自1979年我国第一家国际信托投资公司—中国国际信托投资公司成立及1980年中国人民银行《关于积极开办信托业务的通知》发布以来,信托业务在全国大中城市相继恢复开展,为金融体制的改革,搞活金融,发挥地方积极性,作出了突出的贡献.但是,在信托业务空前活跃的情况下,由于我国目前缺乏信托法等相应的法律规范,也造成了信托业务的不规范,甚至混乱,尤其是在信托存款与委托贷款方面,缺乏相应规范,常常造成责任上的混淆,并给法院审理案件带来一定难度,本文拟就此进行一点探讨. Since the establishment of China International Trust and Investment Corporation, the first international trust and investment company in China in 1979 and the “Notice on Actively Starting up Trust Business” issued by the People’s Bank of China in 1980, the trust business has been resumed one after another in large and medium-sized cities throughout the country and the financial system However, with the unprecedented active trust business, due to the current lack of corresponding legal norms such as the Trust Law in our country, the trust business has also become irregular and even chaotic , Especially in trust deposits and entrusted loans, the lack of corresponding norms, often resulting in confusion of responsibility, and to bring some difficulties to the court to hear the case, this article is intended to carry out a little discussion.