金融业的激烈竞争促进了金融机构之间的混业倾向,金融机构之间的合作金融创新产品也被越来越多地开发出来,如“银证通”、“银保通”等。随着信托业宏观经济环境的变化,我国信托业也获得了新生;同时也使商业银行看到了与信托公司的合作前景,有前瞻意识的商业银行已经着手设计一种介于银行和信托公司之间的创新产品——“银信 The fierce competition in the financial industry has promoted the tendency of mixing among financial institutions and more and more cooperative financial innovative products among financial institutions have been developed, such as ” “Wait. With the change of the macroeconomic environment in the trust industry, the trust industry in our country has also gained a new lease of life. At the same time, commercial banks have also seen the prospect of cooperation with trust companies. Forward-thinking commercial banks have started to design a banking and trust company Between the innovative products - ”Silver letter