At present, the most widely carried out cooperation is the financial management cooperation between banks and trust companies.

The bank-trust financial management cooperation business refers to the trust business in which the company accepts the entrustment of funds under the bank's financial management plan, acts as the trustee, and manages, uses and disposes of it in accordance with the provisions of the trust document, including the direct delivery of bank financial management funds. The trust business managed by trust companies and the business of indirectly accepting trust beneficiary rights of bank financial management funds.

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

Investment categories: including equity investment, bill investment, bond investment, securities investment, financial derivatives investment and structured products, etc. Trust companies accept the entrustment of financial management funds and invest them in the above areas through management. There is no particular essential difference from ordinary funds.

Financing: including trust loans, transfer of credit assets, etc. It was originally possible to transfer bill assets, but now it is prohibited. However, financing business using unexpired bills as pledge targets can still be carried out.

A combination class is a combination of one or more of the above.

The most common and widespread type is financing. Because the trust is the only financial institution other than banks that has legal lending qualifications, its status in the loan business is the same as that of banks.

There are two main motivations for banks to carry out financing-type bank-trust cooperation: First, due to current restrictions on deposit requirements, loan-to-deposit ratios, window guidance, etc., banks may not necessarily be able to lend many loans, or The loan is also expected to be transferred as soon as possible, so the trust company can cooperate to transfer the creditor's rights to the trust company, or directly introduce it to the trust company for the loan.

Second, financial management funds cannot directly transfer bank credit assets, which is prohibited by express regulations. Banks need to continuously provide stable products to financial customers to maintain customer relationships. Through bank-trust cooperation, the trust receives the credit assets and then obtains them from the bank to sell them back to meet the needs of financial customers.