Obviously, the criteria for the establishment of bank-based funds and non-bank-based funds are different, and the former is stricter, which also reflects the good intention of the regulatory authorities to buffer the impact of bank-based funds on non-bank-based funds. However, the treatment of super fund companies enjoyed by bank-based funds in the examination and approval process reveals the meaning of "one slap in the face does not ring" by the regulatory authorities.

In addition, bank-based funds entered the market at a good time (especially several funds established last year, such as the core value of ICBC Credit Suisse Bank, the selection of Bank of Communications Schroeder, and the permanent value of CCB), which happened to be bargain-hunting, making them run above the face value most of the time since their establishment. But at the same time, compared with other funds, bank-based funds have not shown more advantages, and their position in various ranking lists of rating agencies is not ideal. How to avoid the old road of poor performance of bank funds is still a concern of the market.

Generally speaking, the comprehensive strength and investment and research ability of established fund companies are far superior to those of newly established banking funds.