What do you think about trusts? What is a trust?

For example, in the issuance of corporate bond trusts, there may be thousands of lenders, and it is impractical to conduct transactions directly, and it is also difficult to set up a guarantee for each person on the borrower's property in practice, because it will consume a lot of manpower and material resources. Thus, the trustee acts as a representative of the lenders' pools and holds security for their benefit, thus avoiding the above difficulties and facilitating both the borrower and the lender. Moreover, the trustee holds the interests of the beneficiaries in an independent trust** and is not affected by the bankruptcy of the trustee, and if the trust company is dissolved, a new professional trustee will be appointed to protect the interests of the beneficiaries.

The original intention of trust is to trust the entrustment, which is that the settlor takes the initiative to initiate the entrustment and hand it over to a trustworthy institution to provide professional services for itself. In China, trust has become a non-bank financial industry to raise customer funds and serve larger financiers. And they are protected by the Trust Law and do not have to be responsible, only intermediate business, and it is an institution that only collects money and does not work, and strictly manages it!

Trust is a kind of credit, a kind of contract, and a medium (or an intermediary). As personal and business credit, trusts have a solid background and illustrations. As a written deed, a trust has laws or regulations that can be relied upon.

There is no new way of guaranteeing services for the guarantee services and the price obtained from their realization, pledges, mortgages, liens, and deposits. The fundraiser or guarantor is required to repay the joint and several guarantee obligations. Most of the items that are about to expire are in 2009 secondly, concerned about the operation of the means and the origin of the first repayment.

Capital injection trusts require capital injectors to be proud of their profits and losses, and for financing cargo trusts, enterprises are required to pay rigidly.

Now there are more and more ** on the street, whether it is guessing the playing cards or guessing the big and small, they not only sell themselves, but also find a group of accomplices to watch, let them pretend to win money in order to attract more hookers. These accomplices are commonly known as childcare, and their role is to provide indirect credit and endorsement to **, so that people feel that this is a fair game and everyone has the opportunity to make money. This is also a skill that we can get hold of in the long run.

If you have enough funds, buy a trust! This is a channel for banks to make money, and it is an unspoken wealth just redeemed, and the annual interest rate is above 8.

Credit is actually divided into direct credit and indirect credit. In daily life, direct credit refers to self-established credit, and indirect credit refers to third-party introduction, recommendation or even endorsement. Of course, in the financial sector, this concept also refers to substantial transactions:

Direct credit refers to the credit transactions between enterprises that do not go through financial institutions, while indirect credit refers to the financing between enterprises through financial institutions.

Introductions are an indirect credit, and referrals are also an indirect credit. It saves the introductory and referred people from long waits and talents being buried. Just like the host's introduction to the guests in a TV show, it is often more respected and convincing than what the guests themselves say.

Because direct credit is absolutely made by oneself, while indirect credit is often spoken, and it is also from the mouth of others.

The credit generated in daily life can be used to entrust, just like the White Emperor City trusts orphans. The credit generated in the financial world can be directly converted into wealth and measured in money. However, whether in life or in society, credit may be confirmed through a form of media, or an intermediary.

Moreover, human society, through evolution and division of labor, has often made indirect credit more than direct credit.

In recent years, there have been more than a dozen or even dozens of projects every year, resulting in billions or even tens of billions of funds not being paid as scheduled.

People either lack a sense of security, or lack confidence, or information asymmetry, so they need an impartial, non-selfish intermediary to recommend and endorse. This is the reason why there is more indirect credit than direct credit. In this sense, even if Zhuge Liang is talented, no one will recommend him and he will not be able to see Liu Bei, and he may end up in a grass house, and he will not be able to do anything for a lifetime, and there will be no good story in history.

In the financial sector, a guarantee is a form of indirect credit. For example, the parent company provides a letter of guarantee for the subsidiary's borrowing behavior, although it does not actually contribute money or freeze assets equal to the loan, in fact, such a guarantee does not happen except for an official document. But loans occur as a result, and funds flow from one unit to another as a result.

Since I lost a lot of money, I can't believe in trust investment.

There is no unit of credit.

Trust is a special property management system and legal act, and at the same time it is a financial system, trust and banking, insurance, together constitute a modern financial system.

The role of a trust is the result of the functions of the trust, including:

The role of wealth management on behalf of others has broadened the investment channels for investors. Its characteristics: first, economies of scale, the trust will be scattered funds cleverly gathered, by professional investment institutions to use in a variety of financial instruments or industrial investment, to seek asset appreciation; The second is expert management, the use of trust property management is managed by experts in related industries, who have rich industry investment experience, master advanced financial management technology, and are good at capturing market opportunities, which provides an important guarantee for the appreciation of trust property.

Gather funds and serve the economy: because the trust system can effectively maintain and manage the owner's funds and property, it has a strong ability to raise funds, creating a good financing environment for enterprises to raise funds, and more importantly, it can convert savings funds into production funds, which can strongly support the development of the economy.

The role of risk avoidance and diversification: due to the independence of the trust property, the trust property has no legal defects when establishing the trust, and can resist the litigation of a third party during the trust period to ensure that the trust property is not violated, so that the trust system has a risk aversion effect that other economic systems do not have.

Promote the development and improvement of the financial system: China's financial market has always been dominated by bank credit, and there are institutional and structural defects in this situation, which cannot meet the needs of the society for property management and flexible and diverse financial services, and the trust system can meet these needs to the greatest extent with its unique advantages.

The role of developing social welfare undertakings and improving the social security system: Through the establishment of various charitable trusts, it can support the development of China's science and technology, education, culture, sports, health, charity and other undertakings.

The trust system is conducive to the construction of the social credit system: the establishment of the credit system is the basis of market rules, and credit is the cornerstone of the trust, trust as an economic system, if there is no good faith principle support, there can be no trust, and the return of the trust system not only promotes the development of the financial industry, but also has a positive role in promoting the construction of the entire social credit system.

It can be said that it adapts to the development of the market and is an opportunity in today's economic development.

Trust is "trust entrustment", it is a kind of investment and financial management method, the investment threshold is high, the general threshold is 1 million, and the investment quota below 3 million has no more than 50 restrictions. His annual income is relatively high, which can reach about 8% to 14%, which is a good choice for mid-to-high-end investment and financial management personnel and enterprises and institutions.

To put it simply, the settlor entrusts its own legal property to the trust company for use and management based on its trust in the trust company, and the trust company separates the trust property from its own property and uses and manages it independently, and returns the income from the management of trust funds to the settlor. Trust companies are subject to strict qualification approval procedures, and only after obtaining qualifications can they conduct trust business, and they are non-bank financial institutions.

Trust is trust, a non-bank financial institution, which is a very high investment and wealth management channel.

A trust is entrusted by others to manage money on behalf of others. It refers to the act of entrusting the legally owned property of the settlor to the trustee based on its trust in the trustee, and the trustee will manage or dispose of it in its own name for the benefit of the beneficiary or other specific purposes according to the wishes of the settlor.

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.

Trust is a kind of financial management, a special property management system and legal act, and a financial system. Trust, together with banking, insurance, and **, constitute the modern financial system. Trust business is a kind of legal act based on credit, which generally involves three parties, namely, the settlor who invests in credit, the trustee who is trusted by others, and the beneficiary of the beneficiary.

It is a collective investment method of "benefit sharing and risk sharing". It refers to a collective investment trust system in which the unequal amount of funds of the majority of investors in the society are gathered in the form of contracts or companies and the issuance of ** bonds to form trust assets of a certain scale, which are handed over to specialized investment institutions to diversify their investments according to the principle of asset portfolio, and the income obtained is shared by investors according to the proportion of capital contributions, and the corresponding risks are assumed.

Trust products are divided into two categories: one is capital trust, which is that investors entrust money to trust companies, and trust companies come forward to use the money to invest in pre-selected projects to obtain benefits for investors; The second type is property trust, that is, the property holder (mainly the company) entrusts the right to land income, real estate management right and equity income right to the trust company, and then divides and transfers the trust beneficiary rights to the public through the platform of the trust company.

Take real estate trust products as an example: trust companies sign trust contracts with many investors, and set up trust products after raising enough funds, also known as trusts**, or trust plans. When the trust company gets the funds, it will invest in a real estate project.

After the trust company obtains income (usually interest higher than the bank's fixed loan interest rate), the trust income will be distributed to the investors in accordance with the original contract after deducting the necessary operating expenses.

Trust products are less risky. According to the data publicly released by the regulatory authorities, more than 90% of trust products with a clear rate of return can achieve the expected rate of return.

For many prudent investors, buying trust products is first concerned about safety, and then how high the return is. After 2004, trust wealth management products continued to emerge, not only trust companies, but also banks, ** companies, ** companies. From the perspective of yield ranking, the lowest is RMB wealth management products, then risk management asset plans and trust products, and the highest is **investment**.

Judging from the statistics, the safest is the trust project guaranteed by the bank, if it is more than one year, the annual rate of return is generally between; If it is a property guarantee, the yield should be above. The longer the term of the trust product, the higher the rate of return. From the perspective of two years, some real estate trust products can basically reach the level of 8-10%, and there is land as collateral, which is safer.

The income of trust wealth management products is related to the investment direction. Real estate, ** market, the risk is higher, the return is relatively high; Energy and power projects are relatively stable, with clear cash flow and good safety but relatively low returns.

Trust**, also called investment**, is a kind of"Benefit sharing, risk sharing"The collective investment method. It refers to a collective investment trust system in which the unequal amount of funds of most investors in the society are gathered in the form of contracts or companies with the help of the issuance of ** bonds (such as income certificates, ** units and ** shares, etc.) to form trust assets of a certain scale, which are handed over to specialized investment institutions to carry out diversified investment according to the principle of asset portfolio, and the income obtained is shared by investors according to the proportion of capital contribution, and the corresponding risks are borne by the investors.

There are broad and narrow senses, in a broad sense, ** is a general term for institutional investors, including trust investment**, unit trust**, provident fund, insurance**, retirement**, all kinds of **will**. In the existing market, both closed and open-ended, with profitable features and value-added potential. From an accounting perspective, ** is a narrow concept that refers to funds with a specific purpose and use.

Because the investors of ** and public institutions do not require investment returns and investment returns, but require the funds to be used for specified purposes in accordance with the law or the wishes of the investors, and ** is formed.

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Loan trust refers to the trust method that absorbs funds through trust and uses it to issue loans. This type of trust product is currently the largest in number.

As a traditional business, the business process is relatively simple, and the risk control method is relatively mature, so it is logical for trust companies to choose this way to enter the market and establish the company's brand in the early stage of their business.

The use of loans for investment makes this type of trust product have the following characteristics in terms of income risk:

First of all, the benefits of the project are capped. The income** is the interest rate of the loan, and the relevant interest rate standards of the People's Bank of China are implemented. This means that the upper limit of the settlor's income is the loan interest rate, and it is faced with the potential deduction of this income by the trust company's withdrawal of management fees.

Different management expense accrual methods mean that the degree of income deduction is different, which directly affects the interests of investors.

Second, although the trust company selects relevant projects for loans based on its own professional skills, it can only rely on trust in the trust company due to information asymmetry. However, the trust company has just completed its rectification, and its own credit mechanism has not been established, and the credit risk of loans must be controlled through external mechanisms.