteristics in terms of income risk:

First of all, there is a ceiling on the income of the project. The income comes from the loan interest, and the relevant interest rate standards of the People's Bank of China are implemented. This means that the customer's income ceiling is the loan interest rate, and he is faced with the management fee of the trust company, which may deduct this income. Different management fee accrual methods mean that the degree of income deduction is different, which directly affects investors' income.

Secondly, although trust companies choose related projects for loans according to their own professional skills, they can only rely on trust in trust companies because of asymmetric information.

However, after the reorganization of trust companies, their own credit mechanism has not been established, and the credit risk of loans must be controlled through external mechanisms. Therefore, the risk control of trust is very important for investors. First of all, we must understand and judge whether to invest in it.

equity trust

Such trust products raise funds by setting up trusts for rights and interests that can bring cash flow. Its outstanding advantage is to realize the realization of the intangible assets of the company, thus accelerating the capital turnover of the company to which the equity belongs, realizing the replacement of different growth assets, and helping the company to grasp favorable investment opportunities, quickly intervene and maximize the company's value.

Financial lease trust

Trust companies raise trust funds by setting up trust plans and apply them to financial leasing business. Through strict professional and streamlined management, and through regular rent collection, trust income can be realized and safe and stable financial returns can be provided for social investors.

Real estate investment trust

Land and all kinds of building facilities above or underground are collectively called real estate. At present, many enterprises generally invest in real estate development.