Although investment and lending are both economic behaviors of certain economic entities, they are fundamentally different in terms of nature, source, application and purpose, as shown in:

( 1) Loan is a kind of debt. Although there is an agreement for investment, it is not a debt, but only the disposal of one's own property rights. Loan can be guaranteed and transferred, while investment generally cannot, but can be transferred;

(2) Borrowing is a transfer of ownership of general property, while investment is only a certain change in the right of occupancy, but still enjoys incomplete rights of control, use, use and disposal;

< p>(3) The purpose of investment is to obtain certain income or benefits, while the purpose of borrowing may be diverse. Although most borrowing is also for economic purposes, some borrowing is free;

(4) The possible benefits from investment are future and uncertain, but if the loan is paid, it should be certain;

(5) The source of investment can be self- Yes, such as one's own income, etc., or it can also be loan funds; loans are generally ownership rights;

(6) There are many forms of investment, usually real capital or financial capital; Borrowing is the transfer of ownership of property, and for the lender, it is the temporary destruction of property;

(7) Investment recovers benefits, but the investment itself is generally not recoverable (except for joint ventures) ), "withdrawing capital" is not allowed by law, and in serious cases it constitutes a crime; loans can and should be recovered.