Promise.
Investors can choose fixed-income trust products from the following angles.
(1) Trust company: First, examine the comprehensive strength of the trust company. At present, there are 62 trust companies in China, and each company has different management level, risk control ability, profitability and management fund scale.
(2) Investment industry: Industries with high industry prosperity have more investment value.
(3) Guarantor: It depends on the background of the guarantor, the net assets and composition of the guarantor, the relationship between the guarantor and the financier, and the responsibilities undertaken by the guarantor.
(4) Strength of the financier: Understand the financial status, growth prospects and industry and company background of the financier.
(5) Source of income: It is necessary to know the reliability of expected income, that is, the feasibility of the success of the project.
(6) Product term: Generally, between the purchase of trust products and the payment of principal and interest by the financier, investors' funds cannot be redeemed, so investors should be optimistic about the product term in order to arrange future cash flow. In addition, some products are terminated or postponed in advance. Investors are also requested to pay attention to whether there are such additional clauses before signing the contract.
(7) Mortgage rate: Mortgage rate refers to the value of the funds to be financed relative to the mortgaged property. The lower the mortgage rate, the smaller the project risk and the safer the project. At the same time, it also depends on the realization of the mortgaged property.
(8) Expected annualized rate of return: Other things being equal, the higher the expected annualized rate of return, the better.
Friends who want to know about trust products or need advice can ask me.