当然有区别.

banks often go bankrupt.  In Cyprus situation, if they go bankcrupt, the depositors will get up to 100k euros which is insured. The depositors will lose a portion of the money above 100k.  So the choice is to take 40% cut and get the resue or go bankcrupt.  Cyprus chooes to take 40% cut.  Stock market can be closed but not go bankcrupt because when you buy stocks you get the stock certificate. Nobody owes you anything.  When you put money into a bank, the fact is the bank owes you money.