The average rate of return of trust funds is 9% to 13%, which varies according to different funds, but it is generally within this range. If it is beyond the scope, the fund is considered abnormal. According to the risk degree of the product, high risk generally leads to high income, and low risk leads to low income.

1. Operation mode of trust fund. The main operation mode of trust funds is loans, with less equity investment and a shrinking trend. Even in the only equity investment projects, trust companies basically do not participate in the specific operation and management of the target company, and take various control measures, such as sending directors, appointing financial directors, and amending the company's articles of association. , in order to prevent financial risks.

The end of the equity investment project mainly depends on the third party to buy back the equity, and the dividend and liquidation of the target company have basically never happened, and it is impossible to wait until the IPO. This kind of equity repurchase investment belongs to debt financing in disguised form. Equity investment is rare because it has fatal defects, that is, in the short term (1-2 years), there is great uncertainty in the future third-party repurchase, and the exit channel is not smooth and the risk is high, so trust companies are no longer willing to adopt it.

2. Trust period: the trust period is relatively 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 large institutions such as China's Social Security Fund Council have long-term funds, they could not buy trust funds before. In addition, loan trusts cannot be developed into long-term financial management varieties.

3. Trust fund, also known as investment fund, is a collective investment model of "benefit sharing and risk sharing". Group trust fund is a trust fund established by many clients who transfer their related property as trust property to the trustee individually or collectively.