1. According to the inquiry of wealth management ladder network, it has different forms: Xiangyingbao is a wealth management product, which is based on RMB and invested in the financial market, and its income is related to market performance. Foreign currency deposit is to deposit funds in a bank in foreign currency, and the deposit interest rate is related to the foreign currency exchange rate.

2. Different liquidity: Xiangyingbao has high liquidity and can be redeemed at any time. Foreign currency deposits are subject to time limit and early withdrawal.