It can be distinguished from the following five aspects:
1, in terms of security.
Trust products are safer and less risky than funds.
2. Investment channels
The investment scope of trust products is quite wide, which can not only invest in financial products such as securities, but also invest in industry. At present, the investment scope of securities investment funds is mostly stocks and bonds, but it also includes other investment channels.
3. Regulatory aspects
The raising of securities investment funds must be approved by the China Securities Regulatory Commission and subject to the supervision of the China Securities Regulatory Commission and its dispatched offices. However, the collection of the trust plan of securities investment pool funds does not need the approval of the CBRC, but it needs to fulfill its reporting obligations according to law and accept the supervision of the banking supervision department in its operation.
Extended data
The main types of trust
(1) Arbitrary trust
A trust established according to the free will of the parties is called an arbitrary trust, also known as a free trust or an express trust. It mainly means that the trustor, trustee and beneficiary form a trust relationship freely and voluntarily, and this free will is clearly manifested in trust deed, and most trust businesses belong to arbitrary trust.
(2) Statutory trust
Statutory trust is a form of trust corresponding to arbitrary trust. Mainly refers to the trust established by judicial organs to determine the trust relationship between the parties. In other words, there is no intention to establish a trust between the parties to the trust. For the benefit of the parties, the judicial organs determine the relationship between the parties as a trust relationship according to the actual situation and legal provisions, and the parties must obey the judgment of the judicial organs no matter how they express their wishes.
The purpose of establishing a statutory trust is mainly to protect the legitimate interests of the parties and prevent the property of the parties from being illegally used. For example, after someone dies, they leave a legacy, but they don't leave any last words on the disposal of the legacy. At this time, the distribution of inheritance can only be judged by the court. In other words, the court will decide the distribution of the estate according to the law.
The court should do a series of preparatory work for this, such as court investigation and so on. During the court investigation, the legacy cannot be left unattended. At this time, the judicial organ may entrust the trustee to manage the estate and properly protect it during this period.
reference data
Baidu encyclopedia _ trust
Baidu encyclopedia _ fund