1. Capital security: Zengfu deposit belongs to the bank's deposit business. The customer deposits funds into the product, which is managed and kept by the bank. Under normal circumstances, the safety of customers' funds can be guaranteed, and banks will not close down or go bankrupt due to factors such as operating conditions.

2. Bank reputation and supervision: Shanxi Bank, as a formal bank, has a good reputation and supervision mechanism, which can ensure the safety of customers' funds and legal and compliant operation.