Trust and bank credit are both credit methods, but there are many differences between them.

1, differences in economic relations

Trust is to finance and manage property according to the business purpose of "entrusted by people and managing money on behalf of others", which involves the principal, the trustee and the beneficiary, and its trust behavior embodies the multilateral credit relationship. As a "credit intermediary", bank credit is a bilateral credit relationship among banks, depositors and lenders.

2. Differences between actors

The principal is the main body of trust business. In the act of trust, the trustee shall conduct business according to the intention of the trustor and serve the beneficiaries. In the whole process, the client takes the initiative and the trustee passively performs the trust deed, which is restricted by the client's intention. The main body of bank credit is the bank, which issues loans and operates independently, and its behavior is neither restricted by the will of depositors nor forced by the will of borrowers.

3, bear the difference between the crisis

Trust generally operates and manages the trust property according to the intention of the trustor, and the operation crisis of the trust is generally borne by the trustor or beneficiary.