Foreign exchange financial products are mainly divided into two categories: fixed income foreign exchange financial products and foreign exchange structured financial products. Their respective advantages and disadvantages are as follows:

Fixed income products

1. Advantages: the income is higher than that of foreign exchange deposits in the same currency, and there is almost no risk of loss.

2. Disadvantages: Affected by interest rate cuts by central banks, the income level is reduced, mostly in the short term, and cannot be redeemed in advance.

Structured product

1. Advantages: the investment scope and linked derivatives are relatively wide, and the upper limit of expected income is high.

2. Disadvantages: the income risk is high, and there may be zero or even negative income. Can't be redeemed in advance.