A kind of lending operating system and fund include: a kind of means according to the method for the present invention as security, wherein intended receiver structure receives fund information, account information, investment fund, target echo information and which confirmation payment for goods amount trust loan value fund information information, and based on the trust corresponding to client, who applies load; By determining that corresponding to payment for goods amount investment fund trusts load capacity and customer information, and return to investment fund; The client during the trust loan value fund investment period by calculating interest load limit, and the client obtained by calculating investment fund amount; By comparing return calculated and target echo, target echo is reached to be confirmed whether to return; It and for load information will to be trusted include load limit and interest rate to terminal. ;The 2016 of copyright KIPO submissions
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