It can be calculated that the capital cost of the trust is below 6%, and the loan interest rate is at least about 3% higher than the cost.
What is the general interest rate for trust loans?
If the cost of the loan pays the trust company about 20% interest, the income of the trust company to the customer is generally 8- 13% a year. If the project party wants to obtain funds through trust, it needs to pay a higher cost, generally around 15-20%. After all, when investors buy a trust, the income they get is 10- 12%, so the cost of a company that obtains financing through the trust will be higher.
At present, the re-registered trust company has been disqualified from engaging in debt business. Trust loan is a business to manage and use trust property according to the Trust Law of People's Republic of China (PRC) and the Administrative Measures for Trust and Investment Companies (the latest revision is the Administrative Measures for Trust Companies implemented on March 1 2007), which is similar to the "trust loan" referred to in the Regulations on the Administration of RMB Interest Rate. What is the loan interest rate of the trust company? After the promulgation and implementation of "People's Republic of China (PRC) Trust Law" and "Measures for the Administration of Trust and Investment Companies", there are no laws and administrative regulations that directly and clearly stipulate the interest rate of trust loans.
What is the loan interest rate of the trust company? It can be considered that the trust loan interest rate is lower than the lower limit of the benchmark interest rate and does not violate the mandatory provisions of existing effective laws and administrative regulations. However, it should be noted that the People's Bank of China, as the national interest rate management institution, has the right to stipulate the interest rate level applicable to trust loans. If the applicable rules of trust loan interest rate are stipulated in the future, trust companies must abide by them.
The experience and trend of financial supervision sometimes conflict. Marketization of interest rate should be the general trend of financial reform. However, under the economic austerity policy, if the proportion of entrusted and trust loans rises sharply, it will have a greater impact on the accuracy of macroeconomic policies. It is not excluded that the financial supervision department will bring entrusted and trust loans into the boundary of interest rate control again from the perspective of prudential supervision.
Trust loans are non-deposit loans and should not be restricted by the interest rate regulations of the People's Bank of China. The parties may agree on their own interest rates. In practice, the interest rate of entrusted loans issued by banks has always been determined by the client and the borrower through consultation, and in fact, many of them have exceeded the lower limit of interest rate.
What is the loan interest rate of the trust company? In fact, the interest rate of trust loans can be roughly inferred from the yield of trust products. Even though the yield of trust products has declined, it is still much higher than other wealth management products such as banks. For more regulations on the interest rate of trust loans, please pay attention to the trust column and peace of mind question and answer.
What is the general rate of return of trust funds?
Trust fund is an investment method with * * * income and * * risk. The income is shared by investors according to the proportion of capital contribution, which is an investment trust system that bears corresponding risks. The average annual rate of return of trust funds is around 7.5%.
trust fund
Trust fund, also known as investment fund, is an investment mode of "sharing interests and risks". It refers to an investment trust system in which the unequal funds of most investors who are uncertain in society are pooled through contracts or companies, and fund bonds are issued to form trust assets of a certain scale, which are handed over to professional investment institutions for diversified investment according to the principle of asset portfolio, and the profits obtained are shared by investors in proportion to their capital contribution and bear corresponding risks.
Since 1990s, the development of trust funds has a history of more than 20 years. With the development of trust funds, there are more and more types of trust funds, especially family trust funds and children trust funds. Up to now, the trust fund has registered hundreds of thousands of members, and some members have obtained their own income from the trust fund and achieved stable development, which is actually inseparable from the policies and related conditions of the trust fund.
The trust period is short, basically 1-2 years. In fact, China residents are not short of long-term funds, and they have considerable savings for pension, children's education and marriage. However, the main reasons for the short trust period are: investors expect short-term gains and have doubts about long-term financial management; The financial management ability and brand of trust companies are still unconvincing to investors. Due to the limitation of the number of trust contracts, trust companies have to find corporate institutional clients in order to raise sufficient funds, and the funds of corporate institutional clients are often short-term. Although China's social security fund Council and other large institutions have long-term funds, they can't buy trust funds at present. In addition, loan trusts cannot be developed into long-term financial management varieties.
This concludes the introduction of fund loans, trust loan interest rates and trust guarantee fund interest rates. I wonder if you found the information you need from it?