1. The hot-selling trust product is nearing the end of its fundraising, and if the quota exceeds the limit, the trust company will refund according to the "time priority" principle. 1. In order to improve the efficiency of the use of funds, some investors hope to wait until the trust product is about to be established and before the interest is accrued to make the payment.

This has led to a situation where the trust product is nearing the end of the project and there is not much remaining quota, but investors’ funding is very concentrated.

There may be an over-raising situation where the amount of disbursement exceeds the scheduled fundraising amount of the project. In this case, the trust company can only follow the principle of time priority and return the funds of investors whose disbursement time is later in excess of the raised amount to

investor.

2. When trust products are issued in installments, a specific closing time will generally be specified at the time of each installment.

If investors make a payment after the closing time, they will face the choice of counting the funds into the next period or returning the funds.

2. When the amount is not determined, trust products have a 50 quota limit for natural person investors with a subscription amount of less than 3 million. Therefore, trust products with larger fundraising amounts generally have a limit of 50 places for natural person investors with a subscription amount of less than 3 million.

Certain restrictions are set on the deposit (such as the proportion of large and small amounts), but institutional investors are not subject to this quota restriction.

If investors make a payment without determining the amount, they will face the possibility of the trust company requesting a refund.

3. The investor did not correctly fill in the account name or account number when making the payment. The investor did not fill in the account name correctly due to a moment of negligence when making the remittance or transfer.

There will be two possibilities. There is no account number filled in by the investor. The bank system will automatically return the funds to the investor's payment account. In this case, the funds will usually be returned immediately.

2. The account filled in by the investor is another account of the trust company. In this case, the investor needs to communicate with the trust company and apply to the company for the return of the funds.

4. Failure to disburse funds in accordance with the contract requirements 1. When trust products are raised, the contract will stipulate that the disbursement funds exceeding 1 million will be increased in integer multiples of 100,000 (there are also a few increments of 10,000). If investors disburse funds

1.05 million, the trust company will ask for a full refund or a return of 50,000 yuan or an increase of 50,000 yuan.

2. Some investors need to make multiple transfers due to bank transfer restrictions on the maximum amount of a single transaction.

In this case, the trust company requires that all transfers be made from the same account. If the investor uses different bank accounts to transfer funds, the trust company will require the investor's funds to be returned.

5. Failure to submit information in time. After the fund-raising is completed, trust companies need to report to the regulatory authorities and go through the establishment process. At this time, they need to provide the ID cards, bank cards, and payment voucher information of all investors; if there are individual investments

If the investor's information is not provided in time, which affects the establishment process of the project, the trust company will require that the investor's funds be included in the next phase or the investor's funds be returned.

6. Project fundraising failure 1. Trust projects generally set establishment conditions. On the expiration date of the promotion period, if the project fails to meet the establishment conditions, resulting in the failure of the trust plan to be established, the trust company will return the subscription funds to the investors.

2. There is also a situation with a very low probability that during the project issuance period, due to a sudden deterioration in the financial status or operating conditions of the financier, the trust company believes that there may be risks in continuing to issue the project. In order to protect the interests of investors, the trust company will issue the project in advance.

Terminate the issuance of the project and return the investors’ funds that have been paid.

No matter which of the above situations leads to a refund, investors' funds are definitely safe, but they often need to go through some necessary procedures and provide corresponding materials, which may affect the efficiency of the use of funds.

In view of the above possible refund situations, someone has summarized the following preventive measures: 1. Reasonably arrange the payment time, and do not deliberately rush to make payment before the project is about to be established.

2. Make a reservation through a formal financial institution.

3. Carefully check the payment account number and fill it in correctly.

4. After making the payment, cooperate with your financial manager and submit the corresponding information in a timely manner.

Payment is a very important step in subscribing to trust products, so investors must handle it carefully and correctly to ensure the smooth progress of investment and prevent refunds.