信托贷款是指受托人接受委托人的委托，将委托人存入的资金，按其（或信托计划中）指定的对象、用途、期限、利率与金额等发放贷款，并负责到期收回贷款本息的一项金融业务。委托人在发放贷款的对象、用途等方面有充分的自主权，同时又可利用信托公司在企业资信与资金管理方面的优势，增加资金的安全性，提高资金的使用效率。
商业银行暴露于信托贷款和委托贷款的直接风险敞口非常有限。
Both trust and entrusted loans have limited direct-risk exposure to the commercial Banks.
我们已经看到了一些信托贷款违约事件，但没有造成很大轰动，不过，已经有了两三件存款人救助的案例，但这些案例并还未显示出消除过分信贷的坚定努力。
We've had a few trust loan defaults that haven't caused a big stir yet, but there have been a couple of depositor bail outs that don't point to a determined attempt to curb the excess yet.
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.
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