信(xin)(xin)托(tuo)(tuo)公(gong)(gong)(gong)(gong)司(si)也是(shi)一(yi)種金(jin)融機構(gou)，但是(shi)信(xin)(xin)托(tuo)(tuo)公(gong)(gong)(gong)(gong)司(si)和銀行不(bu)同，信(xin)(xin)托(tuo)(tuo)公(gong)(gong)(gong)(gong)司(si)不(bu)能(neng)吸收存款。信(xin)(xin)托(tuo)(tuo)公(gong)(gong)(gong)(gong)司(si)可(ke)以(yi)通過設(she)立一(yi)些信(xin)(xin)托(tuo)(tuo)計(ji)劃(hua)募集資(zi)金(jin)，然后把募集到(dao)的資(zi)金(jin)投(tou)資(zi)于(yu)一(yi)些工業、農業建(jian)設(she)項目(mu)(mu)（如高速(su)公(gong)(gong)(gong)(gong)路建(jian)設(she)項目(mu)(mu)、房(fang)地產建(jian)設(she)項目(mu)(mu)等(deng)）。投(tou)資(zi)者可(ke)以(yi)和信(xin)(xin)托(tuo)(tuo)公(gong)(gong)(gong)(gong)司(si)簽訂信(xin)(xin)托(tuo)(tuo)計(ji)劃(hua)合(he)同，把一(yi)些錢（比(bi)如20萬元）交給(gei)信(xin)(xin)托(tuo)(tuo)公(gong)(gong)(gong)(gong)司(si)，投(tou)資(zi)于(yu)某個信(xin)(xin)托(tuo)(tuo)計(ji)劃(hua)項目(mu)(mu)，信(xin)(xin)托(tuo)(tuo)公(gong)(gong)(gong)(gong)司(si)承諾給(gei)多少利(li)(li)息(xi)(xi)，多長時(shi)間歸還本(ben)金(jin)。到(dao)時(shi)信(xin)(xin)托(tuo)(tuo)公(gong)(gong)(gong)(gong)司(si)會把利(li)(li)息(xi)(xi)和歸還的本(ben)金(jin)直接打到(dao)投(tou)資(zi)者的銀行帳戶上。

信(xin)托(tuo)公(gong)(gong)司(si)(si)也(ye)是(shi)一(yi)種金(jin)(jin)融機構，但(dan)是(shi)信(xin)托(tuo)公(gong)(gong)司(si)(si)和(he)(he)銀(yin)(yin)行(xing)不(bu)同(tong)，信(xin)托(tuo)公(gong)(gong)司(si)(si)不(bu)能吸收存款。信(xin)托(tuo)公(gong)(gong)司(si)(si)可以通過設(she)立一(yi)些信(xin)托(tuo)計(ji)劃(hua)募(mu)集資(zi)金(jin)(jin)，然(ran)后把(ba)募(mu)集到的(de)(de)資(zi)金(jin)(jin)投(tou)資(zi)于(yu)一(yi)些工業、農業建(jian)設(she)項(xiang)目(mu)(如(ru)高速公(gong)(gong)路建(jian)設(she)項(xiang)目(mu)、房地產(chan)建(jian)設(she)項(xiang)目(mu)等)。投(tou)資(zi)者可以和(he)(he)信(xin)托(tuo)公(gong)(gong)司(si)(si)簽訂信(xin)托(tuo)計(ji)劃(hua)合同(tong)，把(ba)一(yi)些錢(比如(ru)20萬元)交給(gei)信(xin)托(tuo)公(gong)(gong)司(si)(si)，投(tou)資(zi)于(yu)某(mou)個信(xin)托(tuo)計(ji)劃(hua)項(xiang)目(mu)，信(xin)托(tuo)公(gong)(gong)司(si)(si)承諾給(gei)多少利息(xi)，多長(chang)時間歸還本(ben)金(jin)(jin)。到時信(xin)托(tuo)公(gong)(gong)司(si)(si)會把(ba)利息(xi)和(he)(he)歸還的(de)(de)本(ben)金(jin)(jin)直(zhi)接打到投(tou)資(zi)者的(de)(de)銀(yin)(yin)行(xing)帳(zhang)戶上。

信托(tuo)(tuo)基金(jin)也(ye)叫(jiao)投(tou)資(zi)基金(jin)是(shi)一種“利益(yi)共(gong)享(xiang)、風險(xian)共(gong)擔(dan)”集合(he)投(tou)資(zi)方式: 指(zhi)通過契約或公司(si)形式借(jie)助(zhu)發行基金(jin)券（如收益(yi)憑證、基金(jin)單位(wei)和基金(jin)股份等(deng)）方式將社會上(shang)不(bu)確定(ding)多數(shu)投(tou)資(zi)者不(bu)等(deng)額資(zi)金(jin)集中起來形成(cheng)一定(ding)規模信托(tuo)(tuo)資(zi)產交(jiao)由專門投(tou)資(zi)機構按(an)資(zi)產組合(he)原(yuan)理進行分散投(tou)資(zi)獲得收益(yi)由投(tou)資(zi)者按(an)出資(zi)比例(li)分享(xiang)并(bing)承(cheng)擔(dan)相應風險(xian)一種集合(he)投(tou)資(zi)信托(tuo)(tuo)制(zhi)度 信托(tuo)(tuo)基金(jin)特點是(shi):

1.集合投資

2.專家管(guan)理、專家操作

3.組(zu)合投資、分散(san)風險(xian)

4.資(zi)產(chan)經營與資(zi)產(chan)保(bao)管相分(fen)離

5.利(li)益共(gong)(gong)享、風險共(gong)(gong)擔(dan)

6.以純(chun)粹投資為目

7.流動性強。