Trust and bank credit is a kind of credit, but both of them are different.
1, economic relations are different
The trust is in accordance with “ however, generation of financial ” business purposes to financing, property management, involving the trustor, trustee and beneficiary three parties, embodies the trust behavior is multilateral credit relationship. The bank credit is as “ credit intermediary ” to raise and regulate the supply and demand of funds, the bank and the depositors, the relationship between the lender and the lender of the bilateral credit.
2, the behavior of different subjects
The principal of trust business is principal. In the act of trust, the trustee shall conduct business in accordance with the client's intention, in favor of service, the whole process, the client had accounted for the initiative, passive trustee to fulfill the trust contract, restricted by the principal intention. The behavior of bank credit bank, bank loans are operating independently, and their behavior is not restricted by the depositor will insist, nor by the borrower will.
3, bear the risk of different
According to the client's intention of the trust management of the trust property trust business, the business risk is generally borne by the trustor or beneficiary, the trust and investment companies only charge fees and commissions, the trust does not guarantee against loss of principal and minimum income. While the bank credit is based on the provisions of the national interest rate of deposits and loans, so banks operate independently, assume the credit operating risk, as long as no bankruptcy, to protect the interest of deposit and payment schedule.
4, different ways of liquidation
Bank bankruptcy, deposit and loan as bankruptcy liquidation property unified in liquidation; and the trust and investment company is terminated, the trust property does not belong to the liquidation, by the new trustee to undertake management, protection of the trust property against loss.