Nowadays products of all sorts of financial conduct financial transactions blot out the sky and cover up the earth, call a person dazzling. From security angle character, fixed income kind bank conduct financial transactions and fiducial product are most reliable undoubtedly, analyse both actor defect for everybody here, in order to offer reference.
Bank kind product of conduct financial transactions
In common people eye, want to put money to be able to go to a bank only, often be together bank and national credit connection accordingly, and fiducial business is further from common people. The bank depends on this advantage, in becoming fokelore naturally " intermediary " . Actually, firm closes the capital whereaboutldirection of product of kind of bank conduct financial transactions, many was to flow to fiducial or endowment provide kind of product.
In principle of this kind of product cannot be protected in the acceptance in the contract this, maintain income, but security is very actually high, delicacy has cannot the circumstance of cash happens. Product yield is controlled in 4.0%~4.5% , and the interest rate of the product of fiducial, endowment canal of backside is in 8% the left and right sides, the bank earned partial profit difference.
Bank kind product of conduct financial transactions
It is to deliver the structural sex product that waits to capital fund of fund of link up with, stock, equity, heavy goods, credit, interest rate float is not protected this, of likelihood occurrence deficit is this kind.
Fiducial firm accepts kind of product
Fiducial project should fulfil his duty to investigate, information announces objective justice, risk management pattern makes clear clarity, joint hearing of even silver-colored inspect approves ability to be able to be issued, of fiducial project run need to suffer " fiducial law " tie, because still be dovisher in light of this whole. Fiducial product is similar cannot acceptance is protected this, maintain income.
Bit more similar: Get superintendency security together tall
Fiducial like the bank, belong to the financial orgnaization that Chinese silver-colored inspect can superintend, have higher public letter power. Up to by 2015, remaining sum of face of Zhang of capital of product of bank conduct financial transactions 23.5 trillion yuan, and fiducial asset dimensions of management is 16.3 trillion yuan.
Graph: The whole nation shares 68 trust company, partner setting actual strength abundant, capital is adequate.
Watch: Up to by 2015, product of conduct financial transactions invests asset distributinging circumstance
Register settle accounts company according to central national debt newest those who release " year of market of economy of trade of Bank of China reports (2015) " show, up to 2015 end, in the capital configuration of product of bank conduct financial transactions, bond and monetary market, cash and bank deposit and nonstandard change creditor's rights kind 3 kinds of asset hold asset 89.10% what capital of bank conduct financial transactions invests total assets. Among them fiducial kind of product (nonstandard change creditor's rights kind asset) occupy than 15.73% , it is the investment way with main product of bank conduct financial transactions.
From security for, the cash rate that because its are extremely tall,bank reason property tastes got of investor approbate basically, and because fiducial product is tall the reason of the doorsill, be familiar with for average investor.
In fact, the fundamental asset of fiducial product accuses to choose through strict wind, have mostly touch, of business of strength of tripartite of impawn content pass an imperial examination assure. The data that according to China fiducial trade association publishs shows, four quarters risk is fiducial 2015 project scope and occupy doubler than appearing fall. Fiducial project scope was end risk 2015 97.3 billion yuan, occupy than for 0.60% , relatively at banking of the corresponding period 1.50% right-and-left fraction defective, state of fiducial industry risk is in better level.
Differentia: Doorsill income liability is kept apart
So-called threshold, show fiducial product and product of bank conduct financial transactions are opposite severally namely the requirement of eligible investor, the demand of investor of short of qualification cannot have investment to its.
Want to buy product of bank conduct financial transactions, should have in pocket bag only 50 thousand money, can begin to begin to invest! Under photograph comparing, basis " fiducial law " regulation, amount is thrown since fiducial product 1 million ~300 10 thousand (do not contain) quota of people is most 50, of 3 million yuan of above do not restrict, be in high grade capital is at present scarce below the background that lack, individual investor often should have 3 million yuan of ability to grab fiducial product share.
2015, firm accepts product of kind of bank conduct financial transactions year change yield for 4.68% , and gather is fiducial the product is average year change yield for 8.63% . Why can be both yield differred so much? Among them main reason is the bank wants collection brushstroke " intermediary is expended " .
Although the fundamental flow direction of backside of bank conduct financial transactions is fiducial kind of asset, but because the bank passed the means of capital pool to solve doorsill problem, also can produce channel cost necessarily. In addition, kind of asset is held in the palm besides configuration letter in bank financing pool outside, also can deploy the capital with a few stronger liquidity, so that design more flexible product time, also can draw the yield of low product so.
Fiducial cannot shift to an earlier date commonly with product of bank conduct financial transactions redemptive, fluidity cardinal principle comparatives. Nevertheless, the majority before bank conduct financial transactions produces items is the short-term product under half an year, product of the scroll that buys 3 months for instance conduct financial transactions has redemptive opportunity one year 4 times, fluidity takes definite advantage. Fiducial product puts add period to be 1~3 commonly year, if want urgent need irredeemable. Each regulations that at present domestic fiducial product makes over is diseased still, the operation is trival, change now ability is weaker.
In addition, fiducial have debt isolating function, and product of bank conduct financial transactions is done not have. Fiducial belongings gets legal protection, fiducial once hold water, fiducial belongings departs from inside the belongings of person of client, depositary, accrual namely come out, have independent character to make the property that runs independently. Fiducial belongings cannot be mixed to go bankrupt by debt of liquidation, countervail etc, this also is the place of the distinction with fiducial product and very old product of bank conduct financial transactions.
Overall and character, fixed income kind bank conduct financial transactions and fiducial product are " there am me in you, there are you in me " circumstance. Both security is very high, but from doorsill, fluidity character bank conduct financial transactions holds a dominant position undoubtedly, and fiducial product wants on yield more get the better of one prepare.
The article comes from fiducial expert
