The functional differences between trust and insurance are as follows: 1. Different influencing factors Trust is an important factor that directly affects the size of the market capacity.

On the one hand, insurance is affected by macroeconomic conditions, and on the other hand, it is affected by national income distribution policies and consumption policies. Insurance directly determines the level of consumer purchasing power.

2. The scope of inclusion is different from that of trusts in tax law, that is, the part of labor remuneration after deducting tax-free items that should pay income tax in accordance with national regulations.

Insurance is wages paid according to hourly wage standards for work performed, including basic wages and job wages paid to employees by units that implement a structured wage system.

3. Different functions. Trusts are mainly company accounts used to deposit, withdraw money, and transfer money; insurance is used to handle all settlements that comply with laws and regulations, including cash withdrawals and payment of employee wages and benefits, while general deposit accounts can only handle general settlements.

For settlement business, cash cannot be withdrawn and employee wages and benefits cannot be paid.

4. Trusts with different natures can handle transfer settlement and cash deposits, but cannot handle cash withdrawals.

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Insurance can deposit or withdraw funds at any time, but the withdrawn funds must be transferred to the company's basic account through a company transfer check, and then withdrawn through the company's cash check.