1. Advantages of trust financial management As one of the four pillars of the financial industry, the trust industry has its unique advantages in personal financial management compared with banks, insurance, securities and funds, and compared with individual personal financial management alone.

(1) The ownership, management rights and beneficiary rights of trust property are separated. Trust investment companies can tailor-make trust products according to customers' preferences and characteristics, and meet the client's requirements to the greatest extent through expert financial management.

The beneficiary of a trust product can be oneself (self-benefit trust), others (other-benefit trust), or the public (public benefit trust). This is something unique to trust products.

This kind of flexibility in investment methods and products is what brokerages, banks and fund companies lack.

Compared with personal financial management alone, expert financial management saves time and worry, with low risks and high returns.

Personal funds pooled through trusts are operated by professionals, who can make portfolio investments based on their professional knowledge and experience, thereby avoiding the blindness of personal investment and achieving the purpose of reducing investment risks and increasing investment returns.

(2) Trust property is legally independent. Once people's property passes through a legal trust form, it is not subject to recourse by the trustor, trustee (trust investment company) and beneficiary's debtors.

Even if a trust investment company goes bankrupt, the trust property can be completely handed over to other trust investment companies for continued management.

Therefore, the independence and security of the trust property are legally protected to the greatest extent.

(3) Diversification of investment fields. According to the characteristics of trusts, trust investment companies are currently the only financial institutions allowed to invest in the capital market, money market and industrial fields at the same time.

Diversification of investment fields can effectively reduce investment risks to a certain extent and maximize investors' returns.

2. The institutional advantages of trust Compared with similar legal systems, trust is a more effective institutional design for property transfer and management. Its advantages are mainly reflected in the following three aspects: (1) The trust system is beneficial to

Long-term planning provides continuity for the trust’s existence.

A trust does not terminate due to the death, dissolution, bankruptcy, resignation, dismissal or other circumstances of the trustee. It has a certain degree of stability and long-term nature, and is therefore more suitable for long-term planning of property transfer and property management.

(2) The application of the trust system is relatively flexible, which is reflected in the following aspects: Trust property is diversified. Anything with monetary value, whether it is movable or immovable property, property rights or creditor's rights, tangible or intangible, can be used as a trust

Property is established as a trust; the purpose of the trust is liberalized. As long as it does not violate the mandatory provisions of the law and public order, the trustor can create trusts for various purposes; the application fields of trusts are very wide, and there are many types of trusts.

(3) The interests of the beneficiaries can be effectively protected. On the one hand, the ownership of the trust property and the beneficial rights are separated.

Legally, the trust property is placed in the name of the trustee.

The trustee enjoys the property rights in the trust property in accordance with the law and trust documents, and has the right to manage, use and dispose of the trust property in his own name.

The settlor and the beneficiary have no right to manage and dispose of the trust property, but the benefits generated by the trust belong to the beneficiary.

On the other hand, trust property is independent, which makes the trust property immune from the recourse of creditors of the settlor or trustee, thereby giving the beneficiary rights to the trust property that have priority over the creditors of the settlor or trustee.

Finally, according to relevant laws and regulations, trusts have the function of confidentiality.