The bank's structured deposits are actually an upgraded version of traditional deposits. To put it bluntly, they are financial management products. Since structured deposits are financial products, there are bound to be certain risks and it is impossible to achieve 100% absolute safety. The biggest difference between bank deposits and structured deposits is the introduction of financial derivatives. Another difference is that bank deposits are insurance funds and are protected by the Deposit Insurance Fund. The most important thing is that the central government has strong backing. ?

The bank's structured deposit refers to dividing the customer's funds into two or more parts and using different methods to earn interest, which is called structural. From the above concept of what is a structured deposit, structured Deposits have been introduced with financial derivatives that expose customers to risks, so it can be seen whether structured deposits are absolutely safe. In addition, in 2018, the Banking and Insurance Regulatory Commission has clearly stipulated that banks are not allowed to issue capital-guaranteed financial products to break the rigid demand. Since the implementation of this new regulation, banks' structural deposits have become more risky and less safe. ?

For example, a customer goes to the bank to handle a structured deposit of 1 million, of which 900,000 is used for deposits, and the remaining 100,000 is used for futures and investment options, etc., and this 100,000 is invested in futures and options. There are bound to be risks and losses. When a loss of 100,000 yuan occurs in the investment in financial derivatives, will the amount of the loss be punished by the bank? This is absolutely impossible, and customers will also punish us for this loss. Therefore, no matter how we calculate it, the one who suffers must be our customers themselves.

In other words, all the money from structured deposits is not used for deposits, but for investing in other financial products, and financial derivatives are introduced. However, this is not the case for structured deposits. Those who handle deposit business are guaranteed principal and interest, but those who invest in other financial derivatives are not guaranteed principal and interest. This is not the case. In fact, since the card cancellation operation, many banks have also been developing new models. The most important point is How to make money from customers.