The difference between trust loan and entrusted loan

First, the nature is different.

1. In the entrusted loan business, the trustee has the right to transfer the entrusted property.

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 principal and the trustee sign an agreement, and the principal, the trustee and the borrower sign an agreement, while the parties to the trust loan contract only have the principal and the trustee.

Three, determine the content 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 is independent of the trust contract, and the specific content of the loan contract is decided by the trustee.

Four. Responsibility and risk

1. In entrusted loans, the borrower has the obligation to repay the principal directly. In a loan trust loan contract, the borrower is a third party outside the contract and does not directly repay the principal.

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.