Reflect different economic relations: the fund reflects the trust relationship and is a kind of income certificate; It is a kind of credit certificate, which is regularly manifested as bank liabilities.

The raised funds are invested in different ways: funds are indirect investment tools, mainly investing in securities such as stocks and bonds; Regular investment is an indirect investment tool, and banks are responsible for the use and investment of funds.

Investment income is different from risk: fund risk is relatively moderate and income is relatively stable; The fixed interest rate is relatively fixed and the risk is relatively small.

Different sources of income: funds mainly include interest income, dividend income and capital gains; Regular income is mainly interest income.