Supranational institutions are those owned or established by governments of two or more countries. They are usually established by international treaties to pursue specified policy objectives and are generally not subject to commercial law. The majority of these are Multilateral Lending Institutions (MLIs), which are usually established to promote economic development, facilitate regional integration, or expand cross-border trade. Other rated supranational institutions include multilateral insurance companies, monetary funds, regional public policy institutions, and vehicles that provide budgetary financing or that pool overseas direct assistance.