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如何选择信托产品?选择信托产品实际上就是选择高质量的资产-进元财富
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如何选择信托产品?选择信托产品实际上就是选择高质量的资产
时间:2020-06-05

最近很多人在问,几十家的信托公司 ,那么多的信托产品 ,琳琅满目,信托产品到底要怎么选?

 

  其实选系统产品就是选优质资产

 

  这事情,专业的说,会复杂,通俗的说会很简单。

 

  除非存银行活期,要不然其它的金融活动都是属于投资行为,不论低风险、中风险、高风险的投资,首先看的是投资标的。

 

  就像买股票,银行股和可能退市的ST股的风险系数是不一样的。

 

  信托产品虽然很多是固定收益的理财产品 ,每个产品投资的标的也不一样。

 

  比如某个信托产品是投向北上广以经济适用房为主的地产,我们都知道,经济适用房的价格是市场价的三分之一或者四分之一,经济适用房一盖好,考虑的不是能不能卖掉的问题,而是要排队抽签摇号的问题。这种产品就属于优质资产,按常理就能判断出来的。

 

  比如某个信托产品是投向某个芯片业的股权,这个芯片目前国内就它能做,或者某个信托产品是投向国家工业 4.0高端制造的股权,全国也就这家公司拥有能和发达国家竞争的高端技术,所生产的产品价格又只有发达国家公司的四分之一,这类企业国家会大力扶持,上市也能走绿色通道,那么这种拟上市股权投资的信托产品就是优选的项目。

 

  选产品,项目的好坏永远排在首位,其次才是信托公司的风控水平,没有好的信托项目做基础,再眼花缭乱的风控都是空中楼阁。

 

  但是,有好的产品,并不代表风控不重要,一个同样的产品,不同的信托公司风控措施也不一样,一个优秀的风控措施是,能监控资金的流向,最好能实现项目资金闭环,另外,能够有一个好的预警系统,感知到风险,能解决风险提前收回本金利息,或者能强有力的处置不良资产。

 

  所以,信托公司发展到最后,可能会强者恒强,因为有个良性循环的因素在里面,强的信托公司融资能力也强、融资成本也可能会更低些、也更容易获得优质的项目资产,风控系统也相对完善,在项目运营中的主动权也较高,这会导致优质的客户和优质的项目又进一步向强的信托公司集中。

 

  另外第二梯队第三梯队的信托公司,也会开始分化,他们不一定发展成综合性的信托公司,但会集中力量发展自己某项特色的业务,并形成自己的品牌。

 

  进元财富在此提醒,作为信托投资者,在选择信托产品时,首选要看该产品的项目标的是什么,这个项目本身好不好?再看抵押物是啥,容不容易迅速处置,其次再看其它风控措施。进元财富拥有独立的风险评估测评报告,更好的为投资者选择信托产品提供一个参考要素。


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