Because China is a separate business system, commercial banks can only do savings, loans and other businesses, and cannot obtain the trust license of the CBRC, so they cannot issue trust, securities investment and other products. At present, commercial banks often cooperate with trust and securities fund companies, commonly known as "bank-trust cooperation" and "consignment fund". They use their own network advantages and customer resources (banks have many outlets and customers, which are unmatched by other financial institutions) to sell investment products as agents and collect fees and commissions from them.

Therefore, commercial banks can sell trusts on a commission basis. The contract is signed by you and the trust company, and the commercial bank only acts as an intermediary. At the same time, commercial banks can also do the fund custody business of trust companies. For the purpose of supervision, the CBRC requires that each trust project should have a custodian bank, and the raised funds should be deposited in a bank account. Funds can only be used for trust projects to prevent misappropriation or change of use and reduce customer risks.

Therefore, commercial banks can only participate in trust business by hosting trust project funds or selling trust products as agents, and cannot issue them directly. But now commercial banks often set up a trust company with an independent legal person, obtain a trust license, and issue trusts with their own trust companies, which changes the issuer. In fact, it is the trust companies controlled by commercial banks that are issuing rather than the commercial banks themselves that are doing trust business.