What's the difference between bonds and bank deposits?

Bonds and deposits are basically types of investment, and the investment relationship is the same. Bonds are the demanders who lend money directly, while deposits are the lenders who lend extra money, which reflects a creditor-debtor relationship. Their differences are mainly:

First, the nature of debtors is different. The debtor of the bond is the issuer of the bond, and the debtor of the deposit is the intermediary institution of the financial market-the bank;

Second, the risks are different. The risk of bonds is influenced by the issuer's credit, profitability, maturity and market conditions, and it has a high risk. Comparatively speaking, due to the particularity of banks in the financial industry, the risk of deposits is low.

Third, the rate of return is different, because the risks are different, so the income is different.

Fourth, other attributes are different, for example, the creditor's rights have a specific term, and the deposit reflects the term according to the depositor's wishes.