银行理财产品和信托产品收益有何差距？

Group 1 - The core viewpoint of the articles is to compare and contrast bank wealth management products and trust products, highlighting their differences in returns, risk profiles, and investment structures [1][2][3]. Group 2 - Bank wealth management products are designed and sold by commercial banks to specific target customer groups, with returns influenced by various factors such as market interest rates and credit ratings of bonds [1]. - Trust products involve entrusting assets to a trustee who manages them for the benefit of the beneficiaries, with a wide range of investment areas including infrastructure, real estate, and corporate financing [2]. - The yield structure of bank wealth management products varies significantly by term, with short-term products typically offering lower returns to meet liquidity needs, while medium to long-term products provide higher returns to attract long-term investments [3]. - Trust products generally have longer terms, often exceeding one year, with some large project trusts lasting three to five years, which compensates for the longer capital lock-in period with higher yields [3]. - Bank wealth management products have a more robust regulatory framework for investor protection, ensuring that products are graded according to the risk tolerance of investors [3]. - Trust products, while also having strict project selection and risk control processes, face greater yield volatility due to the complexity and high-risk nature of their investment areas [3].