Product Design Of Overseas Study Consumer Lending Collective Fund Trust Plan

"X Trust-Overseas Study Consumer Lending Collective Fund Trust Plan" is based on the study of consumer finance market supply and demand, with financial operations as the main body design of consumer financial strategy, in order to meet the demand of Chinese education investment, service for international students from the plan to go abroad, to study in foreign country then complete their studies come home at various stages of different financial needs. Trust plan participations includes Trust Companies, Trust Banks, Guarantee Companies, Consumer Finance Companies, Service Organizations, etc., with fully market research and data analysis, in-depth excavation of overseas study consumer financial markets demand, integrating various advantages, introduced for the city’s middle-class family, which reimbursement means diversity, with " Simple, Short and Fast" application conditions.Overseas Study consumer docking the trust companies and consumer finance companies, the specific mode of operation is:commercial banks sold trust to investors with strong marketing capability, then trust companies sign contracts with investors. Consumer finance companies issue individual study consumer Lending with the establishment of the trust as platform. Trust company centralized purchasing assets package from consumer finance companies according to the trust contract, then assign trust rights to the client.After deeply analyzing the characteristics of the consumer finance company, clarify the basic principle of studying consumer trust-"credit factory" pattern, and introduced consumer finance companies as the main promoter of consumer credit. Product advantage and disadvantage analysis section, with different types of trust compared to clarify the product advantages and disadvantages, such as real estate trusts and similar consumer loan trust products; training and education loan and the commercial bank study loan. Product risks and benefits analysis part, from feasibility and future profit reason, product competition ability two aspects analyze the applicability of the products. Product risk control including term mismatch risk and its control, project acceptance risk and its control risk and its control, money idle risk and its control.