Spread out completely

Of course, the trust can directly lend to the enterprise or entrust the bank to lend to the enterprise, but there is no need for multiple loan entrustment procedures.

Second, why don't banks issue loans directly but through trusts?

Banks do not issue loans directly, but through trusts. The main reasons are as follows:

1. If an enterprise applies for a loan in a bank, the bank will conduct a strict credit review of the enterprise and evaluate its assets, liabilities and cash flow. If the enterprise's finance is not up to standard, it is difficult to successfully apply for a loan in the bank. If you pass the trust company, the audit will be slightly relaxed;

2. Trust companies are usually more efficient than banks;

3. Sometimes enterprises need more financing methods. For example, if the enterprise's credit line in the bank has been used up and still cannot meet the financing needs of funds, then it needs to raise funds through other channels, and trust companies are one of them.

Third, can trust companies issue loans directly?

Trust companies can directly issue loans to securities companies, but the loans provided by trust companies to others shall not exceed 30% of the paid-in balance of all trust plans managed by them. 1. The basic function of the trust is the property management function. Reflected in: ① the universality of management content: all property, intangible assets and tangible assets; Natural persons, legal persons, other legally established organizations and countries. ② Specificity of management purpose: for the benefit of beneficiaries. (3) Responsibility for management behavior: As long as it conforms to the provisions of the trust contract, the trustee will not bear any responsibility for losses; If losses are caused by the gross negligence of the trustee in violation of these regulations, the trustee shall be liable for compensation. (4) Limitation of management mode: The trustee can only manage and dispose of the trust property according to the purpose of the trust, and cannot use the trust property at will according to his own needs. 2. Derivative functions of trust: ① The financial function is financing. Trust property mostly exists in the form of money. At the same time, in order to preserve and increase the value of trust property, trust and investment companies must derive financial functions. ② The function of communicating and coordinating economic relations. Namely, agency and consultation. Trust business has multilateral economic relations, and the trustee, as the intermediary between the principal and the beneficiary, is the natural bridge and link of horizontal economic ties. We can establish interactive relations with all commercial parties, provide reliable economic information and find investment places for customers' property, thus strengthening economic ties and communication. Including: witness, guarantee, agency, consultation and supervision functions. ③ Social investment function. Refers to the trustee's function of participating in social investment activities with the help of trust business, which is embodied in trust investment business and securities investment business. (4) the function of serving social welfare undertakings. Refers to the trust industry can serve the clients who donate or fund social welfare undertakings to achieve their specific purposes and functions. 3. The role of trust: the role of trust is the result of trust, including: ① the role of managing money for others, which broadens the investment channels of investors. Its characteristics are: first, economies of scale, scattered funds are cleverly collected by trusts and used by professional investment institutions for various financial instruments or industrial investments to realize asset appreciation; The second is expert management. The management of trust property is managed by experts in related industries. They have rich investment experience in the industry, master advanced financial management technology, and are good at capturing market opportunities, which provides an important guarantee for the appreciation of trust property. (2) Gathering funds to serve the economy: Because the trust system can effectively maintain and manage the owners' funds and property, it has a strong ability to raise funds, creating a good financing environment for enterprises to raise funds, and more importantly, it can transform savings funds into production funds, which can effectively support the economy. ③ Function of avoiding and dispersing risks: Due to the independence of the trust property, the trust property has no legal defects when establishing a trust, and can resist the litigation of a third party during the trust period to ensure that the trust property is not infringed, thus making the trust system have the function of avoiding risks that other economic systems do not have. ④ Promoting the development and perfection of the financial system: China's financial market has always been dominated by bank credit, which has institutional and structural defects and cannot meet the needs of society for property management and flexible financial services, while the trust system can meet these needs to the greatest extent with its unique advantages. ⑤ Develop social welfare undertakings and improve the role of social security system: The establishment of various charitable trusts can support the development of science and technology, education, culture, sports, health and charity in China. ⑥ Trust system is conducive to the construction of social credit system: the establishment of credit system is the basis of market rules, and credit is the cornerstone of trust. As an economic system, trust is inseparable from the support of the principle of good faith. The return of trust system not only promotes the development of financial industry, but also plays a positive role in the construction of the whole social credit system.

4. Can trust companies issue loans directly to securities companies? Or through the interbank lending market? What is the basis?

Trust companies can directly issue loans to securities companies, but the loans provided by trust companies to others shall not exceed 30% of the paid-in balance of all trust plans managed by them.

1. The basis of trust

This is a property management function. Reflected in:

① extensiveness of management contents: natural persons, legal persons, other legally established organizations and countries.

2 interest.

③ Responsibility for management behavior: In case of loss, the trustee shall be liable for compensation as long as it is caused by the trustee's gross negligence as stipulated in the trust contract.

(4) Limitation of management mode: The trustee can only manage and dispose of the trust property according to the purpose of the trust, and cannot use the trust property at will according to his own needs.

2. Derivative functions of trust:

(1) The financial function is financing. Trust property mostly exists in the form of money. At the same time, in order to preserve and increase the value of trust property, trust and investment companies must derive financial functions.

(2) consultation. Trust business has multilateral economic relations, and the trustee plays a role as a bridge and link between the client and the natural horizontal economic ties. We can establish interactive relations with all business parties, provide reliable economic information, find investment places for customers' property and communicate with them. Including: witness, guarantee, agency, consultation and supervision functions.

③ Social investment function. Refers to the trustee's function of participating in social investment activities with the help of trust business, which reflects the investment business.

(4) the function of serving social welfare undertakings. Refers to the function that the trust industry can set the purpose for the clients who donate or fund social welfare undertakings.

3. Work of the Trust Fund

The function of trust is the function of trust.

(1) The role of financial management on behalf of customers broadens investors' investment channels.

Its characteristics are: first, economies of scale. Trust applies scattered professional investment institutions to various financial instruments or industrial investments, and the management of trust property is managed by experts in related industries. They have rich industry investment and financial technology, and are good at capturing market opportunities, which provides an important guarantee for the appreciation of trust property.

(2) Gathering funds to serve the economy:

Because the trust system can effectively maintain and manage the owner's funds and property, it has a strong financing environment, and more importantly, it can support the economy with savings funds.

(3) the role of avoiding and dispersing risks:

Because the trust property has no legal defects when establishing a trust, it ensures that the trust property will not be infringed during the trust period, thus making the trust system have the risk avoidance function that other economic systems do not have.

④ Promoting the development and perfection of the financial system;

China's banks mainly rely on credit, which has institutional and structural defects and cannot meet the social demand for property management and flexible financial services, while the trust system has certain needs.

⑤ Develop social welfare undertakings and improve the role of social security system;

The establishment of various charitable trusts can support the development of science and technology, education, culture, sports, health and charity in China.

⑥ Trust system is beneficial to the construction of social credit system;

The establishment of credit system is the basis of market rules, and credit is the cornerstone of trust. As an economic system, trust is inseparable from the support of the principle of good faith. The return of the trust system not only promoted the development of the financial industry, but also played a positive role in the construction of the whole social credit system.