Deposits received by financial trust institutions on a trust basis.

The main sources of funds for trust deposits are: trust funds entrusted by the financial department for investment or loans; trust funds entrusted by the enterprise authorities for investment or loans; labor insurance funds of labor insurance institutions; scientific research funds of scientific research units; funds of various societies and foundations

; Individual funds with specific purposes.

Trust deposits are basically fixed-term, usually for more than one year.

Trust deposits are funds that trust institutions absorb and manage on their behalf for specific purposes in accordance with the requirements of the trustor. They are an important source of funds for trust institutions to operate their businesses.

Compared with ordinary bank deposits, trust deposits have the characteristics of longer deposit period, larger amount, higher interest rate, certain restrictions on use, and the inability to withdraw the principal at will.

According to different purposes, trust deposits include entrusted loan deposits, entrusted investment deposits, unit trust deposits, public welfare fund trust deposits, labor insurance fund trust deposits, individual special trust deposits, etc.

The interest rate of trust deposits consists of two parts: (1) The agreed principal and value preservation interest rate.

This part of the interest rate is the same as the fixed interest rate of bank deposits, and is paid by the financial trust department in accordance with regulations; (2) Dividends.

This is paid by the financial trust department after the final accounts of the fiscal year based on the actual use of trust funds of each unit.

The sum of the two interests on trust deposits is generally higher than the bank's regular interest over the same period.