1, different in nature: bank deposits belong to creditor's rights contracts or contracts, and banks assume all legal debt repayment obligations to bank depositors; Securities investment funds belong to equity contracts or contracts, and fund custodians only manage funds rather than investors, which cannot guarantee the rate of return of funds, and investors also need to bear certain risks and expenses.

2. The degree of income and risk is different: under normal circumstances, the interest rate of bank deposits is relatively fixed, and there is basically no risk; The income and risk of the fund are higher than that of the deposit.

3. The investment direction is different from the profit content: banks invest the assets of savings deposits in manufacturing or consumption fields through corporate loans or personal loans to obtain spread income; Securities fund investment invests investors' assets in the securities market, gains from stock dividends or bond interest, and gains from the price difference in the securities market.

4. The degree of information disclosure is different: after the bank absorbs deposits, it has no obligation to announce the operation of assets to depositors; Securities investment fund custodians need to regularly announce the net value of investment funds and funds to investors, such as net value announcements and periodic reports.