The differences are as follows: 1. From the perspective of financing methods: investment banks conduct direct financing and focus on long-term financing; while commercial banks conduct indirect financing and focus on short-term financing.

2. From the perspective of basic business: The basic business of investment banks is securities underwriting, while the basic business of commercial banks is deposits and loans.

3. From the perspective of business activities: investment banks mainly conduct business in the capital market; while commercial banks mainly conduct business in the money market.

4. From the perspective of the source of profits: investment banks rely on commissions paid by customers; while commercial banks rely on the interest rate difference between deposits and loans.