1. Creditor's rights trust: products that lend money to the other party and agree on the term and income, that is, financing trusts, account for about 70%. This kind of trust is similar to bank loans, mainly credit risk.
2. Equity trust: refers to the equity products invested in various unlisted corporate and economic entities. Equity trust is different from equity transaction in the secondary market, and investment equity also enjoys corresponding rights, which can be strategic investors, financial investors or holding investors. The risk of this trust mainly lies in the growth risk of the company and should be done from the perspective of investment banks.
3. Standard Trust: Standard products are standardized products, generally securities that can be separated and circulated in the open market, including treasury bonds, futures, stocks and financial derivatives. The risk of this kind of business is market risk, and the income comes from the price difference of standard products.
4. Inter-bank trust: that is, the source and application of funds are in the same industry, and the channel business is placed inside, and the channel business faces the problem of penetrating supervision. This kind of business mainly faces liquidity risk, and the focus of control is the liquidity and capital of the counterparty.
5. Property Trust: For trusts with property or property rights, the non-capital trust property is entrusted to a trust company, and the trust company helps the client to manage, use and dispose of it, so as to maintain and increase the value. This kind of business is the origin of the trust company's "entrusted financial management". At present, the main risk faced by this kind of trust is the legal risk when signing the trust agreement.
6. Asset securitization trust: At present, credit asset securitization is the main market.
7. Charitable trust: Charitable trust is characterized by the directional use of trust funds, and the return obtained by the client is the evaluation of the support object. The main risk faced by this kind of business is misappropriation.
8. Transaction trust: Similar to acting on behalf of others, this trust requires a professional team to prevent fraud.