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2020的资管新规下信托产品要怎么选
时间：2020-05-29

资管新规实施后 买信托要知道五件事

 

　　信托产品因为收益远超银行理财，同时又有信托公司隐性刚兑，一度是高收入人群钟爱的理财产品。但这几年随着银行利率下调，信托产品收益率也逐级走低，加上信托产品违约雷声不断，产品刚兑被逐步打破，投资者疑惑，信托理财还能放心投吗？

 

　　基础设施建设类信托明显增多

 

　　中国信托业协会披露：截至2019年三季度末，信托风险项目规模超4610亿，占信托总资产的比例从2018年底的1%上升至2.1%，创历史新高。对于投资者而言，这种感受就是偶尔会听到信托逾期违约的信息。

 

　　在经历了2019年严厉的监管后，整个信托行业发生了较大变化，以往受追捧的通道业务被持续压缩，房地产信托几乎陷入了停滞，但与之相反的是，基础设施建设类、政府平台融资类等项目却明显多了起来。根据信托业协会披露，截至2019年三季度末，投向基础产业的信托资金余额为2.86万亿元。

 

信托还能不能买？

对于未来信托产品还能不能买的问题，这本质上是一个如何购买合适产品的问题。进元财富认为，首先，投资者要有意识上的更新，资管新规出来后，中国已经没有保本保息的固定收益类产品了，这也是资管新规的核心：破刚兑。很多投资者以前闭着眼睛买信托产品，是因为行业存在信托公司隐性刚兑。现在，刚兑已经被打破，投资者要注意风险。

 

然后，在打破刚兑的大环境下，大家在购买信托时，可以从5个维度来评估：第一是资金用途。资金用途必须具体明确，如购买资产，该资产是否值这么多钱？如发放贷款，贷款资金实际去干什么了？项目建设还是流动资金？

第二是关注还款来源。还款来源越稳定、多元化，信托越安全。

第三是关注增信措施。主要有集团公司担保、实际控制人担保、土地抵押、在建工程抵押、房产抵押、股权质押等等。投资者要考虑的是万一发生违约，增信措施的变现能力有多快。

第四是关注融资主体。融资主体是最核心的，投资者要善用查询工具，查询该融资主体是否有负面信息、诉讼信息等，有疑问要及时联系进元财富的理财经理解答。

 

最后一个也是最重要的一环，项目一定要交给专业的理财师分析，在破刚兑的环境下，更要关注项目本身的安全性。进元财富就为此设立了一支独立专业的风控团队，帮助投资者深入了解项目的风险点。


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