The difference between bank loans and trusts
First, bank loans are very standardized products, and the interest rate elasticity is relatively small. Trust, on the other hand, can be treated differently and priced flexibly, which can meet the individual needs of customers.
Second, when a trust company issues a loan, it is generally agreed with the lender to control the official seal and restrict major business activities, so as to grasp the financial and operating conditions of the enterprise in real time, which is impossible for a bank loan. Bank loans can only evaluate the solvency and risk of enterprises from the aspects of financial indicators and management indicators, but it does not affect the operation and management of enterprises.
Third, the trust relies on the company's direct investment function, and its loans and investments are combined and transformed with each other, making maximum use of the relying funds and striving to achieve the maximum balance between income and risk.
Compared with bank loans, trust has the advantages of flexibility and individuality, but it has a certain threshold.
What kinds of trust products are there?
Loan trust, loan trust refers to the trust way of absorbing funds and issuing loans through trust. There are a large number of such trust products. As a traditional business, loan has a relatively simple business process and mature risk control means. It is logical for trust companies to choose this way to enter the market and establish a brand in the early stage of the exhibition industry. Investing in the form of loans makes this kind of trust products have the following characteristics in terms of income risk: First, the project income is capped. The income comes from the loan interest, and the relevant interest rate standards of the People's Bank of China are implemented. This means that the customer's income ceiling is the loan interest rate, and he is faced with the management fee of the trust company, which may be deducted. Different ways of drawing management fees mean different degrees of income deduction, which directly affects investors' income. Secondly, although trust companies have chosen relevant projects for loans according to their own professional skills, they can only rely on trust in trust companies because of asymmetric information. However, after the reorganization of trust companies, their own credit mechanism has not been established, and the credit risk of loans must be controlled through external mechanisms. Therefore, the risk control of trust is very important for investors. First of all, we must understand and judge whether to invest in it. Equity trust is a kind of trust product, which raises funds by setting up a trust for the rights that can bring cash flow. Its outstanding advantage is to realize the realization of intangible assets of the company, so as to speed up the capital turnover of the company to which the equity belongs and realize the replacement of different growth assets, which is conducive to the company to grasp favorable investment opportunities, quickly intervene and maximize the company's value. Financial leasing trust, the trust company raises trust funds by setting up a trust plan and applies them to financial leasing business. Through strict professional and procedural management, we will collect rent regularly to realize trust income and provide safe and stable financial returns for social investors. Real estate trust, land and various building facilities on or underground are collectively called real estate. At present, many enterprises generally invest in real estate development. For more information, please consult Shanghai Maoyu Investment Consulting Co., Ltd., thank you!
What's the difference between trust loans and entrusted loans?
The difference between trust loan and entrusted loan
First, the nature is different.
1. In the entrusted loan business, the trustee has the nature of property management, and mainly transfers the entrusted property according to the instructions of the principal.
2. In the trust loan business, the trustee invests for the client through the loan business similar to the bank.
Second, the form is different.
1. The entrusted loan contract shall be signed by the principal, the trustee and the borrower, or by the principal, the trustee and the borrower respectively.
2. Only the trustor and the trustee sign an agreement in the trust loan contract. The parties to a trust loan contract must have the principal, the trustee and the borrower, while the parties to a trust loan contract only have the principal and the trustee.
Three, determine the contents of the loan contract is different.
1. In the entrusted loan contract, the contents of the loan contract (including the borrower, loan term, loan interest rate, etc.). ) shall be designated by the principal.
2. In the trust loan contract, the principal rarely interferes with the loan contract, which is independent of the trust contract, and the specific content of the loan contract is decided by the trustee.
Fourth, responsibilities and risks are different.
1. In the entrusted loan, the borrower has the obligation to repay the loan directly to the principal, and the loan risk is borne by the principal; In a trust loan contract, the borrower is a third party outside the contract and has no obligation to repay the principal directly.
2. The trust institution shall be responsible for the capital safety of the trust loan, and the risk shall be borne by the trust institution.