Commercial banks usually act as sales organizations and fund custodians.

In other words, they mainly provide sales services and fund registration, clearing, settlement, accounting and other services.

At the same time, commercial banks usually become one of the investors of funds, because as an institution with moderate risks, they can effectively spread investment risks by purchasing funds and obtain corresponding benefits. It should be noted that the responsibilities and functions of commercial banks and fund management companies are different. The main responsibility of commercial banks is to provide customers with sales and investment services, while fund management companies are mainly responsible for the investment operation and management of funds.