Structured deposits are not a new thing. As early as the end of 1990s, domestic banks introduced structured deposits, which is now its predecessor. However, because the profitability is not as good as the bank's capital preservation and wealth management, it has been tepid and its market share is very low. The so-called structured deposits are "savings stock index futures". It refers to a financial wealth management product in which part of the funds are used for savings and the other part is invested in derivative financial instruments linked to collateral such as annual interest rate, rate, individual stocks, products and personal credit. However, structured deposits are not "capital preservation" for investment and financial management, and there are still certain risks.

Only the part of the real structured deposits deposited by the project investment bank has no risk and is protected by the Deposit Insurance Regulations. Friendly reminder, remember that the guarantee of structured deposits refers to the part that guarantees bank deposits. What are its risks? In fact, the risk of structured deposits mainly lies in the proportion of funds invested in financial derivatives. If the proportion used to buy derivatives is larger, there may be more risks. From this perspective, investors, especially conservative investors, can directly adjust the protection level to 100% when ordering structured deposits, which is actually a "pure protection" type.

Investors who are brave enough to act can also order "partial capital preservation" products. The product logic of structured deposits is "traditional savings radical project investment". This structural combination not only ensures the safety of savings, but also improves the appreciation strength of savings. Let's actually look at what the structural solution logic of structured deposits is. The product logic of structured deposits is "traditional savings radical project investment". This structural combination not only ensures the safety of savings, but also improves the appreciation strength of savings.

Let's actually look at what the structural solution logic of structured deposits is. However, structured deposits are not real savings, and they cannot be understood as bank savings just because there is the word "savings" in the name. Structured deposit means that most of the investment amount is used for bank savings to ensure the safety of funds, while a small part is used for high-risk and high-return investments to improve the overall income.