What is the difference between trust, asset management and targeted financing plan?

Asset management plan. The differences with a trust plan are as follows:

1. The role of the manager is different;

2. The scale of the two is different;

3. The regulators of the two are different;

4. Different functions;

5. Other differences.

Collective Asset Management Plans.

As the name suggests, it is a collection of clients' assets, which are managed by professional investors (subsidiaries of brokerage firms). It is an innovative product developed by a subsidiary of the company for high-end customers, and invests in the assets of equity or fixed income investment products agreed in the product.

The collective asset management business is a value-added financial service provided to investors by the ** company that has been approved for innovation pilot. The collective asset management plan shall be provided to qualified investors.

The cumulative number of qualified investors shall not exceed 200. Only innovator** companies are eligible to carry out this business. Innovative** companies require net capital from a comprehensive brokerage.

To be more than 800 million yuan, the net capital of economic securities companies should be more than 100 million yuan, and they can be qualified to engage in various innovative activities under the premise of approval.

A collective capital trust plan (referred to as a trust plan) is provided by a trust company.

Acting as a trustee, in accordance with the wishes of the settlor, for the benefit of the beneficiary, the funds delivered by two or more settlors are centrally managed, used or disposed of.

The advantages of trusts are as follows:

1. High returns, when it comes to financial management, investors are most concerned about the rate of return, the annualized rate of return of trust products.

Far more than bank wealth management products.

and fixed deposit rates;

2. Wide range of investment and flexible application methods;

3. Diversification of trust property;

4. The independence of the trust property, which is different from other properties of the settlor and the inherent property of the trustee without a trust;

5. The continuity of the trust plan, once the trust is established, the trustee shall not abolish or revoke the trust except for revoking the right in advance, and the trustee of the sold Zen God shall not resign at will after accepting the trust; The existence of the trust is not interrupted by a change of trustee.

The differences between an asset management plan and a trust are as follows:

1. The concept is different.

The asset management plan is a collection of clients' assets and is managed by professional investors (** subsidiaries of brokerages). It is an innovative financial service product developed by the company's subsidiary Yuanbu for high-end customers, and invests in the assets of equity or fixed income investment products agreed in the product.

Trust is an act in which the settlor entrusts its property rights to the trustee based on its trust in the trustee, and the trustee manages and disposes of it in its own name for the benefit of the beneficiary or for a specific purpose according to the settlor's wishes.

2. The management content and application scope are different.

Asset management products are only an investment and financing tool. In addition to being an investment and financing tool, trusts also have application value in many fields such as family wealth preservation and inheritance, family members' pension and education, consumption and entertainment, social charity and donations. Asset management products are the management of funds, and trust products can also manage some things in addition to fund management, especially in family trusts, where affairs management is more important than fund management.

3. The advantages are different.

The asset management company is controlled by the financial institutions of public offering, ** company or ** company, and the strength of shareholders is not weak, but the registered capital is mostly tens of millions of yuan, which is still weaker than the trust.

However, the investment scope of asset management has advantages over trusts, and the scope restrictions are smaller, such as stock index**, margin trading, and securities lending, at present, only a few trust companies can carry out stock index ** business, margin financing and securities lending have not yet been opened to trusts, and there are no restrictions or relatively few restrictions on asset management of securities companies. In addition, the leverage restrictions of trust products are also more than those of asset management.

Content from user: Education and Teaching Library.

What are the differences between an asset management plan and a trust plan?

1. It must be reported to the regulatory authorities, the trust is supervised by the CBRC, and the asset management plan is supervised by the CSRC; 2. There are strict regulations on capital supervision and information disclosure; 3. The subscription method is the same, and the project contract, specification and other similar methods are similar; 4. The essence of the same channel is different, all belong to the investment and financing platform, and can be involved in the capital market, money market, industrial market and other fields. 1. There are 68 trust companies in the country that are qualified to issue, while there are only 36 asset management companies, and the scarcity of resources is more obvious; 2. Asset management companies have strong investment and research capabilities, especially in macroeconomic research and industry research. Under the guidance of such a research team, the selection of investable projects can effectively increase the bargaining power of the financier and reduce the investment risk. 3. The asset management plan has double credit enhancement and has been reviewed by the asset management company and the trust; 4. The asset management plan is available in small amounts, with a maximum of 200 places; 5. High returns, asset management plans are generally 1% higher than trust plans; The term of the asset management plan is short, and the term of the asset management plan is generally not more than 2 years.

Future trend: ** special asset management plan is the result of financial innovation advocated by the China Securities Regulatory Commission, due to strict supervision, flexible operation, high returns, small unrestricted, professional management and other advantages, in the future, ** special asset management to spin off trusts or initiate trust products is an inevitable trend. **How to understand the "rigid payment" of the quasi-trust business of the subsidiary?

First of all, "rigid payment" is an attitude of the regulator. **The subsidiary's quasi-trust business, his "rigid payment" expectation is strong, mainly from the following aspects.

The difference between an asset management plan and a trust:

Similarities:1It must be reported to the regulatory authorities, the trust is supervised by the CBRC, and the asset management plan is supervised by the CSRC.

2.There are strict regulations on capital supervision and information disclosure.

3.The subscription method is the same, and the project contract, specification, etc. are similar.

4.The essence of the same channel is different, all belong to the investment and financing platform, can be involved in the capital market, money market, industrial market and other fields.

Differences:1There are 68 trust companies in the country that are qualified to issue funds, while only 36 are asset management companies, and the scarcity of resources is even more obvious.

2.Asset management companies have strong investment and research capabilities, especially in macroeconomic research and industry research. Under the guidance of such a research team, the selection of investable projects can effectively increase the bargaining power of the financier and reduce the investment risk.

3.The asset management plan has dual credit enhancement and has been reviewed by the asset management company and the trust.

4.The asset management plan is available for a small amount, with a maximum of 200 quotas.

5.High returns, asset management plans are generally 1% higher than trust plans; The term of the asset management plan is short, and the term of the asset management plan is generally not more than 2 years.