1. Different in nature, the fund is a beneficiary certificate, and the fund property is independent of the fund manager; Fund managers only manage funds but not investors, and do not bear the risk of investment losses. Bank savings deposit is a kind of credit certificate, which is manifested as bank debt; Banks have the legal obligation to protect the principal and interests of depositors. 2. Income and risk are different. Under normal circumstances, the fund does not guarantee the safety of the principal, and it may lose money, but it also has the opportunity to share the benefits brought by the rise of the securities market; The interest rate of bank deposits is relatively fixed, and there is almost no possibility for investors to lose their principal. The risk of bank bankruptcy takeover is small (for example, Hainan Development Bank, credit union merger, high-interest deposit). 3. According to different information disclosure levels, fund managers must regularly announce the investment operation of funds to investors; After the bank absorbs deposits, it is not necessary to disclose the use of funds to depositors.