At present, the family trust products that have been put on the market can be divided into four modes according to the customer source, organizational structure and scheme design: trust company-led mode, private bank (private banking department of commercial banks)-led mode, private bank-trust company cooperation mode (bank-trust cooperation) and trust company-insurance company cooperation mode.
At present, because the brand influence of trust companies is still weak and banks are still the main source of customers, the proportion of family trusts dominated by pure trust companies is relatively small; Under the leading mode of private banks (private banking department of commercial banks), products highlight the leading role of banks in the whole family trust in the design of transaction structure. Trust companies mainly play the role of channels, and the trust companies with equity participation are wholly-owned or holding subsidiaries of banks; In the cooperation mode between trust companies and private banks, banks and trust companies form strategic cooperation, each with its own advantages in customer demand analysis, product structure design and specific investment strategy, and jointly manage assets; Some trust companies and insurance companies jointly launched "family-like trust" insurance trust products.
With the increasing popularity of family trusts, privately ordered family trusts are sought after, but this non-standardized high-cost model also inhibits the development of family trusts in China to some extent. In the long run, "personalized" and "standardized" trust products will also occupy a certain market share.