1. What are the risks of structured deposits?
Structured deposits require higher expected returns, have a certain understanding of exchange rate and interest rate trends, and have the ability to bear certain risks, so there are certain risks. Although it is a deposit, the risk is much higher than that of a deposit.
2. What are the risks of structured deposits?
1) Insufficient risk disclosure
In order to attract customers, many banks will emphasize the advantages of principal guarantee, higher return on investment and more currency choices, but they will deliberately weaken the risks of customers, including rarely revealing the risk status when signing contracts. This behavior has seriously damaged the interests of customers.
2) Information asymmetry between banks and customers.
As an innovative deposit, the regulatory market of structured deposits is not standardized and perfect, and some banks will take advantage of these loopholes to speculate.
In addition, the foreign exchange interest rate market is unstable and investors are likely to lose money. The market information and investment management information obtained by banks cannot be effectively disclosed, which makes the information of both parties unequal and unfavorable to investors.
3) Vicious competition among banks has intensified.
With the development of the financial market, the competition among banks is constantly strengthened. As innovative deposits, many banks began to compete. In order to attract investors, banks began to raise the expected rate of return, but some banks were unable to repay because of the high expected return. Put forward the early termination of the agreement, so that investors suffer losses.
These are all views on the risks of structured deposits, and I hope they can help you. Warm reminder, financial management is risky and investment needs to be cautious.