1 Broadly speaking, the cooperation between banks and trust companies can be divided into banking service cooperation such as bank-trust financial cooperation, bank asset securitization, providing agency, custody and consulting for trust. At present, the most extensive cooperation between banks and enterprises is financial management.

Bank-trust wealth management cooperation business refers to the trust business in which the company accepts the entrustment of funds under the bank wealth management plan and manages, uses and disposes according to the agreement in the trust documents, including the trust business in which bank wealth management funds are directly delivered to the trust company for management and the trust beneficiary right business in which bank wealth management funds are indirectly transferred.

2. Classification can be divided into three categories: investment category, financing category and portfolio category.

A. Investment category: including equity investment, bill investment, bond investment, securities investment, financial derivatives investment and structured products. Entrusted by wealth management funds, trust companies invest in the above areas through management, which is not particularly different from ordinary funds.

B financing: including trust loans and transfer of credit assets. What could have been transferred to bill assets is now prohibited. However, it is still possible to carry out financing business with unexpired bills as the pledge target.

C. The combination class is the combination of one or more of the above.

The most common and extensive category is financing. Because trust is the only financial institution with legal lending qualification except banks, its position in the loan business is the same as that of banks.

3. There are two main motives for banks to carry out financing cooperation between banks and enterprises:

First, at present, due to the restrictions of RRR, loan-to-deposit ratio and window guidance, many loans may not be released, or loans that have been released are expected to be transferred as soon as possible. Therefore, the trust company can cooperate to transfer the creditor's rights to the trust company, or directly introduce them to the trust company for issuance.

Second, wealth management funds cannot be directly transferred to the bank's credit assets, which is explicitly prohibited. Banks need to provide stable products to wealth management customers and maintain customer relationships. Through the cooperation between banks and trusts, credit assets are transferred by trusts and then sold back by banks to meet the needs of wealth management customers.