With the economic downturn exerted pressure, the Pan-funded competition intensiifes tube era, continue to promote market-oriented interest rates, rapid development of internet banking, advantages trust industry rely on the traditional form of bonus system is being lost, proift margins continue to narrow, development into the bottleneck period, the trust industry is no network layout advantage of commercial banks, their way out of ifnancial theory and practice of China's workers struggle to finding answers.Objective analysis on China's trust industry in terms of the current opportunities and challenges, while beneifcial trust assets isolation play a natural advantage, using the internet to achieve development and transformation, on the other hand, the development of trust and face greater credit risk, interest rate risk, operational risks and legal risks.China's commercial banks to upgrade long-standing problem in the long process of exploration, has accumulated rich experience.Therefore, the way out the trust industry is to learn from the commercial banks to upgrade the successful experience with its own characteristics, to accelerate the pace of transformation and upgrading, and actively playing with brand-based, customer-centric professional wealth management institutions, vigorously carry out investment banking, asset securitization and family trust and other innovative services, strengthen the brand, talent building, realize their own transformation and upgrading.%随着经济下行压力陡增，泛资管时代竞争加剧，利率市场化的不断推进，互联网金融的快速发展，信托业传统的依靠制度红利形成的优势正在丧失，盈利空间不断收窄，发展进入瓶颈期，信托业没有商业银行的网络布局优势，其出路何在成为中国金融理论与实践工作者争于寻找的答案。客观分析，当前对我国信托业而言，机遇与挑战并存，一方面有利于信托发挥资产隔离天然优势，借助互联网实现发展转型，另一方面，信托发展又面临更大的信用风险、利率风险、经营风险和法律法规风险。我国商业银行转型升级问题由来已久，在长期探索过程中，积累了丰富的经验。因此，信托业的出路是借鉴商业银行转型升级成功经验，结合自身特点，加快转型升级步伐，积极打造成以品牌为基础、客户为中心的专业财富管理机构，大力开展投行、资产证券化和家族信托等创新型业务，加强品牌、人才建设，实现自身转型升级。
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