The pain point of fund sales in 2022 is the endogenous pain point based on the business model of seller sales. According to relevant public information, the endogenous pain point of the business model based on seller's sales determines that seller's sales can only be an intermediate state of financial management, and it will be replaced by a more sustainable business model sooner or later, which is also the pain point of fund sales in 2022. Fund sales refers to the activities of fund sales organizations such as publicizing funds, selling fund shares, and handling fund share subscription and redemption.