Structured deposit can be understood as: ordinary deposit+high-risk investment; The investment scope includes financial derivatives such as stocks, foreign exchange, gold and interest rates. Depositors get corresponding income on the basis of taking certain risks.

Reference: Notice of the General Office of China Banking Regulatory Commission on Further Regulating the Structured Deposit Business of Commercial Banks [2065438+09] No.204/Xinwen/2065438+09-1018/content _ 5442092.htm.

Financial products can be divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products. From the perspective of institutions, it can be divided into banks, brokers, fund companies, insurance, and third-party financial management.

Structured deposits can be included in the scope of bank financing.