Structured deposits are products that combine fixed income and financial derivatives. However, some banks have been suspended at the request of the central bank, but not all banks. For example: China Merchants Bank has not been suspended. If the bank that originally prepared such deposits is suspended, you can choose to look at China Merchants Bank's structured deposits or find other banks that have not been suspended, or consider other financial management methods.

Structured deposits refer to investors depositing legally held RMB or foreign currency funds in banks, and the banks embed financial derivatives (including but not limited to forwards, swaps) on the basis of ordinary deposits. futures, options or futures, etc.), financial products with certain risks that link investor income to interest rates, exchange rates, stock prices, commodity prices, credit, indexes and other financial or non-financial underlying objects.

In fact, structured deposits are not ordinary deposits, and they are also different from bank financial management. Structured deposits embed financial derivatives on the basis of deposits and link them to fluctuations in interest rates, exchange rates, indices, etc., allowing depositors to obtain higher returns while assuming certain risks.

According to public data from the People's Bank of China, the scale of structured deposits of commercial banks in January 2019 was 10.98 trillion yuan, which was the third time after the explosion of structured deposits in 2018 that it exceeded 10 trillion yuan. close. Wind data shows that as of the end of April this year, the total size of structured deposits of large Chinese banks and small and medium-sized Chinese banks was 11.13 trillion yuan. Among them, the scale of structured deposits of large Chinese banks is 3.77 trillion yuan, and the scale of structured deposits of small and medium-sized Chinese banks is 7.36 trillion yuan.

The so-called foreign exchange structured deposits refer to embedding certain financial derivatives (mainly various options) on the basis of ordinary foreign exchange deposits, and linking them to fluctuations in interest rates, exchange rates, indices, etc. or to an entity. The credit status is linked to business products that allow depositors to obtain higher returns on the basis of bearing certain risks. It is a product transaction that combines fixed income products and options. Through the combination of options and fixed-income products, it creates a linkage effect between the investment returns of structured products and the price fluctuations of underlying related assets, which can achieve the function of protecting principal to a certain extent or obtaining higher investment returns.