This is a family trust. The three main parties of a trust are the principal, the trustee and the beneficiary. The trustee is a trust company. The trustor is the person who takes out property or assets to set up a trust, and the beneficiary is the person who pays dividends to the trust property during the termination and existence of the trust. In all countries with trusts, there are two key points that are consistent, namely, the trustor and the beneficiary cannot be the same person, the trust property is independent of the property owned by the three parties, the trustor enjoys the management right, and the beneficiary enjoys the benefit right. Generally speaking, the two situations you mentioned above are both legacy trusts or educational trusts established by parents for their children, which belong to a kind of family trust. Their purpose is to prepare funds for children's future education or livelihood or entrepreneurship. According to the law, during the normal trust period, no one may move it or take it as his private property. When it expires, it belongs to the beneficiary. Before its expiration, even if the principal or beneficiary has gone bankrupt, this part of the property cannot be liquidated as personal property. Simply put, it is a small vault protected by law. If the client and beneficiary are the same person, it is equivalent to preparing a fund for a comeback. Your second example, a father borrowing money from his son's trust fund, is also feasible. Because the money in the trust must be invested under the management of the trustee, that is, the trust company, otherwise it is impossible to maintain and increase the value of the trust property. With the consent of the beneficiary, the trustee also recognizes that the trust property can be invested in a specific field or enterprise, which is generally stipulated in the initial trust contract.