A: Although both the issuing bank and the commercial bank are the main links in the process of RMB issuance, they play different roles. The main difference is that (1) mechanism settings are different. The issuing bank is an important part of the people's banks at all levels, and implements vertical leadership; Commercial banks are vaults set up by policy banks and commercial banks to handle cash receipts and payments. (2) The nature of money in custody is different. The issuing bank keeps the issuance funds. Before it leaves the issuing bank, it still belongs to the nature of currency reserve, not currency in circulation, and does not have the function of currency. Commercial libraries keep cash, which is a part of currency in circulation. (3) Different business objects. The business object of the issuing library is ordinary banks; The object of commercial library is the whole society. (4) The starting point of receipt and payment is different. The starting point of issue amount is 1000 yuan, which must be bundled and put into storage; However, cash receipts and payments in the business library are not limited by the starting point of the amount.