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虽然银行股权押信托产品属于固定收益类信托中的优质产品。但是论具体产品的安全性,还是需要仔细分析其融资方和具体的安全性保障条款。银行股权质押信托项目,在信托市场一直被誉为安全边际高的信托产品。由于我国银行股内在价值的显著,且银行股估值较低,使得这类产品成为固定收益信托市场的香饽饽。此类产品收益水平偏中等的,近期的年收益率一般在9%左右;一般规模偏小,以千万级别的居多;存续期也比较短,一般为12月至18月。
Although bank equity trust products belong to high-quality products in fixed income trusts. However, the safety of specific products, or the need to carefully analyze the financing side and the specific security guarantee clause. Bank equity pledge trust project, in the trust market has been hailed as high security margin trust products. Due to the significant intrinsic value of bank shares in our country and the low valuation of bank stocks, these products have become the incense sticks in the fixed income trust market. The return on such products is modest, and the annual rate of return in the near future is generally around 9%. The general scale is small, mostly in the tens of millions; the duration is relatively short, usually December to 18 months.