贷款信托是以贷款方式运用信托资金，是资金信托的主要运用形式。贷款信托以实际获利、分红为原则，不允许受托人承诺保证信托资金的本金和最低收益，是一种带有变动利息的金融产品。贷款信托的利息水准上下浮动，一般受投资项目的资金需求影响，在基建项目或其它适于作信托计划的企业的资金需求大量增加时，信托资金贷放款额就高。不过，金融机构从事贷款业务都要遵从中国人民银行的《贷款通则》，贷款的利率区间中国人民银行作了统一规定，从这个角度来看，信托资金贷款的收益可以作大概估计。
农民贷款信托公司 Farmers' Loan and Trust Company
住宅贷款信托债券 [金融] trust of housing loan bonds
信托贷款 Trust loans ; Credit Loans
住宅抵押贷款债权信托 Residential Mortgage Trust
委托及信托贷款 Trust Loans
不过有分析人士指出，成功抑制贷款的背后另有隐忧，那就是银行与信托公司可能联手将贷款转移出他们的账面。
But analysts say the apparent success of the clampdown on lending disguises a worrying new trend that involves Banks co-operating with lightly regulated trust companies to keep loans off their books.
监管基础设施废除之前，明智之举是将我们的信托资金贷款放到银行中去增强资金，比如社会福利等等。
Before we removed our regulatory infrastructure, it would have been wise to invest our federal trust funds in loans to our banking system to bolster funds such as Social Security.
一旦这些银行家决断某家信托公司大体上是健康的，他们便立刻给予其资金支持——每一美元的贷款都要有该信托公司的抵押资产做担保。
Once they had determined that a trust was essentially healthy, the bankers supplied it with cash, matching their loans dollar-for-dollar with the trust's collateral assets.
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