China Bank mainly engages in public welfare fund trust business, including provident fund trust and social insurance fund trust. Trust companies can use charitable trust funds to directly purchase "treasury bonds and policy financial bonds with good liquidity and strong liquidity", and can also invest in bond funds or money market funds with similar investment directions. The Notice does not limit the investment direction of the dead charitable trust. The so-called "other low-risk financial products allowed by the China Banking Regulatory Commission" should refer to all kinds of innovative products with controllable risks, high liquidity and stable returns independently developed by the trust company.

In addition, the investment of charitable trusts should strictly abide by the custody system of trust funds, trust companies should choose qualified commercial banks as fund custodians, and fund custodians should strictly perform their custody duties. Even the China Banking Regulatory Commission should formulate a custody system similar to that of securities investment funds for charitable trusts. The Circular requires charitable trusts to invest in "financial products", and the professional institutions for financial products investment in China are securities companies and securities investment fund management companies (including commercial banks and insurance companies to some extent). They have relatively sound laws and regulations and professional R&D and management teams, and trust companies should be allowed to follow the Trial Measures for Client Asset Management of Securities Companies and the Trial Measures for Specific Client Asset Management of Fund Management Companies without increasing the cost borne by trust property.