difference between "create group for any added .." and "create folder references ..."

When you create folders in your project the folders are also present in you apps bundle. Groups are ignored and all files in the groups are added to the apps bundle root.

xcode 工程里面，对于资源文件 以组（groups）形式存在的文件是不会被打包到app包里面的，对于资源文件 以folder形式存在的是会被打包到app包里面的。