The difference between commercial bank wealth management business and traditional credit business is mainly reflected in ().

The differences between commercial banks' wealth management business and traditional credit business include: (1) different sources of funds and bank obligations. In the traditional credit business, the source of funds is bank deposits, and the cost of funds is low. Banks do not undertake the obligation of information disclosure, but they need to fulfill the obligation of "free withdrawal and deposit interest". In the wealth management business, the source of funds is investors' funds, and the cost of funds is high. Commercial banks need to undertake the obligation of information disclosure and fully reveal the operational risks, but in theory, they do not undertake the rigid obligation of debt service. (2) The transaction structure is different. (3) Different risk factors.