Structured deposits refer to financial products with certain risks in which investors deposit legally held RMB or foreign currency funds into banks and banks embed financial derivatives (including but not limited to forwards, swaps, options or futures). On the basis of ordinary deposits, investors' income is linked to financial or non-financial objects such as interest rate, exchange rate, stock price, commodity price, credit and index.

The so-called foreign exchange structured deposit refers to the embedding of some financial derivatives (mainly various options) on the basis of ordinary foreign exchange deposits, and is linked to the fluctuations of interest rates, exchange rates, indexes, etc. Or the credit situation with an entity, so that depositors can obtain …

trait

high-production

Foreign exchange structured products are products that achieve higher investment returns on the premise that customers voluntarily bear certain risks. Generally speaking, taking half-year dollar products as an example, the income is about 3% or more (tax-free); The pre-tax income of the corresponding half-year US dollar deposit is 2.3750%, and the interest tax is deducted by 20%.

Guaranteed principal

Structured deposits usually have a principal guarantee of 100%, and the risk borne by customers is only possible interest loss, and there will be no principal loss.

Flow difference

The liquidity of structured deposits is poor, and customers are not allowed to withdraw the principal in advance during structured deposits. Therefore, customers need to pay attention to the problem of capital flow when investing.