The difference lies in the establishment of identity and welfare treatment. The first step is to sign a work contract with the bank, which belongs to the formal employees of the bank. Failure to become a regular employee is a labor dispatch contract signed with a labor service company and does not belong to a formal employee of the bank. When banks encounter business depression, they will first abolish informal employees. Secondly, after becoming a regular employee, the welfare benefits are better, and the amount of salary and bonus is higher than that of employees who have not become regular employees.