In recent years, the trust industry has developed very rapidly, and has already surpassed the insurance industry to become the second largest financial industry. In other words, trust wealth management products are the nobility of all wealth management products. So what are the advantages and characteristics of trust?

what are the advantages of trust?

1. Separation of ownership and rights and interests. That is, the trustee enjoys the ownership of the trust property, and the beneficiary enjoys the benefits generated by the trustee's operation of the trust property.

2. Independence of trust property. After the trust is established, the trust property is separated from the self-owned property of the trustor, trustee and beneficiary and becomes independent property. Once the client delivers the property to the trust, he will lose the ownership of the property. Although the trustee has obtained the ownership of the trust property, he has only formal and nominal ownership because he cannot enjoy the trust benefits. Although the beneficiary enjoys the right to benefit, it is mainly a claim for trust interests. During the existence of the trust, the ownership of the trust property shall not be exercised. Even after the termination of the trust, the trustee can attribute the trustor of the trust property to himself or a third party through the terms of the trust.

characteristics of trust

the main selling points of trust wealth management products are high income and good stability. generally, trust wealth management products are infrastructure with excellent qualifications and stable income, high-quality real estate, equity pledge of listed companies and other trust plans. Most of them are guaranteed by large third-party powerful enterprises (real estate will also add real estate and real estate as collateral), and their security is much higher than that of general floating income financial products.

classification of trusts

1. According to the criteria for the establishment of trust relationships, trust business can basically be divided into arbitrary trusts and statutory trusts.

2. According to the nature of trust property, trust business can be divided into monetary trust, chattel trust, real estate trust, securities trust and monetary creditor's rights trust.

3. According to the purpose of trust, trust can be divided into guarantee trust, management trust and handling trust.

4. According to the legal status of trust matters, trust can be divided into civil trust and commercial trust.

5. According to different clients, trusts can be divided into individual trusts, corporate trusts and individual corporate trusts.

6. Trust can be divided into commercial trust and non-commercial trust according to the trustee's purpose of engaging in trust business.

7. From the beneficiary's point of view, trusts can be divided into four categories: self-interest trusts, other interest trusts, private interest trusts and public trust.

8. According to the geographical area involved, trusts can be divided into domestic trusts and international trusts.

the difference between trust and fund

trust refers to the act that the trustor entrusts his property rights to the trustee based on his trust in the trustee, and the trustee manages and disposes in his own name for the benefit of the beneficiary or for a specific purpose according to the wishes of the trustor. Trust is not only a financial management method, but also a special property management system and legal behavior, and it is also a financial system. A fund refers to a certain amount of funds set up for a specific purpose. It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations.