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 or 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. [ 1]

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. The so-called foreign exchange structured deposit refers to a business product in which some financial derivatives (mainly various options) are embedded on the basis of ordinary foreign exchange deposits, and linked with fluctuations in interest rates, exchange rates, indexes, etc., so that depositors can obtain higher returns on the basis of taking certain risks. Or associated with the credit status of the entity. It is a product transaction that combines fixed income products and options. Through the combination of options and fixed-income products, the investment income of structured products has a linkage effect with the price fluctuation of related assets linked to the target, which can achieve the function of capital preservation or higher return on investment to a certain extent.