scarf是围巾的意思，而handkerchief 则是手帕的意思，区别可以从以下例子看出：

　　She is not only wearing scarf, she also holds a handkerchief, showing she is elegant and noble. I like her so much.

　　她不仅戴着围巾，还拿着手帕，尽显优雅高贵。我非常喜欢她。