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      1. 派思股份[603318]股吧-怎么样-万融股票配资网

        5亿信托踩雷华夏幸福 违约当天受益人火速投票

        摘要:   原标题:5亿信托“踩雷”华夏幸福!违约当天,受益人“火速”投票  8月16日,就代销的一只5亿元规模信托产品出现实质性违约一事,招商银行和大业信托分别进行回应。  招商银 ...

          原标题:5亿信托“踩雷”华夏幸福!违约当天,受益人“火速”投票

          8月16日,就代销的一只5亿元规模信托产品出现实质性违约一事,招商银行和大业信托分别进行回应。

          招商银行证实其代销大业信托的产品违约,并表示将督促大业信托妥善解决信托利益分配等问题。

          大业信托同日公告称,根据本信托计划受益人大会第一次会议投票表决结果,该公司已代表本信托计划加入华夏幸福金融机构债权人委员会(下称债委会)。截至公告日,债委会尚未公布华夏幸福整体风险化解方案。

          据悉,上述信托产品系大业信托-君睿15号(九通基业)项目集合资金信托计划(下称“君睿15号”),于2021年8月16日到期,规模为5亿元。

          从双方回应来看,这是一只主动管理类信托产品。但有信托公司知情人士向记者分析说,从处理时间来看,有点蹊跷,产品刚违约,信托公司就已火速召集信托计划受益人投票。这与通常处理信托违约事件的流程不符合,一般没有这么快。

          如何解决还看华夏幸福

          今日,招商银行有关负责人向上海证券报记者表示,华夏幸福出现债务危机以来,为保护客户利益,招行作为代销机构,与产品主动管理方大业信托保持高频沟通,敦促其做好风险化解工作,要求其尊重受益人意见,召开受益人大会就是否加入债委会进行表决,争取优先处置方案,最大限度维护客户利益。

          大业信托表示,一切以债务会的节奏为主在推进,公司已经尽到受托人职责,后续如果有进展,会第一时间进行信息披露。

          如此来看,上述信托产品兑付问题后续如何解决,尚待华夏幸福的债务解决方案。

          据悉,“君睿15号”成立于2020年8月14日,为一年期集合信托产品,主要为华夏幸福间接全资子公司九通基业投资有限公司(下称“九通投资”)提供资金。

          招商银行公告证实,上述信托计划的产品发行方及主动管理人为大业信托。该信托计划用于向九通投资提供融资人民币5亿元。为担保九通投资支付义务的履行,华夏幸福提供不可撤销的连带责任保证担保。同时,该信托计划已于2021年8月16日到期。根据大业信托的公告,截至今日,大业信托仍未收到融资方应支付的款项,保证人亦未履行保证责任。

          据悉,“君睿15号”主要由招行上海分行和北京分行的私人银行自然人客户“消化”,还有部分由私人银行家族信托承接。今年3月下旬,大业信托利用自有资金垫付了“君睿15号”应支付给投资者的一季度利息。

          根据大业信托官网披露信息,自成立以来,该信托计划共分配三次收益,最后一次是在今年3月24日。

          代销信托产品为招行的非息收入作出的贡献不低。根据招行2021年半年度报告,该行代理信托计划收入45.28亿元,同比增长23.85%,主要是高净值客群经营的进一步深化,叠加较好市场行情带动浮动收益类产品业绩的快速增长。

          违约日受益人“火速”投票

          一方是信托产品发行方,一方是代销机构,在产品出现实质性违约时,该由谁来担责?

          上海董道律师事务所合伙人李琰炜说,主要看卖方机构在向投资者推介、销售信托理财产品时,是否履行“了解客户、了解产品、将适当的产品销售(或者提供)给适合的金融消费者”等适当性义务,以确保投资者在充分了解相关信托产品、投资活动的性质及风险的基础上作出自主决定,并承受由此产生的收益和风险。“如果信托产品发行人、销售者未尽前述适当性义务,导致投资者在购买信托产品过程中遭受损失,投资者既可以请求信托产品的发行人承担赔偿责任,也可以请求信托产品的销售方承担赔偿责任。”他说。

          近年来,信托产品违约情况不在少数。不过,从公开信息来看,上述信托产品颇有蹊跷之处——“君睿15号”8月16日到期,截至招行公告日,大业信托仍未收到融资方应支付的款项,保证人亦未履行保证责任;同日,大业信托称,依据该信托计划受益人的投票表决结果,已经代表该信托计划受益人加入了华夏幸福债委会。

          简而言之,信托产品违约当日,该信托计划受益人已开完大会完成投票。

          “通常来说,如果信托公司项目很早出现问题或者风险,一般会先发临时信息披露公告,告诉委托人目前情况。此后信托公司再自己先行处理,就是跟融资方协商,这会有一个较长时间的过程,要先形成一个完善的解决办法。”上述知情人士说,一般项目出现违约,信托公司会先告诉委托人现在的情况,并表示会持续关注,首先会申请延期兑付,延期后问题仍未解决,再作进一步处理。

          “一般不可能刚违约就立即召开信托计划受益人大会。”他猜测,这实际上是听委托人指令行事,可能是一只典型的假主动管理类产品。这意味着,一旦出现违约等问题,兑付责任容易出现矛盾。

          “踩雷”华夏幸福债务

          上述信托产品违约,主要受华夏幸福债务危机拖累。

          华夏幸福曾是北方地产巨头,但在今年年初,该公司爆出资金链断裂、债务违约等问题,并在今年2月公告中,公司承认存在债务逾期等情况。

          今年7月31日,华夏幸福发布公告显示,受宏观经济环境、行业环境、信用环境叠加多轮疫情影响,华夏幸福流动性出现阶段性紧张,近期公司及下属子公司新增未能如期偿还银行贷款、信托贷款等债务形式的债务本息金85.18亿元。截至本公告披露日,华夏幸福累计未能如期偿还债务本息合815.66亿元。目前公司正在与未能如期偿还债务本息涉及的金融机构积极协调展期相关事宜。

          据悉,华夏幸福的融资渠道涉及银行、信托等,因此包括平安集团在内的多家金融机构“踩雷”。

          上述知情人士说,过去银行非常喜欢代销房地产类信托项目,因为地产业务比较简单,主体信用很强,期限又短,收益好。有些银行资金受集中度等限制要求,还会找信托等通道来投资。

          华夏幸福原计划今年7月公布综合性风险化解方案,但至今尚无进一步消息。

        英文阅读:

        Original title: 500 million fiducial " step on thunder "Happiness of an ancient name for China! Break a contact that day, beneficiary beneficiary " at top speed " voting

        On August 16, a when sell goods on a commission basis 500 million yuan of dimensions are fiducial be related of break a contact of product occurrence materiality, Enrol merchant bankWith great undertaking fiducial have a response respectively.

        The bank that enrol business confirms its sell goods on a commission basis the product break a contact with fiducial great undertaking, express to will supervise and urge fiducial appropriate solves great undertaking fiducial interest allocates wait for a problem.

        The fiducial announcement that be the same as day weighs great undertaking, according to this fiducial plan conference of first time of beneficiary beneficiary congress decides by ballot a result, this company already joined committee of loan of orgnaization of finance of happiness of an ancient name for China on behalf of this fiducial plan (next weighing debt appoint meeting) . Up to announcement day, debt appoint meeting have not announce risk of whole of happiness of an ancient name for China to dissolve plan.

        It is reported, great undertaking of afore-mentioned fiducial product department are fiducial - Jun Rui 15 (9 base course of study) project gather capital is fiducial plan (next weighing " Jun Rui 15 " ) , expired on August 16, 2021, dimensions is 500 million yuan.

        From the point of bilateral response, this is manage kind of fiducial product only actively. But personage of trust company know the inside story says to reporter analysis, from the point of processing time, have bit of odd, product firm break a contact, trust company already called together fiducial plan beneficiary beneficiary to poll at top speed. This and the flow that handle incident of fiducial break a contact normally are not accorded with, do not have commonly so fast.

        How to solve still view happiness of an ancient name for China

        Now, the bank that enrol business signs up for a reporter to express to Shanghai negotiable securities about chief, since crisis of occurrence debt of happiness of an ancient name for China, to protect client interest, action travel serves as sell goods on a commission basis orgnaization, square great undertaking of as active as the product management is fiducial keep high frequency communicate, urge its to do good risk to dissolve the job, ask its respect beneficiary beneficiary opinion, hold beneficiary beneficiary congress to whether add debt appoint can undertake voting, strive for preferential deal with plan, utmost maintains client interest.

        Great undertaking is fiducial express, all rhythm that meet with debt are given priority to advancing, the company has used up depositary duty, if sequel has progress, meeting undertake information is announced for a short while.

        Will look so, how are follow-up of afore-mentioned problem of fiducial product cash solved, still need the debt solution of happiness of an ancient name for China.

        It is reported, "Jun Rui 15 " held water on August 14, 2020, for a year period gather is fiducial product, basically be an ancient name for China happy and indirect wholy-owned subsidiary 9 base course of study invests limited company (next weighing " 9 investment " ) bankroll.

        Announcement of the bank that enrol business confirms, the product of afore-mentioned fiducial plans is issued just reach active management factitious great undertaking is fiducial. This are fiducial plan 500 million yuan to connect investment to offer financing RMB with Yu Xiangjiu. To assure 9 invest those who pay obligation to fulfill, happiness of an ancient name for China offers irrevocable joint liability to assure to assure. In the meantime, this are fiducial the plan already expired on August 16, 2021. According to the announcement with fiducial great undertaking, up to now, great undertaking is fiducial the money that still did not get those representing capital of be in harmony to should pay, sponsorial Yi Weilv assures responsibility all right.

        It is reported, "Jun Rui 15 " basically mix by branch of action travel Shanghai the client of private bank natural person of Beijing branch " digest " , still have a share by private bank familial and fiducial carry on. This year in March the last ten-day of a month, great undertaking is fiducial used own reserves pay for sb and expect to be repaid later " Jun Rui 15 " should pay investor first quarter accrual.

        According to great undertaking fiducial official net discloses information, since hold water, this are fiducial the plan distributes profit 3 times in all, it is for the last time this year on March 24.

        Sell goods on a commission basis the contribution that the blame interest income that fiducial product goes to enrol makes is not small. According to action travel half an year spent a report 2021, this representative is fiducial plan income 4.528 billion yuan, grow 23.85% compared to the same period, basically be guest of high net value group those who manage is farther deepen, better market level drives overlay float accrual kind the rapid growth of product outstanding achievement.

        Beneficiary beneficiary of day of break a contact " at top speed " voting

        One party is fiducial product is issued square, one party is to sell goods on a commission basis orgnaization, when break a contact of product occurrence materiality, by who should be carried duty?

        Li Yan of partner of office of Shanghai Dongdao's attorney brights say, basically see bargainor orgnaization be in recommend to investor, when selling product of fiducial conduct financial transactions, whether to fulfill " product of understanding client, understanding, will proper product is sold (perhaps offer) to suitable financial consumer " wait for proper sex obligation, make own decision in order to ensure investor is in related sufficient understanding on the foundation of the fiducial product, property that invests an activity and risk, the accrual that bears to arise from this and risk. "If the fiducial product publisher, person that sell was not used up before narrate proper sex obligation, bring about investor to suffer a loss in buying fiducial product process, investor can request the publisher of fiducial product to assume liability to pay compensation already, the sale that also can request fiducial product just assumes liability to pay compensation. " he says.

        In recent years, circumstance of fiducial product break a contact is absent a few. Nevertheless, from the point of public information, the place that afore-mentioned fiducial products have odd quite -- " Jun Rui 15 " expired on August 16, up to day of action travel announcement, great undertaking is fiducial the money that still did not get those representing capital of be in harmony to should pay, sponsorial Yi Weilv assures responsibility all right; With day, great undertaking believes plead, according to this fiducial plan beneficiary beneficiary decide by ballot a result, had added debt of happiness of an ancient name for China on behalf of this fiducial plan beneficiary beneficiary appoint meeting.

        In short, fiducial product break a contact that day, this fiducial plan beneficiary beneficiary already opened congress to finish voting.

        "Normally for, if early of trust company project appears problem or risk, general meeting is sent first temporarily information announces announcement, tell client eye antecedent condition. After this trust company again processing of him go ahead of the rest, talk things over with those representing capital of be in harmony namely, this meeting has a longer process, want what form to perfect first to settle way. " personages of afore-mentioned know the inside story say, average project occurrence break a contact, trust company can tell client present circumstance first, express to be able to pay close attention to continuously, can apply for delay cash above all, the problem after delay still was not solved, make further processing again.

        "Common cannot firm break a promise holds plenary meeting of fiducial plan beneficiary beneficiary instantly. " he guesses, this is to listen to client instruction act actually, the holiday that may be a model manages kind of product actively. This is meant, once appear the problem such as break a contact, cash responsibility appears easily contradictory.

        "Step on thunder " debt of happiness of an ancient name for China

        Afore-mentioned fiducial product break a contact, basically suffer be a burden on of crisis of debt of happiness of an ancient name for China.

        Happiness of an ancient name for China ever was northward and landed tycoon, but this year the beginning of the year, this company explodes contributive gold chain ruptures, the problem such as debt break a contact, be in announcement is medium this year in Feburary, the company admits the circumstance such as existence debt exceed the time limit.

        This year on July 31, happiness of an ancient name for China releases announcement to show, suffer overlay of macroscopical economy environment, industry environment, credit environment many rounds epidemic situation influence, sex of occurrence level of liquidity of happiness of an ancient name for China is nervous, near future company and subordinate subsidiary are added newly fail to repay as scheduled the gold of debt principal and interest of the debt form such as bank loan, fiducial loan 8.518 billion yuan. Show day up to this announcement, accumulative total of happiness of an ancient name for China fails to repay as scheduled debt principal and interest adds up to eighty-one billion five hundred and sixty-six million yuan. At present the company is in with fail to repay as scheduled the financial orgnaization that debt principal and interest involves coordinates exhibition period actively relevant matters concerned.

        It is reported, the financing channel of happiness of an ancient name for China is involved bank, fiducial etc, because this includes restful group inside orgnaization of much home banking " step on thunder " .

        Personages of afore-mentioned know the inside story say, past bank likes to sell goods on a commission basis very much estate kind fiducial project, because landed professional work is simpler, main body credit is very strong, deadline short, gains is good. Some banks financing suffers concentration to spend wait for limitation to ask, still can search fiducial wait for a passageway to invest.

        Happiness of an ancient name for China plans to announced omnibus risk to dissolve plan this year in July formerly, but still do not have further information up to now.

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