Question 1: What is an umbrella trust? Umbrella trust is the product of drawing lessons from umbrella funds. Umbrella trust means that the same trust product contains two or more different types of sub-trusts, and investors can freely choose one or more of them for portfolio investment according to their investment preferences to meet different investment needs.

In January 215, local securities regulatory bureaus stopped the umbrella trust, and it is also possible to stop it nationwide. Regulators may be worried that high leverage will lead to systemic risks.

Question 2: What is the meaning of umbrella trust? The difference between umbrella trust and capital allocation is the watchdog wealth.

Umbrella trust refers to a structured securities investment product, which is provided by securities companies, trust companies, banks and other financial institutions to provide investment and financing services for investors in the secondary securities market. Specifically, it is to use bank wealth management funds to borrow trust products, increase leverage and invest in the stock market through capital allocation and financing.

at present, there are three main modes for funds to enter the stock market through trust: one is sunshine private placement mode, the other is single account structured trust mode, and the third is umbrella trust.

the difference between umbrella trust and fund allocation

umbrella trust and stock fund allocation are two mainstream financing channels in the stock futures industry, but they are quite different and suitable for different investors.

1. Umbrella trust is generally suitable for institutions or large long-term investors, with relatively low cost and relatively low requirements for risk control ability. Fund allocation is mainly suitable for small and medium-sized or short-term investors, and the cost is relatively high compared with umbrella fees.

2. The leverage ratio of umbrella trust is generally less than three times, and the scale has certain requirements. The initial capital is basically more than 1 million. The initial amount of funds in the fund-raising channel is flexible, and the leveraged customers can choose freely, which can generally be one to ten times.

3. Umbrella trust has strict requirements on the investment period, generally more than half a year, and the fund allocation is relatively flexible, ranging from one month to one year, which can be decided by customers themselves.

4. The transaction cost of umbrella trust is fixed, which is about 1,1 yuan, which is about twice that of the fund-raising stock account.

5. The approval process of umbrella trust is troublesome, slow in efficiency and fast in fund allocation. Generally, accounts can be arranged on the same day.

question 3: who can explain what is the umbrella trust Taian Zhongying business real-name account, and the three-party depository can be bound to the personal card; Free deposit and withdrawal; Security of insurance underwriting funds: the maximum proportion of 24-hour automatic financing is 1 times, which can be daily and monthly; Interest as low as 2 points, commission five thousand; Support mobile phone transactions; Stock futures, Hong Kong stocks and US stocks are settled by one household; Support new shares and financing. Directly go to the bank to handle

Question 4: What is the leverage of umbrella trust? "Banks began to tighten umbrella trusts, and the leverage of Everbright Bank to allocate funds for customers through umbrella trusts will be reduced from 1:3 to 1:2.5." Excuse me, who is the ratio of 1:3 in this sentence? The capital of the person who invests in the umbrella trust is 1? Or is the inferior fund 1? What does 3 mean?

here, 1 refers to the secondary funds of institutional investors, and 3 or 2.5 refers to the priority funds of structured securities investment trust buyers. The leverage comes from the ratio of funds of 1 to 3. In other words, you can rely on one dollar you have to raise three dollars, and then you have four dollars. Of course, it is much larger than this. At this time, your investment in the stock market is three times more. This is the leverage, and you use less. Refers to the funds invested in the stock market by the umbrella trust plan.

Question 6: What is the meaning of over-the-counter stock allocation and umbrella trust? Stock allocation means that the allocation company can provide you with 4-5 times the allocation on the basis of your own funds. For example, if you have 1, yuan, the allocation company can provide you with 1, to 4, or 5, yuan. The trading account is provided by the fund-raising company in a unified way, and the account is completely operated by you independently, and you are responsible for your own profits and losses. The fund-raising company receives fixed interest.

The main mode of umbrella trust is: under a main trust account, several independent sub-trusts are set up, and each sub-trust consists of inferior customers and priority customers. Large stock speculators or private investors in Sunshine can become inferior customers by subscribing to the sub-trusts, and the priority customers mainly come from bank financing funds.

Question 7: What is the difference between a single structured securities investment trust and an umbrella? This is a good question.

In fact, its content structure is the same, and both of them are structured through the ratio of priority to inferiority.

nothing more than that most umbrella trust products are * * * fund trusts, and single structured securities investment trusts are single fund trusts.

the main difference between a single fund trust and a * * * fund trust is that the number of clients is different, and only one client's trust is a single trust. The difference between the two is also reflected in the fact that the clients of the single fund trust plan are mostly institutions such as banks, while the clients of the * * * fund trust plan are mostly natural persons.

question 8: how to explain what an umbrella trust is easily understood? What advantages and disadvantages umbrella trusts are issued by trust companies, and through the institutionalized operation of giving priority to the disadvantages, the capital leverage can be called about 3 times, so the current market funds are abundant.

The advantages are obvious: increasing the amount of funds in the market will push up the index.

The disadvantages are also obvious: it will cause false prosperity in the market, and the index rise cannot be controlled.

Question 9: What is the difference between umbrella trust and tot? They are completely two concepts.

TOT is an investment method: the subject matter of the issued trust products is other trust products, and the trust product contains two or more different types of sub-trusts < The total term is the longest duration of this trust. However, the umbrella trust has been suspended at present. I can't get it.