1. has different properties. Bank savings deposits belong to the liabilities of banks, and banks bear all legal responsibilities to depositors, while securities investment funds belong to equity contracts or contracts, and investors have to bear certain risks and expenses.
2. Income and risk are different. The interest rate of bank deposits is relatively fixed, and there is almost no risk. The fund income fluctuates to some extent, and the risk degree is higher than that of bank deposits.
3. The investment direction is different from the profit content. Bank savings deposits are mainly invested in production or consumption to obtain interest spread income, while securities investment funds invest in the securities market to obtain income through stock dividends, bond interest and the price difference in the securities market.
4. The degree of information disclosure is different. After the bank absorbs deposits, it is not obliged to disclose the operation of funds to depositors, and the securities investment fund manager must regularly disclose other information such as fund investment to investors.