Because the wealth management products launched by banks do not belong to funds, both of them are financial management methods. Bank wealth management products are a kind of fund investment management plan developed, designed and sold by banks according to target customers, while funds are wealth management products issued by fund companies, in which banks exist as sales platforms.

In bank wealth management products, banks only accept customers' funds, and the benefits and risks of investment are borne by customers or the agreement between customers and banks.