1, banks can buy CIC trust products, but not necessarily, because banks generally tend to sell their own wealth management products, and then use the fund pool of wealth management products to buy trusts to earn the difference.
2, securities companies, securities companies can also buy CIC trust products, but also for a month or sometimes not, because securities companies mainly do economic business, such as stock account opening.
3. Third-party wealth management companies, third-party wealth management companies often have many choices. For buying CIC trust products, the third-party wealth management company is the best choice, because the products are the same, and generally three companies will have gifts.
Four steps to choose high-quality trust products
1, choose a trust company with good reputation.
Choosing a high-quality trust company will pay more attention to the safety of products, which is equivalent to helping you conduct a strict screening of products. Once the trust defaults, the trust company will first use its own capital; When the capital is insufficient, its shareholders may come to the rescue, so the state-owned enterprise trust and the central enterprise trust are more reliable.
2. Choose products with reasonable architecture design.
The framework design of trust financial products is very important. Good trust wealth management products must have reasonable risk control measures, such as setting priorities and secondary investment. This aspect is more professional. I suggest you find some senior people in the industry to help you check.
3. Choose a field that you are familiar with and recognized.
Trust financial products are non-traditional financial management and must correspond to relevant investment fields. Investors should choose their own familiar or recognized fields, because customers can have an objective understanding and accurate judgment if they are familiar with them. If you are not familiar with it, you must listen to the objective analysis and explanation of professionals. Otherwise, once you buy a product that you are not familiar with or recognize on impulse, investors will inevitably be nervous before the product expires. For example, if you are not optimistic about real estate, don't participate in real estate trust wealth management products; If you don't understand red wine, Pu 'er tea or art, don't participate in such trust wealth management products.
4. Choose products with appropriate maturity.
The term setting of trust wealth management products is more complicated than general wealth management products. Investors must be clear about the use cycle of their own funds. Some trust wealth management products indicate that they can be terminated in advance. This termination right is the right of the trust company, not the right of the investor. Some products are marked as 1 plus 1 year, that is, this product may be 1 year or 2 years, and some products are marked as 1 year, which can be finished half a year earlier. This kind of product is likely to be half a year, because the supervision requires that the trust product should not be less than 1 year, so the trust company has paved the way for early termination of the product structure.
The background of CIC Trust is local state-owned enterprises. Company profile:
China Construction Investment Trust Co., Ltd. (hereinafter referred to as "China Construction Investment Trust") is a professional trust financial institution approved by China Banking Regulatory Commission. Founded in 1979, the company was formerly known as Zhejiang International Trust and Investment Company, which is one of the earliest trust and investment companies in China. Since its establishment, China Construction Investment Trust has always adhered to the trust concept of "honesty, credit, prudence and effectiveness" and regarded "honesty-oriented and compliance management" as the core concept of the enterprise. On the basis of giving full play to the advantages of the trust system, the company has improved its overall asset management ability and risk control ability, formed its professional characteristics and core competitive advantages in the field of industrial investment trust, and become a financial trust institution with abundant capital, strict internal control, standardized management, strong development ability and competitiveness. By the end of 20 12, the company had total assets of 3 billion yuan and net assets of 2.7 billion yuan.