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    style="display:block"> 信托投资知识 定融产品知识

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购买信托产品前不得不看的知识点！
时间：2019-11-06

当越来越多的人开始投身于信托市场，诸多刚入市的投资者要如何才能购买到一款好的信托产品呢?购买信托产品前需要知悉的风险及风险控制措施有哪些呢?

1、融资方信用风险

信托产品的风险与交易对手的信用息息相关。主要看资产负债率以及征信报告等信用记录，负债率较高的企业、征信报告中有不良记录的企业通常风险比较大。此外，偿债能力越强的企业，其金融信用评级也将越高。因此，整体实力较强、财务状况良好的融资方违约的概率将显著降低。

2、还款来源风险

保障信托产品安全的重要要素之一是还款来源。还款来源越充足和明确，信托项目违约发生的概率就越低。比如，融资方日常的经营性现金流或者所投向的项目回款现金流能够完全覆盖投资者的本金和预期收益，则可视为有相对可靠的第一还款来源。

3、风险控制措施

信托产品的风险控制措施主要有抵押、质押、担保。一旦融资方发生违约，第一还款来源也不可靠时，信托公司将通过这些风险控制措施来将降低风险和损失。投资者可以事先了解抵押物、质押物的评估价值和变现能力，以及了解担保人的资质背景、经济实力、与融资方有无关联、所承担的责任等等，以此来判断风险控制措施的强弱。通常，抵(质)押率较低的信托产品风险相对较小、安全。

4、知悉合同条款和细则

投资者应当重点关注信托财产的税费承担和费用的界定及核算、信托终止时信托利益的分配方式、违约等风险发生后的应对措施、信托产品可能存在的风险，以及其他信托合同的条款和细则，从而判断是否购买这款产品。

5、知悉预期年化收益率

影响信托产品收益率的因素有很多，一般包括市场资金的供给、货币政策调控、发行主体信用水平、项目质量、投资额度等。因此，投资者在选购前一定要先学会分辨。同时，信托的风险与收益也是成正比的，所以投资者应当根据自己的风险承受能力、量力而行。

虽然每一个信托产品从设立直至运行的整个过程中都经历了严格的风险管控，但是投资者在购买信托产品时也应当具备强烈的风险防范意识，小心谨慎地对待购买时的每一步操作和流程，并懂得甄别适合自己的信托产品才是好的选择。


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