Buying a trust by bank loan does not conform to the principle of bank loan, and the difference between trust income and bank loan cost is about 4-5%.
Second, the advantages and disadvantages of bank trust and suggestions?
High income and good stability are the main selling points of trust wealth management products. Trust products are generally trust plans such as infrastructure, high-quality real estate and equity pledge of listed companies with excellent qualifications and stable income. Most of them are guaranteed by large third-party enterprises (real estate and real estate will be mortgaged), which is safer than general floating income wealth management products. Since the beginning of this year, the annual yield of trust products on the market is generally around 6%-7.5%. However, with the bank raising the deposit reserve ratio several times, some annual returns have increased to 7%-9%, and the income is much higher than that of deposits in the same period. 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.
The reason why trust wealth management products are not well known by many wealth managers is because they are subject to a higher threshold. The capital threshold of various trust products launched by trust companies is mostly above 6.5438+0 million yuan, with a minimum of 500,000 yuan. In addition, compared with stocks and bonds, the liquidity of trust products is weak and the ability to realize cash at any time is relatively poor.
3. Is it reliable to buy trust products with bank loans?
When buying a trust, we should pay attention to the risk of payment, who will guarantee it and who will pay it. This is the key. For example, some are guaranteed by local governments, and finance pays the bill. This is more reliable.
4. Is it safe to buy trust products?
Trust products are considered to be very safe, actually in the past, because there was never any risk before 20 14. It was not until the last year or two that some default events were reported after the trust broke the rigid redemption, but the number was not much. Trust is actually a professional organization that guides people to do asset management services. Trust companies in China are authorized and supervised by the China Banking Regulatory Commission. There are 68 trust companies in China. We buy trust products to invest in trust products of trust companies. In fact, there are many kinds of trust products. The most mainstream is the credit wealth management products that we usually buy the most. In China, except that banks can only lend money to legally qualified financial institutions, this product is investors' funds. A trust company lends money to a company or a project, and stipulates the loan term, interest rate and maturity date. As long as the company operates normally, it will return the money to the investors. At present, the risks of trust companies are mainly concentrated in financial management center, trust business headquarters, securities management headquarters, proprietary business headquarters and other departments. At the same time, the fund management department, as the business support department of the company, has a direct and significant impact on the risk. Policy risk refers to the risks brought to trust enterprises by changes in fiscal policy, monetary policy, industrial policy and regional development policy. Fiscal policy and monetary policy have a significant impact on capital market and money market, and industrial policy has a significant impact on industrial investment. The degree of marketization in China is not enough, and policy factors often have a decisive impact on the development of a certain industry or market. These policy factors can directly affect trust and investment companies, or indirectly affect trust and investment companies through other parties involved in trust business. The legal risk of trust business mainly refers to the uncertainty of the legality of trust business and the safety of trust property caused by the imperfection or revision of trust law and its supporting system. China's current legal system conflicts with the equity trust law, and a large number of laws and regulations supporting trust, such as trust registration system, trust tax system and information disclosure system, are imperfect. In this case, the legal risk of trust business is more obvious. That is, the inherent property of trust or the risk of loss of trust property due to price changes. Market risk can be divided into interest rate risk, exchange rate risk, price risk and inflation risk. For trust and investment companies, it mainly refers to the credit risk of all parties involved in the operation of trust property. In the process of trust property management, the application of trust property will lead to the operation of trust property by the parties, form a new principal-agent relationship, and also generate new credit risks. In the process of operation, the actual use or control of the trust property is to maximize its own interests. Without the use of trust funds, it enters other risk projects according to the contract or trust funds, resulting in the loss of trust property.