The average rate is about 4.6%!The N trusts industry stabilization fund's routine payment standards are released

Original title: The average rate is about 4.6%! Based on the revenue of the trust company, one year is paid once a year, and the trust industry stabilizes fund and financial stability guarantee

Establish a long -term mechanism for maintaining financial stability, and the specific roadmap of the trust industry is gradually clear.

Trust Baiyaohui reporter was exclusively informed that the regulatory authorities recently issued the "Notice on the Trust Company to do a good job of financial stability guarantee fund, trust industry stability fund, and trust industry security fund raising work related matters (draft for comments)", " It is revealed that the financial stability guarantee fund and the trust industry stabilization fund conventional payment standards -based on the operating income of each trust company as the base, the average rate of one year is about 4.6%, of which 3.7%are used to pay the trust industry stable fund, 0.9 0.9 %Is used to pay financial stability protection funds.

It is worth mentioning that the rate of stability of the trust industry is composed of the benchmark rate and risk difference rate. The CBRC will determine the risk difference rate of the year based on the results of the company's regulatory rating re -evaluation results of the previous year.

3.7%+0.9%

Trust Baiyaohui reporter learned from the source that the regulatory authorities recently issued a draft of solicitation to the trust company, clarifying the conventional payment standards of the financial stability guarantee fund and the trust industry stability fund -based on the operating income of each trust company as the base, The average rate of one year is about 4.6%, of which 3.7%are used to pay the trust industry stability fund, and 0.9%are used to pay financial stability guarantee funds.

In other words, future trust companies need to pay both the trust industry stability fund and the financial stability guarantee fund.

In terms of the trust industry, the trust company pays once a year, and the fund rate is composed of the benchmark rate and risk difference rate. The benchmark rate is currently 3.7%of the operating income of the trust company, which can be appropriately adjusted according to the economic and financial development status and the level of fund accumulation. The risk difference rate is determined according to the results of the trust company's supervision and rating. The risk difference rate of innovation, development, and growth trust companies is -0.2%~ 0, 0, 0.0.2%, respectively.

A source said, "The target of the trust industry with the highest supervision and rating of the trust industry is 3.7%-0.2%, that is, 3.5%, and the company with the lowest regulatory rating is 3.7%+0.2 %, That is, 3.9%. The company with low qualifications is low, less, and low -risk and high risk of corporate rates.

In terms of financial stability guarantee funds, according to relevant policies, some trust companies pay the first batch of financial stability guarantee funds as required. Since then, 68 trust companies in the industry will regularly pay financial stability guarantee funds each year, and will be charged by 0.9 percentage points on the basis of the benchmark rate of the trust industry stabilization fund.

As for the trust industry security fund paid by the trust company before, this solicitation draft stated that on the basis of the basic preservation of the current system, it is clear that the trust company will not subscribe to the trust industry guarantee fund at 1%of the balance of net assets. Return; the problem that the subscriber subject to the fund investment trust in the current system is not clear enough, and it is clear that it may be subscribed by investors and trust companies to subscribe by the fund.

According to data from the China Trust Industry Association, in 2021, the industry achieved operating income of 120.798 billion yuan, a slight decrease of 1.63%year -on -year. If the average rate is roughly calculated at a average rate of 4.6%, the total of about 5.557 billion yuan in financial stability guarantee funds and trust industry stabilization funds paid by 68 trust companies in one year is about 5.557 billion yuan.

Trust Bai Laohui reporter noticed that the above -mentioned solicitation draft and the "Administrative Measures for the Trust Protection Fund and the Mutual Assistance Fund (Draft for Opinions)" released by the CBRC publicly released in February this year Essence

For example, splitting the original trust guarantee fund into the "Trust Protection Fund" and "Trust Industry Mutual Assistance Fund" are the biggest highlights of the Measures. However, in this solicitation draft that the regulatory authorities recently issued to the trust company, there is no longer a "liquidity mutual assistance fund" method of "liquidity mutual assistance funds", and the new "trust industry stabilization fund" is awarded.

Establish a long -term mechanism to maintain financial stability

In 2022, the government work report proposed for the first time to "establish a financial stability guarantee fund" - "continue to follow the basic policy of stable overall situation, overall coordination, classification, and accurate bomb demolition to do a good job of risk disposal in the economic and financial sector. Compact local territories of local territories Responsibility, departmental supervision responsibility, and corporate main responsibility, strengthen risk early warning, prevention and control mechanism and capacity building, establish financial stability guarantee funds, use marketization and rule of law to resolve hidden risks, and firmly adhere to the bottom line of no systemic risk. "

Later, the "Opinions on Implementing the" Report of the Government Work Report "issued the" Report on the Government Work Report "for the first time clarified the progress requirements of the establishment of a financial stability guarantee fund, and proposed that the relevant work of the financial stability guarantee fund was completed by the end of September.

How will the financial stability guarantee fund be implemented? A spokesman for the China Banking Regulatory Commission said before the reporter asked that related work is being studied and promoted, and preliminary considerations are that the financial stability guarantee fund is used to deal with major risk disposal with systemic hidden dangers, and the deposit insurance and industry that exerts the role of conventional risk disposal The guarantee fund is an indispensable part of my country's financial security network, and it is taken to the market and used in the market to distinguish different industries and different subjects to implement differentiated fees in order Interests suffer losses.

On April 6, the People's Bank of China publicly solicited opinions on the "Financial Stability Law of the People's Republic of China (Draft Consultation Draft)".Recently, the 10th issue of 2022 "Seeking" published the article "Perseverance to resolve major financial risks" written by the CBRC Party Committee.The article revealed that the basic framework of the financial stability guarantee fund was initially established. The first batch of 64.6 billion yuan of funds has been raised in place, the deposit insurance system has been strengthened, and the management measures for insurance security funds and trust industry security funds are being revised and improved.

Some industry observers analyzed the reporter of Trust Bai Laohui, "In the future, the banking industry's security network is jointly constructed by the financial stability guarantee fund and deposit insurance, and the security network of the trust industry is jointly constructed by the financial stability guarantee fund and the trust industry stability fund.","

Responsible editor: Nuo Nuo

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