Bank trust generally refers to the cooperation between banks and trust institutions. This kind of cooperation is caused by the policy of restricting the lending quota of commercial banks in order to bypass the central bank and prevent the economy from overheating. At this time, they will use the way of cooperation with the trust to issue loans through trust companies. This way is equivalent to curve to provide loans for enterprises.

The main forms of bank-credit cooperation are guarantee, interbank lending and credit granting; Custody trust account; Sign strategic cooperation agreements, etc. The essence of fund trust is private equity fund. According to the fund custody method, the trust company is the trust fund manager and the bank is the custodian, and a trust account custody agreement is signed to manage the trust plan.

Trust institutions refer to the entrusted trust and investment business, but trust institutions are generally established only in large and medium-sized cities, and certain conditions must be met when they are established, such as qualified trust business personnel and complete articles of association; Statutory minimum paid-in capital.

It should be noted that there are certain differences between trust loans and bank loans. For example, trust loans and investments have the characteristics of transformation; When a trust company issues a trust loan, it often agrees with the borrower to control the official seal of the enterprise and restrain major business activities such as guarantee, loan, asset disposal and related party transactions, so as to grasp the business and financial status of the enterprise in real time.