What is the difference between bank deposits and bank direct investments?

There are many types of bank deposits, including current and fixed. However, bank direct investment generally refers to wealth management products.

Deposit refers to the temporary transfer or storage of funds or currency by the depositor to a bank or other financial institution under the condition of retention of ownership, or the temporary transfer of the right to use the funds or currency to a bank or other financial institution, which is the most basic and important financial act or activity, and is also the most important credit fund of the bank**. The numismatic money changers that appeared in Europe in the Middle Ages also accepted customers to deposit money, which was in the nature of money custody and did not pay interest, which was the germ of foreign bank deposit business. With the advent of banks and other financial institutions, the deposit business of banks has developed rapidly.

Investments have different meanings in terms of finance and economics. Financial investment is based on sound analysis, estimating the principal and return to a certain extent, and investing funds in those targets that are expected to increase. Speculation is a practice of complete opposites, such as investing money without analysis, without certainty of principal and return, and without considering risks.

What is the difference between a deposit and a bank head? I think there is still a difference, like deposits, he is relatively low interest, because in terms of deposits in the bank, even if he has two of us, one is active and the other is that kind of fixed? And in stone, he's like that, it's a way to invest.

Direct bank deposit means that the bank owner deposits its own money in the bank designated by the project party in accordance with the requirements of the project party and the bank where the project party is located. The project party applies for a loan to the bank, and the project party must discount the interest rate to the bank.

The bank owner deposits his own funds in the form of customer funds to obtain bank statements for customers.

For the purpose of image fund use, capital increase registration, etc.

Online borrowing and lending information intermediaries shall implement segregated management of their own funds from lenders and borrowers, and select qualified banking financial institutions.

Acting as a depository of funds for lenders and borrowers.

The reason for this situation is that since fund depository involves the management of capital flow and the reputation of banks, banks need to do a good job of risk and credit assessment of the Internet financial platforms they connect with. The bank's business compliance, risk control management, team qualification and investor protection, as well as the registered capital of the platform.

Considerations such as paid-in capital are very strict, and only platforms with strong conditions can access bank depository.

At present, it has reached an online loan platform for fund depository business.

Mainly some have a background of state-owned assets, listed companies or venture capital.

Large-scale platform for participation. Due to the complexity of the bank fund depository system, only a company with a strong technical team can open a depository docking system in a short time.

The importance of direct existence is mainly reflected in two aspects, mainly as follows:

1. Direct deposit is directly related to the success or failure of the cooperation between investors and banks. When going through the relevant procedures, investors with direct deposits will first look at whether the operation process of the business is reasonable. If you feel that the operation process is reasonable and within the scope of your acceptance, it is very likely to handle the business, and if you feel that it is unreasonable, you will definitely not accept it.

The rationality of the operation process directly determines the success or failure of the cooperation;

2. The rigor of the direct deposit operation process is directly related to the risk control of the funder.

Circumstance. Every investor wants to invest in a project that is risky.

Able to control their own risk within the scope of their own ability. If the direct deposit operation process is rigorous enough, then investors can easily control risks, and if it is unreasonable, it will bring trouble to investors to control risks.