It can be analyzed and compared from the following aspects:

1. Law

1. Article 16 of the Trust Law stipulates that trust assets are independent, unable to pay debts and cannot be liquidated, and have the function of debt isolation;

2. Once there is a debt dispute with the money in the bank, the money is not your own! (Other assets, such as stocks, funds, gold, housing, etc., all have to be paid off)

II. Earnings

1. Since the establishment of the Trust Law in 21, the trust industry has paid 1% of the profits to investors. Even in 211 and 212, the media kept speculating that real estate trusts were under great pressure and high risk, but in fact, Go to Baidu to search, and see which trust buyer said that he lost money in buying a trust? Can't find it! As for other financial products, many investors can be found to have lost money.

2. According to statistics, in 21, one ***38 wealth management products of the Bank failed to realize the expected income!

3. Losses in bank wealth management products have been reported from time to time this year, such as the wealth management storm of Huaxia Bank Shanghai Jiading Sub-branch, such as the wealth management storm of CITIC Bank Zhengzhou huanghe road Sub-branch, and another example is that Ms. Wang, a customer, is managing wealth in Shenzhen Development Bank, and 1.8 million yuan has been converted into 1, yuan (5, yuan into 1, yuan); Although it was finally found out that the wealth management products bought by customers were not launched by banks themselves, but gold trading products privately represented by bank salesmen, with high risks, and the counterparty was an ordinary investment company, so Weida wealth management financier reminded you to be careful even if you buy wealth management in banks.

4. Needless to say, the stock market is full of sorrow.

Third, risk control

1. There are several conditions for trust financing: a, the qualification of the financier and the credit evaluation; B, is the repayment source sufficient? Can I cover the principal and interest? C, what is the past business performance? Does the project have a high compound growth rate? D, what is the net value of collateral? What is the liquidity? Once the financier can't pay back the money, can he realize the collateral in time?

2. What about the bank's risk control indicators? Much the same When the financier (borrower) can't pay back the money, the bank's practice is to deal with the collateral. The mortgage rate of the bank is 7%, and the trust is basically below 5%. The big deal is that banks pay for themselves as non-performing assets, and so do trusts.

Fourth, income distribution

1. The bank gave everyone a low interest rate and made a lot of money by themselves. The profit was so high that I was embarrassed to say that I could open one in 2 meters; In the annual report of listed companies in 212, 7 of the 1 most profitable listed companies were banks, and the profits of 16 listed banks exceeded those of more than 2,2 other listed companies.

2. A report reveals that the income of bank wealth management products mainly comes from trust and city investment bonds. Banks issue wealth management products and then buy trust, without product research and development and design, making money easily with poor income.

3. During the attendance, Wu Xiaoling, vice chairman of NPC Financial and Economic Committee, said that at present, commercial banks generally match short-term funds with long-term assets through fund pools, so that banks can provide investors with relatively high-yield products. According to the trust principle, banks should give all the earnings to investors, but due to the complexity of the fund pool, banks actually did not give all the earnings to investors, but left most of the earnings themselves.

V. Implication of the Measures for the Administration of Net Capital of Trust Companies to Collective Trust

In September p>21, the Measures for the Administration of Net Capital of Trust Companies was officially published, which has six chapters and thirty articles, and its key words are net capital and venture capital. Regulation: Every collective trust project is issued, and the trust company must submit a certain proportion of venture capital. Purpose: to ensure that the inherent assets of trust companies are sufficient and maintain the necessary liquidity to meet the needs of resisting unexpected losses in various businesses. This can be seen as a hint from the CBRC on the supervision of collective trust.

the accrual ratio of collective trust financing business is 2-3%.

The core requirements of the Measures for the Administration of Net Capital are: 1) The net capital of a trust company shall not be less than RMB 2 million; 2) The net capital shall not be less than 1% of the sum of various venture capitals; 3) The net capital shall not be less than 4% of the net assets.