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

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身边很多人买定融产品，可靠吗？
时间：2020-04-07

为什么中国现在越来越多的人开始选择定融产品作为自己理财的一种方式呢，相比较于信托它有何优势呢？

我们进元财富在此向您详细解答：
    此类定向融资产品，解决了严监管下部分优质企业的融资渠道问题，办理的周期短，节省了部分中间环节，对我国多层次交易市场的形成和发展具有积极的推动作用，也为广大投资者提供了一种门槛相对较低的合法投资渠道。
那么定融产品和信托产品在各自都有什么优势特点？
（1）起投门槛不一样
定融的最低起投门槛一般只需十万，信托的起投门槛原则上是100万起投，甚至三百万起投；
（2）收益范围不一样
相同的融资方、担保方以及相同的投资金额比较之下，定融类的产品收益一般要比信托产品的收益高出1-2%，实际情况下，通常会高出2-3%；
（3）风险集中度不一样
对投资人来说，自己的资金实力是有限的，假设一位投资人只有一百多万的金融资产的话，如果选择投信托，他就只能选择一个信托项目，这样的资产配置就有些类似押宝，风险过于集中；如果是投定融，因为它起投门槛只需要十万，所以投资人可以适当分散到数个项目上，风险也适当分散。
（4）风控措施不一样
即使是相同的融资方和担保方，一般信托类要比定融类的风控措施更好一些，不过差异比较小。就拿政信类的债来说，定融类主要是基于应收账款作为质押，这个也是最主要的风控措施，信托类的往往多一个土地抵押权。从前地方政府出具的担保函形势，现在管理越来越严格后，很难拿到。以前是允许地方政府出面为很多项目做担保，但后来上头有要求不允许地方政府直接去做担保，所以才更多的转变成政府成立投融资平台来为一些项目做担保，当政府平台额度不够时，就给它注入资本或者资产等等，另外主动管理类的信托会为具体项目多提供一道保障，但仅做通道类的除外。

    但是了解定融产品的基本信息还是不够的，私募市场鱼龙混杂，所谓的政信类项目也不是单从项目推荐简版中能一眼瞧出来的，项目本身的安全性更多的是需要专业人士去评估判别。如果您初次接触定融产品，或者想节约更多的时间去了解项目，不防将挑选的工作交给我们，我们进元财富从业多年，产品丰富，不仅能为您提供最优返点，更有一支独立专业的风控团队替您的项目把住风险这一关。


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投p2p的撤出来后很多人投政信定融
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选择信托项目，是看信托公司，还是看项...

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