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银信合作是指银行与信托公司签订合作协议,开展理财合作、信贷资产证券化合作及其他业务合作的行为。银信合作的出现,是为了实现银行与信托公司两类金融机构进行优势互补、功能对接,也顺应了自2005年以来我国金融业呈现的“分业监管、混业经营”的态势。
Bank trust cooperation refers to the bank and the trust company signed a cooperation agreement to carry out financial cooperation, credit asset securitization cooperation and other business cooperation behavior. The emergence of Bank-Trust cooperation is to bring about two complementary advantages and functional matching between banks and trust companies. It also conforms to the situation of “separation regulation and mixed operation” in China’s financial industry since 2005.