At present, bank wealth management products are mainly short-term fixed-income products, similar to money funds, which are generally invested in the short-term bond market for bank capital replenishment, with low risk. Public Offering of Fund is divided into bond funds, partial debt funds, partial stock funds, stock funds and private equity funds. So, what is the difference between bank financing and private equity funds? The difference between bank financing and private equity funds: the concept is different: bank financing is a fund investment and management plan developed, designed and sold for specific target customers on the basis of analyzing and studying potential target customers. In the investment mode of wealth management products, banks only accept the funds entrusted by customers, and the investment income and risks are borne by customers or both customers and banks in an agreed way. Private placement fund refers to an investment fund set up by raising funds from qualified investors in China in a non-public way, including contractual funds or companies or partnerships whose assets are managed by fund managers or general partners for investment activities. Classification is different: according to the length of investment period, bank wealth management products are divided into periods of less than 1 month, 1 to 3 months, 3 to 6 months, 6 months to 1 year and 1 year. Bank wealth management products can also be divided into guaranteed income wealth management products and non-guaranteed income wealth management products. According to different issuers and supervision methods, private equity funds can be classified into asset management plans of securities companies, fund companies, futures companies and their subsidiaries, trust plans, financial management plans of commercial banks and insurance asset management plans. Among them, in view of the separate supervision of finance, the Interim Measures for the Supervision and Management of Private Investment Funds has not been clearly applied to trust plans, commercial bank wealth management plans and insurance asset management plans. In fact, there is not much difference. If there are differences in wealth management products, the bank's wealth management products may be more secure. For private equity funds, there are many funds with slightly lower thresholds, which require investors to have certain risk tolerance. Many wealth management products issued by banks are invested in funds or trusts with relatively stable external operation and strong risk control ability, from which they earn a certain spread.