The income of structured deposits is determined by the linked target and the investment period. The greater the income of the linked target, the higher the income of structured deposits, and the longer the investment period, the higher the income of structured deposits.
Structured deposit is an innovative deposit, which refers to the financial products with certain risks that 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 entities such as interest rates, exchange rates, stock prices, commodity prices, credit and indexes.
Structured deposits have the following two characteristics: beneficiaries.
1, capital preservation
The principal of structured deposits is usually 100% safe, and the risk borne by customers is that interest may be lost, but the principal will not be lost.
2. Poor liquidity
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 flow of funds when investing.
Extended data:
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 and 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.
In fact, structured deposits are not ordinary deposits, and they are also different from bank financing. Structured deposits are embedded with financial derivatives on the basis of deposits, which are linked to fluctuations in interest rates, exchange rates and indexes. Let depositors get higher returns on the basis of taking certain risks.
According to the public data of the People's Bank of China, the scale of structured deposits in commercial banks from 2065438 to June 2009 was 10.98 trillion yuan, which was the third time after the outbreak of structured deposits from 2065438 to June 2008. Wind data shows that at the end of April last year, the total structural deposits of large Chinese banks and small and medium-sized Chinese banks were 1 1. 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.