1. Structured deposits are linked to the exchange rate, that is, the structured deposit products launched by major banks are linked to foreign currencies such as the Australian dollar/US dollar, and innovative wealth management products combining the guaranteed income and floating income of foreign exchange options are designed, which are still attractive to investors in the context of falling interest rates and reduced risk sentiment in the money market.

2. At present, structured deposits launched by major banks have an initial deposit of more than 50,000 yuan, and the income will be higher than that of ordinary time deposits, up to about 5%.

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