This distinction is particularly important from the point of view and from the technical-economic.

The trust, or confidence, it is defined as the commitment made by the bank to make a sum available to the client, to assume or guarantee on behalf of an obligation.

All transactions, except for jobs in securities and property, and all the credit operations of signature created by a trust, since such transactions involving always the valuation of assets that can be cautiously attributed to the client, ie risk that can be taken against him.

The trust is therefore a preliminary agreement with other bank loan contracts (discounts, advances, acceptances, letters of credit on current account, carry-overs, etc.).

The conditions of this Agreement relate to the manner in which the recipient client can use the credit made available by the bank.

The total amount of exposure is always determined as the bank clearly can not give the customer the option set to suit the volume of credit of which he needs.

This maximum can however be used in different ways: at one time and in full, or gradually within a time limit prescribed or indeterminate.

Furthermore, the same exposure may create one or more loans and in the latter case, the uses are many and often diverse in terms of technical architecture that characterizes the individual lending.

The calusole that qualify the exposures are very different and more or less specific depending on the type of relationship between the bank of issue and the beneficiary.

The exposure in other words takes the form of a promise under which the bank undertakes to provide a credit score. The object of the character has not always monetary. It happens often enough that the bank is obliged to sign a bond on behalf of the client (Credit Acceptance) or guarantee (guarantee credit or guarantee).

In its legal case for the exposure can be treated to the opening of bank credit, defined and governed by Articles 1842-1845 of the Civil Code.

The exposure differs substantially from the bank loan on the grounds that it represents the essential prerequisite. The loans are granted only on the basis of a loan previously granted when an individual or a business requires funding to the bank, it proceeds to evaluate accurately the risks it entails and, accordingly, the exposure that can be awarded to the customer.

It is therefore evident that the disbursement of the loan belongs to a logical time after exposure.

The customer is not always possible to distinguish these two phases from trading because the bank often simply make the request of credit (rebate, anticipation, etc…), Not on the level of trust assigned globally.