The difference between loan fund supervision and non-supervision: 1. Fund supervision is more common in commercial housing transactions, especially pre-sale houses and second-hand houses. Banks are in addition to sellers (developers, real estate agencies, etc.) and buyers (house buyers).

A third party has the responsibility of "supervising" the use of funds. The seller's use of funds must comply with the conditions constrained by the fund supervision contract and the policies of the housing management department.

The general department to contact is the Retail Banking Department (Personal Finance Department).

This type of business does not require special approval from regulatory authorities.

2. Asset custody mainly performs the duties of asset custody, fund liquidation, asset valuation, accounting, investment supervision, and information disclosure for the entrusted assets based on entrustment. The entrusted assets include corporate annuities, investment funds, social security funds, wealth management products,

For trust assets, insurance funds, QFII assets, etc., the general trustee is Party A, and the trustee (bank) is Party B.

Large state-owned commercial banks and many joint-stock commercial banks have set up asset custody departments to be responsible for this type of business, but they also require the cooperation of business departments (corporate and inter-bank).

This type of business requires approval from the China Banking Regulatory Commission, China Securities Regulatory Commission and other departments.