金融法（双语）第四章_信托法律制度教材教学课件.pptxVIP

第四章 信托法律制度一、信托概述二、信托组织机构第四章 信托法律制度一、信托概述1. 中国信托概述法律依据：《中国人民共和国信托法》定义：信托是指委托人基于对受托人的信任，将其财产权委托给受托人，由受托人按委托人的意愿以自己的名义，为受益人的利益或者特定目的，进行管理或者处分的行为。要件：（一）信托当事人，包括委托人、受托人和受益人； （二）信托目的，即将财产委托给受托人进行管理或处分的合法目的； （三）信托财产，即委托人合法所有的交付给受托人进行管理或处分的确定的财产（包括财产权利，如债权）； （四）信托文件，即说明信托关系的文字依据，包括信托合同、遗嘱或者法律、行政法规规定的其他书面文件等。第四章 信托法律制度一、信托概述1. 中国信托概述类型：公益信托、民事信托和营业信托。 公益信托：为公共利益目的而设立的信托。 民事信托：信托事项所涉及的法律依据在民事法律范围之内的信托。 营业信托：以营利为目的，委托营业性的信托机构实施商事行为的 信托。第四章 信托法律制度一、信托概述2. 美国信托概述Position: The USA is not the country where the trusteeship originated in , but the trusteeship of it is most-developed.Definition: Trust refers to a kind of faith obligations relation associated with property expect resulting trust and constructive trust, resulting from the express intent to establish this kind of faith obligation relations. In this relationship , the people who hold the ownership of the property assume the obligation of disposing the property for the benefit of charity, one or more people.Three elements: the trustee the beneficiary the trust property(the core)第四章 信托法律制度一、信托概述2. 美国信托概述Classification: (1)express trust , resulting trust, constructive trust (2)charity trust , private trust (3)trust of institution, private trustFranchising industry: the governments have the trust power. The instrument of trust investment : MMMF , CMA, MTF, CD, CP, TBBasis: there is no unified law and all rules are in federal bank law or bank regulations of states. Besides, the Repeat of Trust Law also is an important basis.第四章 信托法律制度一、信托概述3. 案例American Trust Co., Inc. v. South Carolina State Bd. of Bank ControlFact- NCNB Corporation formed American Trust Company, to transact trust business in South Carolina. NCNB was required by federal law to obtain the approval of the Board of Governors of the Federal Reserve System. Despite opposition from South Carolina banking interests, the Board of Governors concluded that it would be in the public interest for NCNB to engage in the trust business in So