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.

Second, whether trust products can be loaned.

Generally not, because many trust products are not guaranteed, and the collateral accepted by banks is either recognized by banks or issued by banks.

Three. Can trust products be loaned?

Loan conditions of mortgage loan:

Have a legal status;

Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record;

There is a legal and effective purchase contract;

If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid;

If the mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;

Being able to provide effective guarantee recognized by the loan bank;

Other conditions stipulated by the lending bank.

4. Can personal trust products be pledged to bank loans?

Look at your personal conditions! Different loan products need different application materials. Personal information generally needed for loans, such as identity certificate, work certificate, residence certificate, etc. ; Enterprise loan application materials, such as business license, financial statements, loan cards, etc. Financial proof of mortgage loans such as real estate and automobiles; Credit loan, such as income certificate, bank card statement, etc. The specific materials you need to provide depend on the type of loan you apply for and the lending institution we match for you.