1. The account holders are different.

Opening a Sunshine Deposit account is a formal account opening at a bank. Deposit information can also be queried and Sunshine Deposit is protected by law. Non-sunshine deposits are made at designated windows or managers. Their deposit accounts are not entered into the bank system and the accounts cannot be checked.

2. The content of the commitment is different

The commitment letter signed by Sunshine Deposit is: no early withdrawal, no reporting of loss, no pledge, and no transfer. However, you can check the balance in your account and open online banking. In addition to the four non-commitments of sunshine deposits, non-sunshine deposits also have the additional commitments of not checking balances and not opening online banking, which is disadvantageous to depositors.

3. Different risks

Sunshine deposits are formal deposits of banks. They are supervised by the China Banking Regulatory Commission and protected by law. They are basically risk-free for bank owners. Non-sunshine deposits are neither supervised by the China Banking Regulatory Commission nor protected by law. Although the returns are high, the risks are extremely high. Once the borrower fails to repay in time, there will be a series of consequences. It is very likely that the principal will not be recovered, let alone It is said that a benefit is obtained because it is not protected by law.

I saw this in Kuaishu. I hope it can help you.