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金融信托与银行信贷、保险并称现代金融业的三大支柱.与专业银行不同,特区商业银行如深圳发展银行、招商银行、交通银行、光大银行等,囿于国家金融改革等限制性因素,均未成立相对独立的信托投资公司,但一般都设有信托投资部,成为特区金融信托业务的重要组成部分.作为适应市场经济的银行组织形式,商业银行将在我国金融体系中占据愈益重要的地位,信托业务的大力拓展对商业银行的总体经营目标的实现具有重大意义.一、拓展个人信托,发挥信托业务特色信托业务的产生是因为委托人或受益人拥有相当闲置财产,而又不具备经营知识、技能或时间,为了使自己的金融资
Financial trust and bank credit, insurance and the modern financial industry, said the three pillars.Unlike professional banks, the SAR commercial banks such as Shenzhen Development Bank, China Merchants Bank, Bank of Communications, China Everbright Bank, etc., due to the national financial reform and other restrictive factors, Have not set up relatively independent trust and investment companies, but in general they all have trust and investment departments and become an important part of the financial trust business of the SEZs. As a banking organization adapted to a market economy, commercial banks will occupy an increasingly important position in our financial system Status, the tremendous expansion of the trust business for the realization of the overall business objectives of commercial banks is of great significance.First, to develop personal trust, to play a trust business characteristics of the trust business is generated because the principal or beneficiary have quite idle property, but do not have Business knowledge, skills or time, in order to make their own financial capital