禁止信托产品保本保息！金融监管总局征求意见

Core Viewpoint - The Financial Regulatory Bureau has released a draft for public consultation regarding the "Asset Management Trust Management Measures," aimed at reforming the trust industry and enhancing risk prevention [1][2]. Group 1: Regulatory Framework - The draft consists of 5 chapters and 85 articles, covering general principles, establishment, modification, termination of trust products, operational management, supervision, and supplementary provisions [1]. - Trust companies, as trustees, manage trust product assets without constituting liabilities to investors, and these assets do not belong to the trust companies' proprietary assets [1][2]. Group 2: Responsibilities and Restrictions - Trust companies must fulfill their duties with diligence, honesty, and effective management to serve the maximum legal interests of investors [2]. - Trust companies are prohibited from promising investors against losses of principal or minimum returns, setting expected yield rates, or engaging in private equity business under the guise of trust products [2]. - Trust companies must adhere to the principles of market and fair trading, avoiding illegal profit transfers between different trusts or between trusts and third parties [2].