Structured deposit, also known as income value-added products, is an innovative deposit that combines interest rate and exchange rate products with traditional deposit business.

This product is suitable for customers who have high income requirements, have a certain understanding of the trend of foreign exchange rate and interest rate, and have the ability to bear certain risks.

Compared with wealth management products, structured deposits are not deposits, but also wealth management products. Generally, banks will invest the money in two parts, one is the fixed-income product investment fund, to achieve capital preservation.

The other part is derivative investment, such as linking interest rates, exchange rates, commodities and options to obtain high returns.