1, interest rate advantage: the loan interest rate of the provident fund state management is more favorable than that of the municipal management. The state implements a low fixed interest rate policy for provident fund loans, which can provide more economical and affordable financing conditions for paid employees than municipal management.

2. Policy stability: the state's management of provident fund is stipulated by the state policy, which is relatively stable and has little change. However, the policies of urban management are more influenced by local governments, and there are many local differences. The consistency of the state's management of provident fund is more conducive to the long-term planning and stable financial support of depositors.