1, different in nature: fixed deposit treasure is a fund product, and time deposit is a deposit savings.

2. Different handling channels: Dingcunbao can be purchased through some banks and third-party institutions. Time deposits can only be handled through banks.

3. Different interest rates: Dingcunbao is a fund, so the interest rate will be higher than the bank's time deposit rate for the same period, and the risk is higher.

Dingcunbao is the first short-term and medium-term wealth management product of Huatai Securities. The target customers are mainly low-risk preference investors who do not have particularly high liquidity requirements and want to obtain stable income.

The content of this article comes from: China Law Publishing House "The All-knowing Series of Common Sense of Legal Life".