Trust and bank credit are both credit methods, but they are different.

1. Trusts with different economic relations carry out fund financing and property management according to the business purpose of "entrusted by the trustee to manage money on behalf of others", involving the principal, the trustee and the beneficiary, and their trust behavior reflects multilateral credit relations. As a "credit intermediary", bank credit is a bilateral credit relationship among banks, depositors and lenders.

2. The trustor is a participant in different trust businesses. In the act of trust, the trustee shall conduct business according to the client's intention and serve the beneficiaries. In the whole process, the client takes the initiative and the trustee passively performs the trust deed, which is restricted by the client's intention. The main body of bank credit is the bank, which issues loans and operates independently, and its behavior is neither restricted by the will of depositors nor forced by the will of borrowers.

3. Trust with different risks generally manages the trust property according to the client's intention. The operational risk of a trust is generally borne by the principal or beneficiary. Trust and investment companies only charge fees and commissions, and do not guarantee that the trust principal will not be lost and get the lowest income. Bank credit is to absorb deposits, issue loans and operate independently according to the deposit interest rate stipulated by the state. Therefore, banks bear the operational risk of the whole credit fund, and as long as they are not bankrupt, they must pay the principal and interest of deposits on schedule.

4. Different liquidation methods When a bank goes bankrupt, deposits and loans will participate in liquidation as bankruptcy liquidation property; When the trust and investment company terminates, the trust property does not belong to liquidation property, and the new trustee will continue to manage it to protect the trust property from losses.

Two, the people's Bank of China credit funds management approach.

Chapter I General Provisions Article 1 is to implement the provisions of Document No.1.. According to the "Decision on Strengthening Financial Supervision" issued by the State Council, in order to meet the needs of economic management system and financial system reform, the People's Bank of China should study and do a good job in the macro-decision of national finance, strengthen financial supervision, liberalize and invigorate finance at the micro level, and give full play to the positive role of banks in the national economy. In order to solve the long-standing problem of "big pot" in the management of credit funds, implement the economic responsibility system of banks at all levels, improve the economic benefits of the use of credit funds, and better support the socialist modernization drive, these measures are formulated. Article 2 The People's Bank of China and specialized banks (including national monetary credit funds) shall be managed in accordance with these Measures. The management of foreign exchange funds and loan funds should follow the principle of "unification and mutual accommodation".

Rmb credit funds must be fully incorporated into the national comprehensive credit plan, which is comprehensively balanced by the head office of the People's Bank of China, and the loan plan of the People's Bank of China is approved.

Sub-funds refer to the self-owned funds and other various credit funds of specialized banks, which, after being approved by the head office of the People's Bank of China, are used as the working funds of the banks, operating independently and accounting independently.

Real loan and real deposit refers to the exchange of funds between the People's Bank of China and specialized banks, which changes the examination and approval method of real loan and real deposit at different levels.

Mutual financing is to allow funds to be transferred horizontally and enliven funds. The financing of a region mainly depends on mutual borrowing. Article 4 In order to implement the above principles of credit fund management, all specialized banks must formulate their own credit fund plans, which shall be examined and approved according to the content and format stipulated in Article 5 of the Head Office of the People's Bank of China, prepare their own credit fund revenue and expenditure plans, and submit them to the Head Office of the People's Bank of China. After the people's economic situation, the state credit funds and the currency issuance plan are comprehensively balanced, the state comprehensive credit plan shall be prepared and submitted to the State Council for approval. Article 6 At the same time, the annual credit rating banks compiled by local specialized banks at all levels shall be submitted to the People's Bank of China at the same level for comprehensive balance in combination with their own credit fund revenue and expenditure plans, and the comprehensive credit funds in the region shall be compiled by the head office of the People's Bank of China. Article 7 The head office of the People's Bank of China shall, according to the national comprehensive credit plan approved by the State Council, review the annual final accounts of the head office of specialized banks, including the itemized credit fund income and expenditure plan and the loan plan to the People's Bank of China. The head offices of specialized banks put forward the loan plan amount allocated by the bank within the loan plan amount approved by the head office of the People's Bank of China, and the head office of the People's Bank of China issued a loan notice. Branches of the People's Bank of China lend to branches of specialized banks according to the loan requirements of the head office of the People's Bank of China and the progress of capital use, and then the branches of specialized banks allocate them to their subordinate branches as working capital. The specific measures for loans shall be managed by the People's Bank of China in different ways and related disciplines.

(a) the annual loan plan and the basic construction loan plan shall not be broken strictly according to the plan. Due to changes in economic conditions, when the annual loan plan needs to be overfulfilled, the head office of a specialized bank must apply to the head office of the People's Bank of China for additional funds, and the funds can only be used after approval.

(two) for all kinds of working capital loans (including agricultural loans), under the premise of not exceeding the loan plan of the people's Bank of China and ensuring depositors to withdraw their deposits, more deposits and more loans shall be implemented.

(three) technical transformation loans should be revitalized and not out of control, and the People's Bank of China should control them according to the technical transformation loan plan arranged by the state. The head office of specialized banks can be controlled according to the planned indicators, and the deposits and deposits increased by specialized banks every year can also be used to increase technical transformation loans according to the proportion stipulated by the head office of the People's Bank of China.

Change the practice of banks and competent departments jointly "wearing hats" to issue individual loan indicators for special technological transformation loans. In the future, banks will no longer retain a single "special loan index" in the use of funds. Technical transformation projects issued by various economic departments will directly apply to local banks for loans, and local banks will independently review and decide according to the economic benefits of the loan projects.

(IV) Fixed assets loans specially arranged by unplanned countries shall be uniformly arranged by the head office of the People's Bank of China, and distributed or entrusted to the head office of relevant specialized banks or entrusted to specialized banks through branches of the People's Bank of China.

(V) The RMB special loan for foreign exchange purchase quota shall be arranged by the head office of the People's Bank of China as a whole, and the branches of the People's Bank of China shall entrust specialized banks to issue it according to the business division and payment regulations.

(six) the RMB occupied by the state foreign exchange reserve is funded by the People's Bank of China and managed separately. Specific measures shall be formulated separately.

Three. Trust and investment companies and bank loans

To put it simply, the bank will hand over the credit assets to the trust and investment company for safekeeping, turn them into wealth management products for the bank to sell, and use the money raised by the products to make up for the loan payment, and finally increase the bank's loan amount.

Fourth, the credit problem of China Trust Bank.

Hello, no matter which bank, subject to the regulations of the Financial Management Committee, unsecured loans should not exceed 22 times the monthly salary. Your monthly salary is 30 thousand, and you can only borrow 660 thousand at most But in fact, banks will not lend to such a high multiple, which meets the quality requirements. The maximum monthly salary 18 ~ 20 times is not good. The highest monthly salary is about 8 ~ 12 times. That depends on your details. Every loan has to be reviewed and rated.