Nowadays, asset securitization can be an operation mode in which assets or portfolios appear in the form of securities assets. For example, the conversion of physical assets to securities assets; For example, the income right of future cash flow generated by credit assets (bank loans, enterprise accounts receivable) will be converted into bond securities (such as bond funds) that can flow in the financial market and have high credit rating for issuance; For example, the process of re-securitization of securities assets; Cash holders convert cash into securities through investment.
The transfer of income right is to transfer the future income of the basic assets by publishing it on the legal intermediary trading platform. The asset owner can achieve the purpose of rapid financing and development by transferring this part of future income, and the transferee can obtain the income of the basic assets through investment. The transferee here is an investor in the process of asset securitization
At present, there are many wealth management products in the financial industry. I feel that the lucky cat is still a better one, which is stable, transparent and has good interest.
Question 2: What does the transfer of income right mean? The transfer of income right means that the original creditor transfers part of the income right on the formal trading platform in order to realize asset securitization, and the transferee, that is, the investor, obtains higher income through investment. In layman's terms, it is to transfer the product income that you have the right to benefit. For example, investors' wealth management products will generate income, and the actual income is interest, but you want to get the income immediately, then you can consider transferring this part of the income right. After the transfer, you can get money from other investors to buy your income right. The nature of this principal has not changed, but the interest income in this process belongs to the person who buys your income right. Anything can be classified as long as it can bring benefits.
Question 3: What does the expiration date of the usufruct mean? Maturity date: refers to the deadline for the operation of wealth management products to expire. For example, the maturity date of a wealth management product is March 3 1, which means that the investment operation period is 3 1. However, the investor's principal and income may not return to his account on 3 1 day, because after the product expires, the bank still needs a fund settlement time, which is generally 1-2 working days.
Question 4: What is the right to income? The right to use refers to the owner's use of property to meet his own needs according to its performance and use. But some are for their own use, and some are to transfer the right to use to others to obtain benefits.
Income right is the right of property owners to obtain economic benefits from the property they operate and use.
Eight thoughts record P70 related links.
Question 5: What are the ownership, possession, use right, income right and disposal right of the house? What do you mean? Housing ownership refers to having complete control over the house within the scope prescribed by law. According to "General Principles of Civil Law of People's Republic of China (PRC)" and "General Principles of Civil Law", house ownership can be divided into four powers: possession, use, income and disposal, which are also the four basic contents of house ownership. The right of possession of a house is usually exercised by the owner of the house, and it is also called the owner, the owner and the landlord in real estate sales, but sometimes it is also exercised by others. This is the separation of the right of use and ownership. For example, housing lease, the housing lease contract will transfer the possession and use right of the house to the non-owned lessee for exercise. At this time, the owner of the house does not lose the ownership of the house. The right to use a house means that the owner uses the house according to its performance. Similarly, through certain legal contracts, non-owners of houses can also obtain the right to use houses. The owner rents the house to others for use without losing the ownership of the house. The income right of a house refers to some income generated by the owner's expropriation of the property of the house. For example, renting a house, the owner collects rent from the tenant. Sometimes the owners also transfer part of the income right to the non-owners of the house through legal forms. For example, tenants can use the rented house to engage in some profitable business activities, and part of the proceeds will be given to the owner and part will be reserved for themselves according to a certain proportion. The right to dispose of houses shows the ownership of houses and is one of the most basic rights in ownership. The right to dispose of a house is generally exercised by the owner, who can determine the right to use, inherit and donate the house. Sometimes the right to dispose of houses is also separated from ownership. If the owner borrows money from the creditor with the house as collateral and fails to pay off the debt at maturity, the ownership of the house will be transferred to the creditor, and the creditor can exercise the right to dispose of the house at this time. Yanzi
Question 6: What is the right to income? It refers to the possibility of obtaining economic benefits based on the owner's property, and it is the relationship of rights and obligations arising from people obtaining additional property. Income right is the economic realization form of ownership. The existence of ownership aims at realizing economic benefits and value appreciation, and finally embodies the right to income. Income right refers to the power of power. As a basic means to realize the value of property, it has risen to the core strength of ownership in modern society with highly developed market economy.
Chinese name: usufructuary right
Mbth: income right
Status: Power that rises to the core of ownership.
Form of realization: ownership is economically
Question 7: What do you mean by revenue right crowdfunding? Income right crowdfunding is a form of equity crowdfunding, which refers to the income behavior of an enterprise based on investment activities, which does not hold the equity of the enterprise, but enjoys the share income and obtains the possibility of economic benefits through enterprise operation.
Question 8: What is the right to return on assets? The right of investors to benefit from the invested capital.
Question 9: What are beneficial right and trust beneficial right? What is the difference? For example, a: ordinary investors are legal persons or natural persons (principals) who buy trust products; B: trust company (trustee); C: enterprises invested by trust funds; D: The beneficiary designated by Party A (of course, Party A may also be the beneficiary himself).
Now, B has issued a trust product, raised funds from A, and then invested in C. The beneficiary of the trust is D.
At this time, C has to repay the trust principal and income when it expires. This income right is generated because trust property (that is, investment of A) is generated in the operation of C, which is the income right of trust products. The income belongs to Ding according to the contract, and Ding enjoys the beneficial right of the trust.
Finally, during the existence of the trust product, the beneficial right of the trust product is transferred.
Question 10: What do you mean by positive usufruct? You should mean positive usufruct.
The so-called positive beneficial right refers to the right to survival, residence, education, labor protection, social insurance and social relief.
I hope you are satisfied with my answer.