Personal structured deposit refers to a deposit product in which the bank provides the depositor with a complete guarantee of the principal according to the relevant agreement in the specification, and pays the depositor with floating interest according to the price performance of the linked target, and the RMB is used as the trading currency, which is included in the deposit insurance category.

On the basis of ordinary foreign exchange deposits, banks sell some financial derivatives (mainly various options) to individuals, so that depositors can get higher returns on the basis of taking certain risks by linking them with fluctuations in interest rates, exchange rates and indexes. Or associated with the credit status of the entity.

Structured deposits cannot be withdrawn halfway. Because structured deposits have a fixed term, they cannot be withdrawn in advance. Its liquidity is relatively poor, precisely because customers are not allowed to withdraw the principal in advance during the structured deposit period. Therefore, customers should pay attention to the flow of funds when purchasing structured deposits.

There are generally several types of structured deposits introduced by banks, some of which have a term of only one month, two months or three months, and some have a term of six months or one year.

If the liquidity requirement is high, it is recommended to choose a product with a shorter term, generally 1 to 3 months, when purchasing structured deposits. If there is no requirement for liquidity, you can choose without considering the product term. You can choose products with a term of one or two months, or you can choose products with a term of six months or one year.