Special account financing refers to the activities of fund management companies as asset managers to raise funds from specific customers or accept property entrusted by specific customers, and commercial banks as asset custodians. In a sense, special account financing is similar to private equity fund, and its purpose is to raise funds publicly.

Advantages are:

The investment scope is wider than that of Public Offering of Fund.

It can attract more customers for fund companies.

The investment plan can be customized according to the unique needs and goals of investors, and "one-on-one" customization can be realized.

Disadvantages:

How to solve the problem of interest transfer between fund companies and customers has always been a difficult problem.