This goal is not easy. First of all, customers must trust the bank very much, thinking that the bank will bottom out and will not generate principal risk. Moreover, customers with larger assets have higher requirements for risk. I think the transformation may require the following three conditions:

1, the client's assets are large enough, and the trust usually needs at least 1 10,000. For customers who have not bought trust products, the amount of funds is large and they are very cautious. If 1000000 yuan is all the money of the customer, I suggest you change to another customer. If 654.38+0000 is not too big for customers, you can consider giving it a try.

2. Customers pay more attention to income and are not satisfied with the bank's wealth management rate of return. If the customer is satisfied with the rate of return, it is estimated that the opportunity is not great.

3. Customers have a certain tolerance for risks, understand that the higher the risk, the greater the income, and are willing to get a slightly higher income under certain risks (of course, the probability of such risks is not too great, at least smaller than many non-bank wealth management products).

Well, those who meet the above conditions are your target customers, and then we will enter the communication and guidance link. Guidance is nothing more than the following three points:

1, the project is good: how formal the project is, the government background or support, how many guarantees, how many mortgages, how strong the repayment ability is, and how strict the audit is.

2. Low risk: Trust itself is a low-risk product in financial management, and it has always defaulted to "rigid redemption". If something goes wrong, there is a great chance that financial institutions will get the principal and interest. Although there is a trend to break the "rigid redemption", throwing is a low-risk product and the first choice for stable users.

3. High income: Compared with the structured financial management of banks, trust income is high. Compared with other Internet financial management, such as Yu 'ebao, the yield is also much higher. In addition to high-risk loan products such as P2P, trust is a high-yield product, which can basically surpass CPI.

The above is my personal opinion, I hope it will help you, and we can continue to communicate about how to deal with customers.

Loan trust financial products usually adopt the following loan trust methods.

Loan trust uses trust funds in the form of loans, which is the main form of fund trust. It is based on the principle of actual profit and dividend, and the trustee is not allowed to promise to guarantee the principal and minimum income of trust funds. It is a financial product with ever-changing advantages and disadvantages. Loan trust financing products usually adopt loan trust methods: credit loan, guaranteed loan, seller's credit, bill discount and mortgage loan.

First, the loan conditions refer to the conditions that borrowers or individuals should have to borrow from banks. Our current loan terms are:

(1) An enterprise established with the approval of the competent department and holding a business license issued by the administrative department for industry and commerce at or above the county level, and a product with a production license for industrial products implemented by the state shall obtain a production license, that is, the loan object is legal;

(2) independent economic accounting, with capital utilization, production and operation management, that is, the loan object has obtained legal person status and assumed clear economic responsibilities;

(3) Have a certain amount of self-owned liquidity and establish a liquidity supplementary system, that is, the loan object should have the ability to operate normally and take risks;

(4) Open an account in a bank and submit financial and accounting statements and statistical data to the bank on time, that is, the loan object should accept the supervision of the bank.

Second, the conditions for applying for a loan to buy a house:

1,18-a natural person aged 60 (Hong Kong, Macao and Taiwan and foreigners are also allowed).

2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.

3. The borrower's actual age plus the term shall not exceed 70 years old.

4. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the lending bank.

5. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses.

6. There are assets recognized by the loan bank, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as collateral.

When purchasing wealth management products, can I choose trust?

With the continuous development of social economy, more and more people will buy corresponding wealth management products in real life, which can make their lives better. But in the process of purchasing wealth management products, we believe that many friends will encounter many problems, especially when purchasing wealth management products. We are curious about whether we can choose to trust. In fact, when we buy the corresponding wealth management products, we can choose trust.

First of all, we need to understand this problem, that is, when we buy wealth management products, we can choose to buy the wealth management products of the corresponding trust companies, because the income of many trust companies' wealth management products is actually very good, which can let many investors get the returns and benefits they want after investing, so it is still very good to buy wealth management products of trust companies, which can greatly reduce certain risks. However, we should pay attention to some related operational matters during the purchase process.

First of all, when we choose a trust company, we must focus on the strength of the guarantor of the trust company. If it is a trust project guaranteed by a bank, or a loan promised by a bank at a later stage, the security certificate will be very high. Although the income will be lower, the risk of connection will be particularly low. In addition, we must make relevant investments according to our own situation, because everyone's ability to take risks is different. So be sure to evaluate your ability to take risks and buy a trust that suits you. Of course, the income obtained in this way will not be very high, but it is the most important thing to solve this problem according to the actual situation.

To sum up, we can know that when purchasing wealth management products, you can choose a trust, and when choosing a trust, you must follow these related operational precautions to buy.

What are the main risks faced by the loan bank's trust wealth management products?

(1) The market risk here mainly refers to interest rate risk. Compared with stocks, futures and other investments, RMB wealth management products are less risky, but they will still be affected by interest rates. In particular, credit wealth management products are closely related to the interest rate level of banks. If the interest rate of bank deposits is greatly increased, the short-term trust wealth management products may be restricted, but in the medium and long term, the opportunity income of raising interest rates may be lost.

(2) Liquidity risk According to experience, the high-yield period of wealth management products is usually longer. Short-term and relatively short-term gains. Compared with other wealth management products, trust wealth management products have a longer investment period, so customers have no right to withdraw and redeem the products in advance, and investors can only hold them after purchase. Therefore, the liquidity risk of trust wealth management products is high.