回老家過年，一群長輩圍着我問什麼是信托……

春節期間

團圓飯餐桌上，從事信托行業多年的小信，被長輩們問是做什麼工作的……

大伯：小信，每年都在外地很少回家，在什麼機關高就？

小信：在一家信托公司工作。

大伯：信托？這個詞語有點生僻呀，我怎麼沒聽說過？

小信：信托是指委托人基于對受托人的信任，将其财産權委托給受托人，由受托人按委托人的意願以自己的名義，為受益人的利益或者特定目的，進行管理或者處分的行為。

大伯：講點我能聽懂的……

小信：

簡單了解，就是基于信任，把自己的财産托付給信托公司去打理，信托公司按合同給你配置設定收益。

二伯插了進來：這不就和我前幾年投的e租寶、唐小僧一樣嗎？這可是非法的啊，小信，你要當心啊！

小信：信托和P2P可不一樣。信托和銀行、證券、保險并稱為中國金融的四大支柱，共同構成了一個國家的金融體系，每一家信托公司都有國家頒發的牌照，信托行業受國家金融監督管理總局監管。目前僅有67家信托公司，且不會再新增，牌照極其稀缺。涉及信托的法規有“一法三規”，一法指的是《中華人民共和國信托法》，“三規”指《信托公司管理辦法》、《信托公司集合資金信托計劃管理辦法》和《信托公司淨資本管理辦法》。信托是名副其實的正規軍，不是非法的哦。

二伯：那要是信托公司把委托人的錢卷跑了，怎麼辦？

小信：剛才講的，信托公司是受國家金融監督管理總局監管，根本就不會跑路。

即使真的跑路了，也沒有關系，委托人的錢也還在信托公司賬戶，

不會被卷跑。因為信托财産具有獨立性。委托人交給信托公司管理的信托财産與信托公司自身的固有财産互相獨立，并且每一個信托計劃都有獨立的資金托管賬戶。信托公司解散、被撤銷或破産，信托财産不屬于其清算或破産的财産。信托公司無法卷跑委托人的資金。

二伯：原來是這樣的，這可比我買的P2P靠譜多了。

小信：是的。

三伯：既然信托産品這麼安全，我剛剛從股市割肉出來的20萬塊錢，今年就找你買信托了。

小信：您這20萬塊錢買不了信托啊。

三伯：為什麼？這可是我全部家當，不能再買股票了，得找點穩健點的理财項目。

小信：因為信托産品的投資門檻一般為100萬元人民币，而且還要是合格投資者，要求有合法來源的合法财産或收入，用于信托投資的個人投資者需滿足家庭金融淨資産不低于300萬元，或者近三年本人年均收入不低于40萬元。

大伯：難怪我沒聽過……

三伯互戳着

兩個食指，嘟起小嘴委屈地喃喃：我不是合格投資者，買不了信托，嗚嗚……

爺爺：老三，别委屈了。我把我養老的30萬拿出來，老大和老二再拿出50萬，我們湊一起有100萬，可以買信托産品了。（诶，爸爸去哪了？）

小信：爺爺，這可不行。根據《信托公司集合資金信托計劃管理辦法》第十一條規定，委托人應當以自己合法所有的資金認購信托機關，不得非法彙集他人資金參與信托計劃。

爺爺：好吧……老三，你還是炒股去吧。

一旁比較時髦的堂姐：前段時間有新聞說：中植集團申請破産清算，不少人被抓走了，是你們信托行業的吧？

小信：警方通報的，對“中植系”所屬财富公司涉嫌違法犯罪立案偵查，對解某某等人采取刑事強制措施。那是針對四大财富的定融産品，和信托行業無關。

堂姐：那些

定融産品最終會怎麼樣呢？

小信：大過年的，還是不要聊這個吧……

堂姐夾了口韭菜炒雞蛋吃了，偷偷打開手機看了眼HT财富APP，長歎了一口氣。

大嬸：信托産品有較高的高收益率，如何保證資金安全的呢？

小信：信托資金是較安全的，首先，信托财産的所有權、管理權、受益權相分離，信托資金隻能按信托合同進行調用，即使信托公司出現破産，信托财産還可以完整地交由其他信托公司繼續管理；其次，信托公司會将信托産品發行和運作狀況定期到銀監會備案，信托資金的募集和兌付是監管部門重要的監管要點；最後，不同的信托産品有不同的風險控制措施，主要有：抵押、質押、擔保和結構化設計等 ，這樣可以保證信托計劃到期後借款人按時歸還資金。

二嬸：如果信托公司違法違規或管理失職，把委托人的資金弄虧損了，怎麼辦？

小信：可以向法院主張信托公司賠償。信托法第22條有相關規定：受托人違反信托目的處分信托财産或者因違背管理職責、處理信托事務不當緻使信托财産受到損失的，委托人有權申請人民法院撤銷該處分行為，并有權要求受托人恢複信托财産的原狀或者予以賠償。

衆人：原來是這樣。

小信：我敬大家一杯……

一陣歡聲笑語！

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and (min-width:1024px) and (prefers-color-scheme:dark){body:not(.pages_skin_pc) .wx-root[data-weui-mode=care]:not([data-weui-theme=light]),body:not(.pages_skin_pc) body[data-weui-mode=care]:not([data-weui-theme=light]){--weui-BG-0: #111;--weui-BG-1: #1e1e1e;--weui-BG-2: #191919;--weui-BG-3: #202020;--weui-BG-4: #404040;--weui-BG-5: #2c2c2c;--weui-FG-0: rgba(255, 255, 255, .85);--weui-FG-HALF: rgba(255, 255, 255, .65);--weui-FG-1: rgba(255, 255, 255, .55);--weui-FG-2: rgba(255, 255, 255, .35);--weui-FG-3: rgba(255, 255, 255, .1);--weui-FG-4: rgba(255, 255, 255, .15);--weui-FG-5: rgba(255, 255, 255, .1);--weui-RED: #fa5151;--weui-ORANGERED: #ff6146;--weui-ORANGE: #c87d2f;--weui-YELLOW: #cc9c00;--weui-GREEN: #74a800;--weui-LIGHTGREEN: #3eb575;--weui-BRAND: #07c160;--weui-BLUE: #10aeff;--weui-INDIGO: #1196ff;--weui-PURPLE: #8183ff;--weui-WHITE: rgba(255, 255, 255, .8);--weui-LINK: #7d90a9;--weui-TEXTGREEN: #259c5c;--weui-FG: #fff;--weui-BG: #000;--weui-TAG-TEXT-RED: rgba(250, 81, 81, .6);--weui-TAG-BACKGROUND-RED: rgba(250, 81, 81, .1);--weui-TAG-TEXT-ORANGE: rgba(250, 157, 59, .6);--weui-TAG-BACKGROUND-ORANGE: rgba(250, 157, 59, .1);--weui-TAG-TEXT-GREEN: rgba(6, 174, 86, .6);--weui-TAG-BACKGROUND-GREEN: rgba(6, 174, 86, .1);--weui-TAG-TEXT-BLUE: rgba(16, 174, 255, .6);--weui-TAG-BACKGROUND-BLUE: rgba(16, 174, 255, .1);--weui-TAG-TEXT-BLACK: rgba(255, 255, 255, .5);--weui-TAG-BACKGROUND-BLACK: rgba(255, 255, 255, .05)}}@media screen and (min-width:1024px) and (prefers-color-scheme:dark){body:not(.pages_skin_pc) .wx-root:not([data-weui-theme=light]),body:not(.pages_skin_pc) body:not([data-weui-theme=light]){--weui-BG-0: #111;--weui-BG-1: #1e1e1e;--weui-BG-2: #191919;--weui-BG-3: #202020;--weui-BG-4: #404040;--weui-BG-5: #2c2c2c;--weui-FG-0: rgba(255, 255, 255, .8);--weui-FG-HALF: rgba(255, 255, 255, .6);--weui-FG-1: rgba(255, 255, 255, .5);--weui-FG-2: rgba(255, 255, 255, .3);--weui-FG-3: rgba(255, 255, 255, .1);--weui-FG-4: rgba(255, 255, 255, .15);--weui-FG-5: rgba(255, 255, 255, .1);--weui-RED: #fa5151;--weui-ORANGERED: #ff6146;--weui-ORANGE: #c87d2f;--weui-YELLOW: #cc9c00;--weui-GREEN: #74a800;--weui-LIGHTGREEN: #3eb575;--weui-BRAND: #07c160;--weui-BLUE: #10aeff;--weui-INDIGO: #1196ff;--weui-PURPLE: #8183ff;--weui-WHITE: rgba(255, 255, 255, .8);--weui-LINK: #7d90a9;--weui-TEXTGREEN: #259c5c;--weui-FG: #fff;--weui-BG: #000;--weui-TAG-TEXT-RED: rgba(250, 81, 81, .6);--weui-TAG-BACKGROUND-RED: rgba(250, 81, 81, .1);--weui-TAG-TEXT-ORANGE: rgba(250, 157, 59, .6);--weui-TAG-BACKGROUND-ORANGE: rgba(250, 157, 59, .1);--weui-TAG-TEXT-GREEN: rgba(6, 174, 86, .6);--weui-TAG-BACKGROUND-GREEN: rgba(6, 174, 86, .1);--weui-TAG-TEXT-BLUE: rgba(16, 174, 255, .6);--weui-TAG-BACKGROUND-BLUE: rgba(16, 174, 255, .1);--weui-TAG-TEXT-BLACK: rgba(255, 255, 255, .5);--weui-TAG-BACKGROUND-BLACK: rgba(255, 255, 255, .05)}}@media screen and (min-width:1024px) and (prefers-color-scheme:dark){body:not(.pages_skin_pc) 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#10aeff;--weui-INDIGO: #1485ee;--weui-PURPLE: #6467f0;--weui-WHITE: #fff;--weui-LINK: #576b95;--weui-TEXTGREEN: #06ae56;--weui-FG: #000;--weui-BG: #fff;--weui-TAG-TEXT-RED: rgba(250, 81, 81, .6);--weui-TAG-BACKGROUND-RED: rgba(250, 81, 81, .1);--weui-TAG-TEXT-ORANGE: #fa9d3b;--weui-TAG-BACKGROUND-ORANGE: rgba(250, 157, 59, .1);--weui-TAG-TEXT-GREEN: #06ae56;--weui-TAG-BACKGROUND-GREEN: rgba(6, 174, 86, .1);--weui-TAG-TEXT-BLUE: #10aeff;--weui-TAG-BACKGROUND-BLUE: rgba(16, 174, 255, .1);--weui-TAG-TEXT-BLACK: rgba(0, 0, 0, .5);--weui-TAG-BACKGROUND-BLACK: rgba(0, 0, 0, .05)}.wx-root,body{--weui-BTN-ACTIVE-MASK: rgba(0, 0, 0, .1)}.wx-root,body{--weui-BTN-DEFAULT-ACTIVE-BG: #e6e6e6}.wx-root,body{--weui-DIALOG-LINE-COLOR: rgba(0, 0, 0, .1)}.wx-root,body{--weui-BG-COLOR-ACTIVE: #ececec}@media(prefers-color-scheme:dark){.wx-root:not([data-weui-theme=light]),body:not([data-weui-theme=light]){--weui-BTN-ACTIVE-MASK: rgba(255, 255, 255, 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59, .6);--weui-TAG-BACKGROUND-ORANGE: rgba(250, 157, 59, .1);--weui-TAG-TEXT-GREEN: rgba(6, 174, 86, .6);--weui-TAG-BACKGROUND-GREEN: rgba(6, 174, 86, .1);--weui-TAG-TEXT-BLUE: rgba(16, 174, 255, .6);--weui-TAG-BACKGROUND-BLUE: rgba(16, 174, 255, .1);--weui-TAG-TEXT-BLACK: rgba(255, 255, 255, .5);--weui-TAG-BACKGROUND-BLACK: rgba(255, 255, 255, .05)}}@media(prefers-color-scheme:dark){.wx-root:not([data-weui-theme=light]),body:not([data-weui-theme=light]){--discussInput-BG: rgba(255, 255, 255, .03)}}@media(prefers-color-scheme:dark){.wx-root:not([data-weui-theme=light]),body:not([data-weui-theme=light]){--nickName-FG: #959595}}@media(prefers-color-scheme:dark){.wx-root:not([data-weui-theme=light]),body:not([data-weui-theme=light]){--weui-BG-0: #111;--weui-BG-1: #1e1e1e;--weui-BG-2: #191919;--weui-BG-3: #202020;--weui-BG-4: #404040;--weui-BG-5: #2c2c2c;--weui-FG-0: rgba(255, 255, 255, .8);--weui-FG-HALF: rgba(255, 255, 255, .6);--weui-FG-1: rgba(255, 255, 255, .5);--weui-FG-2: rgba(255, 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.05)}}@media(prefers-color-scheme:dark){.wx-root:not([data-weui-theme=light]),body:not([data-weui-theme=light]){--appmsgExtra-BG: #121212}}@media screen and (min-width:1024px){body:not(.pages_skin_pc) :root{--appmsgPageGap: 20px;--appmsgPageBottomGap: 40px}}:root{--articleFontsize: 17px}:root{--sab: env(safe-area-inset-bottom)}:root{--wxBorderAvatarRatio: 3}:root{--discussPageGap: 20px}:root{--immersive-safe-bottom: env(safe-area-inset-bottom)}:root{--appmsgPageGap: 20px;--appmsgPageBottomGap: 40px}@media(prefers-color-scheme:dark){body:not([data-weui-theme=light]) .rich_media_content img:not(.wx_img_placeholder){filter:brightness(.8)}}*{margin:0;padding:0}.rich_media_content *{max-width:100%!important;box-sizing:border-box!important;-webkit-box-sizing:border-box!important;word-wrap:break-word!important}

div.autoTypeSetting24psection > p,div.autoTypeSetting24psection > section{margin-bottom: 24px;}