Mutual fund is a kind of fund raised spontaneously by non-governmental organizations. It is an organization organized by colleagues, friends or fellow villagers. A group of people agreed that everyone would pay a donation and treat it as a public asset. When members need money urgently, they can help them through mutual funds. For example, illness, car accidents, accidents, giving birth to children, and the death of someone in the family all need to use this mutual fund. Also in Fujian, all fellow villagers set up mutual funds to give one person money to do business. When the person who gets this mutual fund is developed, he needs to help other people who provide mutual funds to become rich. It is equivalent to a group of people raising funds independently and legally to do business, which is a hard challenge for Qi Xin to work together for a better future. To raise mutual funds, all members need to trust each other and be reliable, and unfamiliar people can't get together. It is rumored that mutual funds originated in Pang Degong in the Eastern Han Dynasty, and Pang Degong was a good businessman. In Pang Degong's hometown, Pang Degong raised initial funds in the form of mutual funds, and then used the money to do business, and gradually developed into one of the best businessmen in history.