Broadly speaking, fund products belong to one of the major categories of financial management. But in a narrow sense, the fund products issued by fund companies are not the wealth management products of banks. There is an essential difference between the two. Fund products issued by fund companies are issued by fund companies. The investment targets range from stocks and bonds to money markets, and the buyers are our ordinary investors. Of course, many fund companies will choose to sell their fund products in the banking channel. Bank wealth management products are collective asset management tools issued by banks themselves, and the investment targets include bonds, creditor's rights, interbank lending and so on.