In China, trust wealth management products refer to a special trust plan in which all the funds raised by RMB wealth management products issued by banks are invested in designated trust companies as trustees. At present, the trust financing products launched by banks in the market are mainly the cooperation between banks and trust companies, and the funds raised are invested in trust financing plans launched by trust companies. High income and good stability are the main selling points of trust wealth management products. Trust financial products are generally trust plans such as infrastructure with excellent qualifications and stable income, high-quality real estate, and equity pledge of listed companies. Most of them are guaranteed by large third-party enterprises (real estate and real estate will be added as collateral for real estate), and their security is one head higher than that of general floating income wealth management products. Since the beginning of this year, the annualized rate of return of trust products sold in the market is generally around 6%-7% and 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, so as to avoid the investment risks of trust projects to the greatest extent.
However, trust financial products are not familiar to many wealth managers because of their high 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, trust products have weak liquidity and relatively poor ability to realize cash at any time.