1. A consortium refers to a monopoly group formed by a combination of huge banks and huge enterprises controlled by a very small number of financial oligarchs. They usually consist of one or several families. The consortium usually includes a few large banks, insurance companies, and a larger number of industrial and mining enterprises, commercial enterprises, and transportation enterprises. Each consortium is active in many economic sectors, and has also expanded to superstructure sectors such as culture, education, science, health, publishing, and government agencies. They not only use their own capital, but also mainly use the large amounts of other people's capital they control to obtain high monopoly profits.

2. Banks are financial institutions that serve as credit intermediaries through deposits, loans, exchanges, savings and other businesses. A bank is one of the financial institutions, and it is the most important financial institution. Its main business scope includes absorbing public deposits, granting loans, and handling bill discounts.