发布时间:2022-04-15 13:48:05
尊敬的客户:
以下是我行单位结构性存款产品2022年4月产品账单。其中,“账单日产品估值收益率”,是我行根据本期账单测算日该期结构性存款产品挂钩标的的市场变化情况测算,仅作参考,不代表本期产品实际到期收益情况。“挂钩标的市场观察水平”,在该结构性存款所挂钩的衍生产品到期前,为账单公布日上一日挂钩标的市场观察水平;在衍生产品到期后,为产品观察日挂钩标的市场观察水平。如有任何问题,欢迎拨打我行客户服务电话或联系我行网点工作人员。感谢您一直以来对威海市商业银行的支持!
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账单日:2022-4-15 |
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序号 |
业务编号 |
产品编号 |
起始日 |
到期日 |
期限(天) |
币种 |
预期收益率 |
金额 (万元) |
其中用于衍生品投资(万元) |
挂钩标的 |
产品观察日 |
起息日挂钩标的市场水平 |
挂钩标的市场观察水平 |
衍生品公允价值(元) |
账单日产品估值收益率(%) |
1 |
WJ20210416002 |
WKGJ2021023-365D |
2021/4/17 |
2022/4/17 |
365 |
人民币 |
2.1%/[3.5%-3.6%] |
8000 |
121.73 |
EUR/USD |
2021/5/14 |
1.1982 |
1.21335 |
0.00 |
3.5 |
2 |
WJ20210425004 |
WKGJ2021026-365D |
2021/4/27 |
2022/4/27 |
365 |
人民币 |
2.1%/[3.5%-3.6%] |
4950 |
81.35 |
EUR/USD |
2021/5/21 |
1.2076 |
1.21901 |
0.00 |
3.5 |
3 |
WJ20210425006 |
WKGJ2021026-365D |
2021/4/27 |
2022/4/27 |
365 |
人民币 |
2.1%/[3.5%-3.6%] |
4980 |
81.84 |
EUR/USD |
2021/5/21 |
1.2076 |
1.21901 |
0.00 |
3.5 |
4 |
WJ20210426002 |
WKGJ2021026-365D |
2021/4/28 |
2022/4/28 |
365 |
人民币 |
2.1%/[3.5%-3.6%] |
2000 |
32.87 |
EUR/USD |
2021/5/21 |
1.2097 |
1.21901 |
0.00 |
3.5 |
5 |
WJ20210423002 |
WKGJ2021027-365D |
2021/4/24 |
2022/4/24 |
365 |
人民币 |
2.1%/[3.95%-4.05%] |
2000 |
41.87 |
EUR/USD |
2021/5/21 |
1.20699 |
1.21901 |
0.00 |
3.95 |
6 |
WJ20210420004 |
WKGJ2021027-365D |
2021/5/1 |
2022/5/1 |
365 |
人民币 |
2.1%/[3.95%-4.05%] |
2500 |
52.33 |
EUR/USD |
2021/5/21 |
1.2094 |
1.21901 |
0.00 |
3.95 |
7 |
WJ20210423002 |
WKGJ2021027-365D |
2021/4/24 |
2022/4/24 |
365 |
人民币 |
2.1%/[3.95%-4.05%] |
2000 |
41.87 |
EUR/USD |
2021/5/21 |
1.20699 |
1.21901 |
0.00 |
3.95 |
8 |
WJ20210507003 |
WKGJ2021034-365D |
2021/5/9 |
2022/5/9 |
365 |
人民币 |
2.1%/[3.5%-3.6%] |
10000 |
152.17 |
EUR/USD |
2021/5/21 |
1.2149 |
1.21901 |
0.00 |
3.5 |
9 |
WJ20210508002 |
WKGJ2021034-365D |
2021/5/9 |
2022/5/9 |
365 |
人民币 |
2.1%/[3.5%-3.6%] |
7000 |
106.52 |
EUR/USD |
2021/5/21 |
1.2149 |
1.21901 |
0.00 |
3.5 |
10 |
WJ20210508003 |
WKGJ2021034-365D |
2021/5/11 |
2022/5/11 |
365 |
人民币 |
2.1%/[3.5%-3.6%] |
5000 |
82.17 |
EUR/USD |
2021/6/4 |
1.2172 |
1.2169 |
0.00 |
3.5 |
11 |
WJ20210510001 |
WKGJ2021034-365D |
2021/5/11 |
2022/5/11 |
365 |
人民币 |
2.1%/[3.5%-3.6%] |
5000 |
82.17 |
EUR/USD |
2021/6/4 |
1.2172 |
1.2169 |
0.00 |
3.5 |
12 |
WJ20210507001 |
WKGJ2021034-365D |
2021/5/12 |
2022/5/12 |
365 |
人民币 |
2.1%/[3.5%-3.6%] |
2000 |
32.87 |
EUR/USD |
2021/6/4 |
1.2078 |
1.2169 |
0.00 |
3.5 |
13 |
WJ20210513001 |
WKGJ2021040-365D |
2021/5/14 |
2022/5/14 |
365 |
人民币 |
2.1%/[3.6%-3.7%] |
2000 |
32.43 |
EUR/USD |
2021/6/4 |
1.21335 |
1.2169 |
0.00 |
3.6 |
14 |
WJ20210512007 |
WKGJ2021039-365D |
2021/5/15 |
2022/5/15 |
365 |
人民币 |
2.1%/3.9%/4% |
10000 |
180 |
EUR/USD |
2021/6/11 |
2.514 |
1.2102 |
0.00 |
3.9 |
15 |
WJ20210518001 |
WKGJ2021034-365D |
2021/5/20 |
2022/5/20 |
365 |
人民币 |
2.1%/[3.5%-3.6%] |
2000 |
32.87 |
EUR/USD |
2021/6/10 |
1.2209 |
1.21806 |
0.00 |
3.5 |
16 |
WJ20210517005 |
WKGJ2021039-365D |
2021/5/20 |
2022/5/20 |
365 |
人民币 |
2.1%/3.9%/4% |
30000 |
540 |
3M SHIBOR |
2021/7/21 |
2.497 |
2.402 |
0.00 |
3.9 |
17 |
WJ20210518009 |
WKGJ2021045-365D |
2021/5/22 |
2022/5/22 |
365 |
人民币 |
2.1%/[3.1%-3.2%] |
5000 |
62.17 |
EUR/USD |
2021/6/10 |
1.21901 |
1.21806 |
0.00 |
3.1 |
18 |
WJ20210520001 |
WKGJ2021046-365D |
2021/5/22 |
2022/5/22 |
365 |
人民币 |
2.1%/3.1%/3.2% |
2000 |
20 |
3M SHIBOR |
2021/6/29 |
2.49 |
1.19105 |
0.00 |
3.1 |
19 |
WJ20210518007 |
WKGJ2021039-365D |
2021/5/25 |
2022/5/25 |
365 |
人民币 |
2.1%/[3.9%-4%] |
30000 |
613 |
EUR/USD |
2021/6/10 |
1.2237 |
1.21806 |
0.00 |
3.9 |
20 |
WJ20210527001 |
WKGJ2021045-365D |
2021/5/29 |
2022/5/29 |
365 |
人民币 |
2.1%/[3.1%-3.2%] |
5000 |
62.17 |
EUR/USD |
2021/6/18 |
1.2188 |
1.18542 |
0.00 |
3.1 |
21 |
WJ20210608005 |
WKGJ2021057-365D |
2021/6/10 |
2022/6/10 |
365 |
人民币 |
2.1%/[3.1%-3.2%] |
5200 |
58.33 |
EUR/USD |
2021/6/29 |
1.21806 |
1.19105 |
0.00 |
3.1 |
22 |
WJ20210609004 |
WKGJ2021057-365D |
2021/6/10 |
2022/6/10 |
365 |
人民币 |
2.1%/[3.1%-3.2%] |
2500 |
28.04 |
EUR/USD |
2021/6/29 |
1.21806 |
1.19105 |
0.00 |
3.1 |
23 |
WJ20210611005 |
WKGJ2021056-365D |
2021/6/12 |
2022/6/12 |
365 |
人民币 |
2.1%/[3.5%-3.6%] |
10000 |
152.17 |
EUR/USD |
2021/7/7 |
1.2102 |
1.1805 |
0.00 |
3.5 |
24 |
WJ20210615001 |
WKGJ2021061-365D |
2021/6/17 |
2022/6/17 |
365 |
人民币 |
2.1%/[3.2%-3.3%] |
3000 |
36.65 |
EUR/USD |
2021/7/7 |
1.19364 |
1.1805 |
0.00 |
3.2 |
25 |
WJ20210608002 |
WKGJ2021058-365D |
2021/6/19 |
2022/6/19 |
365 |
人民币 |
2.1%/[3.9%-4%] |
30000 |
613 |
EUR/USD |
2021/6/29 |
1.18542 |
1.19105 |
0.00 |
3.9 |
26 |
WJ20210621002 |
WKGJ2021058-365D |
2021/6/23 |
2022/6/23 |
365 |
人民币 |
2.1%/[3.9%-4%] |
30000 |
613 |
EUR/USD |
2021/7/9 |
1.19625 |
1.18667 |
0.00 |
3.9 |
27 |
WJ20210622002 |
WKGJ2021066-365D |
2021/6/24 |
2022/6/24 |
365 |
人民币 |
2.1%/[3.1%-3.2%] |
10000 |
112.17 |
EUR/USD |
2021/7/9 |
1.19255 |
1.18667 |
0.00 |
3.1 |
28 |
WJ20210623003 |
WKGJ2021066-365D |
2021/6/25 |
2022/6/25 |
365 |
人民币 |
2.1%/3.1%/3.2% |
2000 |
23 |
EUR/USD |
2021/12/22 |
1.1942 |
1.13123 |
0.00 |
3.1 |
29 |
WJ20210624003 |
WKGJ2021066-365D |
2021/6/26 |
2022/6/26 |
365 |
人民币 |
2.1%/3.1%/3.2% |
3000 |
34.5 |
EUR/USD |
2021/12/27 |
1.1927 |
1.13171 |
0.00 |
3.1 |
30 |
WJ20210625002 |
WKGJ2021065-365 |
2021/6/26 |
2022/6/26 |
365 |
人民币 |
2.1%/3.5%/3.6% |
40000 |
620 |
EUR/USD |
2021/12/27 |
1.1927 |
1.13171 |
0.00 |
3.5 |
31 |
WJ20210625006 |
WKGJ2021068-365 |
2021/6/26 |
2022/6/26 |
365 |
人民币 |
2.1%/3.85%/3.95% |
10556 |
200.56 |
EUR/USD |
2021/12/27 |
1.1927 |
1.13171 |
0.00 |
3.85 |
32 |
WJ20210628004 |
WKGJ2021072-365D |
2021/6/29 |
2022/6/29 |
365 |
人民币 |
2.1%/3.5%/3.6% |
20000 |
320 |
EUR/USD |
2021/12/27 |
1.1917 |
1.13171 |
0.00 |
3.5 |
33 |
WJ20210702001 |
WKGJ2021076-365D |
2021/7/3 |
2022/7/3 |
365 |
人民币 |
2.1%/[3.9%-4%] |
28000 |
572.13 |
EUR/USD |
2021/9/27 |
1.1843 |
1.17042 |
0.00 |
3.9 |
34 |
WJ20210702003 |
WKGJ2021079-365D |
2021/7/6 |
2022/7/6 |
365 |
人民币 |
2.25%/[3.2%-3.3%] |
10000 |
110.21 |
EUR/USD |
2021/9/27 |
1.18314 |
1.17042 |
0.00 |
3.2 |
35 |
WJ20210714004 |
WKGJ2021078-365D |
2021/7/16 |
2022/7/16 |
365 |
人民币 |
2.25%/[3.1%-3.2%] |
5000 |
50.1 |
EUR/USD |
2021/9/7 |
1.18001 |
1.18392 |
0.00 |
3.1 |
36 |
WJ20210726004 |
WKGJ2021085-365D |
2021/7/27 |
2022/7/27 |
365 |
人民币 |
2.25%/[3.1%-3.2%] |
16000 |
160.33 |
EUR/USD |
2021/10/14 |
1.17991 |
1.1587 |
0.00 |
3.1 |
37 |
WJ20210730001 |
WKGJ2021093-365D |
2021/8/3 |
2022/8/3 |
365 |
人民币 |
2.25%/3.1%/3.2% |
4500 |
47.25 |
EUR/USD |
2021/12/27 |
1.18755 |
1.13171 |
0.00 |
3.1 |
38 |
WJ20210813004 |
WKGJ2021098-365D |
2021/8/14 |
2022/8/14 |
365 |
人民币 |
2.25%/2.9%/3% |
5000 |
42.5 |
EUR/USD |
2021/12/27 |
1.17985 |
1.13171 |
0.00 |
2.9 |
39 |
WJ20210817001 |
WKGJ2021100-365D |
2021/8/18 |
2022/8/18 |
365 |
人民币 |
2.25%/3.5%/3.6% |
2000 |
27 |
EUR/USD |
2021/12/27 |
1.17165 |
1.13171 |
0.00 |
3.5 |
40 |
WJ20210826008 |
WKGJ2021098-365D |
2021/8/28 |
2022/8/28 |
365 |
人民币 |
2.25%/2.9%/3% |
5000 |
37.5 |
EUR/USD |
2021/12/27 |
1.18065 |
1.13171 |
0.00 |
2.9 |
41 |
WJ20210901001 |
WKGJ2021111-365D |
2021/9/3 |
2022/9/3 |
365 |
人民币 |
1.7%/3.3%/3.6% |
20000 |
360 |
EUR/USD |
2021/12/27 |
1.18825 |
1.13171 |
0.00 |
3.3 |
42 |
WJ20210906002 |
WKGJ2021113-365D |
2021/9/9 |
2022/9/9 |
365 |
人民币 |
1.4375%/3.8%/3.9% |
10000 |
241.25 |
EUR/USD |
2021/11/26 |
1.18205 |
1.1294 |
0.00 |
1.4375 |
43 |
WJ20210907002 |
WKGJ2021115-365D |
2021/9/9 |
2022/9/9 |
365 |
人民币 |
2.1%/3.5%/3.7% |
10000 |
155 |
EUR/USD |
2022/6/14 |
1.18205 |
1.07960 |
1320622.82 |
3.42 |
44 |
WJ20211025001 |
WKGJ2021134-180D |
2021/10/26 |
2022/4/24 |
180 |
人民币 |
1.47%/3.65%/3.95% |
10000 |
114.9 |
EUR/USD |
2022/4/14 |
1.16045 |
1.0796 |
0.00 |
3.65 |
45 |
WJ20211025002 |
WKGJ2021132-180D |
2021/10/27 |
2022/4/25 |
180 |
人民币 |
1.82%/3.3%/3.5% |
2000 |
16.08 |
EUR/USD |
2022/4/14 |
1.15985 |
1.0796 |
0.00 |
3.3 |
46 |
WJ20211028010 |
WKGJ2021138-365D |
2021/11/2 |
2022/11/2 |
365 |
人民币 |
1.19%/4.41%/4.71% |
40000 |
1368 |
EUR/USD |
2022/10/20 |
1.15975 |
1.07960 |
10523143.30 |
3.82 |
47 |
WJ20211028012 |
WKGJ2021138-365D |
2021/11/2 |
2022/11/2 |
365 |
人民币 |
1.19%/4.41%/4.71% |
11000 |
376.2 |
EUR/USD |
2022/10/20 |
1.15975 |
1.07960 |
2893864.41 |
3.82 |
48 |
WJ20211028011 |
WKGJ2021138-365D |
2021/11/2 |
2022/11/2 |
365 |
人民币 |
1.19%/4.41%/4.71% |
20000 |
684 |
EUR/USD |
2022/10/20 |
1.15975 |
1.07960 |
5261571.65 |
3.82 |
49 |
WJ20211104003 |
WKGJ2021143-180D |
2021/11/6 |
2022/5/5 |
180 |
人民币 |
1.82%/3.3%/3.5% |
2700 |
21.04 |
EUR/USD |
2022/4/25 |
1.15545 |
1.07960 |
119933.31 |
2.72 |
50 |
WJ20211104001 |
WKGJ2021145-273D |
2021/11/6 |
2022/8/6 |
273 |
人民币 |
1.37%/3.85%/4.15% |
40000 |
801.8 |
EUR/USD |
2022/7/27 |
1.15545 |
1.07960 |
4506571.78 |
2.88 |
51 |
WJ20211104002 |
WKGJ2021145-181D |
2021/11/6 |
2022/5/6 |
181 |
人民币 |
1.32%/3.8%/4.1% |
20000 |
265.8 |
EUR/USD |
2022/4/25 |
1.15545 |
1.07960 |
1496932.33 |
2.83 |
52 |
WJ20211110002 |
WKGJ2021146-180D |
2021/11/12 |
2022/5/11 |
180 |
人民币 |
1.32%/3.8%/% |
10000 |
132.16 |
EUR/USD |
2022/4/27 |
1.14385 |
1.07960 |
1023380.10 |
3.4 |
53 |
WJ20211112003 |
WKGJ2021143-365D |
2021/11/13 |
2022/11/13 |
365 |
人民币 |
2.1%/3.5%/3.7% |
10000 |
152 |
EUR/USD |
2022/11/2 |
1.14595 |
1.07960 |
1189283.35 |
3.29 |
54 |
WJ20211116003 |
WKGJ2021147-365D |
2021/11/17 |
2022/11/17 |
365 |
人民币 |
2.1%/3.5%/3.7% |
3000 |
45.6 |
EUR/USD |
2022/11/2 |
1.13225 |
1.07960 |
324038.91 |
3.18 |
55 |
WJ20211118001 |
WKGJ2021147-180D |
2021/11/20 |
2022/5/19 |
180 |
人民币 |
1.82%/3.3%/3.5% |
10000 |
78.9 |
EUR/USD |
2022/5/11 |
1.12695 |
1.07960 |
660773.19 |
3.16 |
56 |
WJ20211119001 |
WKGJ2021147-365D |
2021/11/20 |
2022/11/20 |
365 |
人民币 |
2.1%/3.5%/3.7% |
20000 |
304 |
EUR/USD |
2022/11/7 |
1.12695 |
1.07960 |
2497006.15 |
3.35 |
57 |
WJ20211122002 |
WKGJ2021147-365D |
2021/11/23 |
2022/11/23 |
365 |
人民币 |
2.1%/3.5%/3.7% |
3000 |
45.6 |
EUR/USD |
2022/11/7 |
1.12375 |
1.07960 |
374144.77 |
3.35 |
58 |
WJ20211123006 |
WKGJ2021147-365D |
2021/11/24 |
2022/11/24 |
365 |
人民币 |
2.1%/3.5%/3.7% |
2000 |
30.4 |
EUR/USD |
2022/11/9 |
1.12395 |
1.07960 |
249141.10 |
3.35 |
59 |
WJ20211123009 |
WKGJ2021147-365D |
2021/11/25 |
2022/11/25 |
365 |
人民币 |
2.1%/3.5%/3.7% |
3000 |
45.6 |
EUR/USD |
2022/11/9 |
1.12065 |
1.07960 |
375970.73 |
3.35 |
60 |
WJ20211129002 |
WKGJ2021147-365D |
2021/11/30 |
2022/11/30 |
365 |
人民币 |
2.1%/3.5%/3.7% |
2000 |
30.4 |
EUR/USD |
2022/11/14 |
1.12935 |
1.07960 |
245924.67 |
3.33 |
61 |
WJ20211201001 |
WKGJ2021155-365D |
2021/12/2 |
2022/12/2 |
365 |
人民币 |
2%/3.4%/3.6% |
1200 |
18.24 |
EUR/USD |
2022/11/16 |
1.1328 |
1.07960 |
146207.30 |
3.22 |
62 |
WJ20211201005 |
WKGJ2021157-180D |
2021/12/4 |
2022/6/2 |
180 |
人民币 |
1.62%/3.5%/3.8% |
2000 |
20.02 |
EUR/USD |
2022/5/25 |
1.12945 |
1.07960 |
160828.27 |
3.25 |
63 |
WJ20211207002 |
WKGJ2021159-365D |
2021/12/9 |
2022/12/9 |
365 |
人民币 |
1.19%/4.41%/4.71% |
50000 |
1735 |
EUR/USD |
2022/11/23 |
1.13345 |
1.07960 |
13960374.58 |
3.98 |
64 |
WJ20211210002 |
WKGJ2021160-365D |
2021/12/11 |
2022/12/11 |
365 |
人民币 |
1.7%/3.2%/3.4% |
3000 |
49.5 |
EUR/USD |
2022/11/25 |
1.13055 |
1.07960 |
392836.26 |
3.01 |
65 |
WJ20211213005 |
WKGJ2021154-180D |
2021/12/15 |
2022/6/13 |
180 |
人民币 |
1.82%/3.3%/3.5% |
10000 |
80.38 |
EUR/USD |
2022/6/1 |
1.12685 |
1.07960 |
625317.92 |
3.09 |
66 |
WJ20211215001 |
WKGJ2021162-365D |
2021/12/17 |
2022/12/17 |
365 |
人民币 |
2.1%/3.5%/3.7% |
3000 |
46.5 |
EUR/USD |
2022/11/25 |
1.13225 |
1.07960 |
365124.42 |
3.32 |
67 |
WJ20211216002 |
WKGJ2021161-365D |
2021/12/18 |
2022/12/18 |
365 |
人民币 |
1.6%/3%/3.2% |
3000 |
46.5 |
EUR/USD |
2022/12/1 |
1.12385 |
1.07960 |
371878.16 |
2.84 |
68 |
WJ20211217001 |
WKGJ2021162-180D |
2021/12/21 |
2022/6/19 |
180 |
人民币 |
1.82%/3.3%/3.5% |
2000 |
16.08 |
EUR/USD |
2022/6/6 |
1.12825 |
1.07960 |
123443.26 |
3.07 |
69 |
WJ20211217003 |
WKGJ2021162-365D |
2021/12/21 |
2022/12/21 |
365 |
人民币 |
2.1%/3.5%/3.7% |
3000 |
46.5 |
EUR/USD |
2022/12/1 |
1.12825 |
1.07960 |
368303.31 |
3.33 |
70 |
WJ20211217004 |
WKGJ2021162-365D |
2021/12/21 |
2022/12/21 |
365 |
人民币 |
2.1%/3.5%/3.7% |
2000 |
31 |
EUR/USD |
2022/12/1 |
1.12825 |
1.07960 |
245535.54 |
3.5 |
71 |
WJ20211221001 |
WKGJ2021166-365D |
2021/12/23 |
2022/12/23 |
365 |
人民币 |
1.15%/2.55%/2.7% |
2000 |
30.4 |
EUR/USD |
2022/12/1 |
1.1341 |
1.07960 |
241991.35 |
2.36 |
72 |
WJ20211222002 |
WKGJ2021167-365D |
2021/12/24 |
2022/12/24 |
365 |
人民币 |
1.9%/[3.3%-3.5%] |
5000 |
77.6 |
EUR/USD |
2022/12/1 |
1.133 |
1.07960 |
649216.45 |
3.2 |
73 |
WJ20211222003 |
WKGJ2021165-365D |
2021/12/24 |
2022/12/24 |
365 |
人民币 |
1.7%/[3.1%-3.3%] |
20000 |
310.42 |
EUR/USD |
2022/12/1 |
1.133 |
1.07960 |
2719741.47 |
3.06 |
74 |
WJ20211223001 |
WKGJ2021162-180D |
2021/12/25 |
2022/6/23 |
180 |
人民币 |
1.82%/3.3%/3.5% |
1500 |
12.06 |
EUR/USD |
2022/6/8 |
1.1318 |
1.07960 |
91422.37 |
3.06 |
75 |
WJ20211224004 |
WKGJ2021165-365D |
2021/12/25 |
2022/12/25 |
365 |
人民币 |
1.7%/3.1%/3.3% |
1000 |
15.5 |
EUR/USD |
2022/12/5 |
1.1318 |
1.07960 |
121724.52 |
2.92 |
76 |
WJ20211227001 |
WKGJ2021162-180D |
2021/12/29 |
2022/6/27 |
180 |
人民币 |
1.82%/3.3%/3.5% |
1000 |
8.04 |
EUR/USD |
2022/6/9 |
1.13015 |
1.07960 |
61481.69 |
3.07 |
77 |
WJ20211228001 |
WKGJ2021165-365D |
2021/12/29 |
2022/12/29 |
365 |
人民币 |
1.7%/3.1%/3.3% |
12000 |
186 |
EUR/USD |
2022/12/6 |
1.13015 |
1.07960 |
1465882.33 |
2.92 |
78 |
WJ20211228004 |
WKGJ2021162-180D |
2021/12/30 |
2022/6/28 |
180 |
人民币 |
1.82%/[3.3%-3.5%] |
1000 |
8.05 |
EUR/USD |
2022/6/10 |
1.13056 |
1.07960 |
72868.94 |
3.3 |
79 |
WJ20211228007 |
WKGJ2021165-365D |
2021/12/30 |
2022/12/30 |
365 |
人民币 |
1.7%/[3.1%-3.3%] |
1000 |
15.52 |
EUR/USD |
2022/12/6 |
1.13056 |
1.07960 |
135844.83 |
3.06 |
80 |
WJ20220105005 |
WKGJ2022002-180D |
2022/1/7 |
2022/7/6 |
180 |
人民币 |
1.72%/3.4%/3.6% |
10000 |
91.73 |
EUR/USD |
2022/6/21 |
1.13 |
1.07960 |
653574.10 |
3.05 |
81 |
WJ20220105008 |
WKGJ2022004-365D |
2022/1/7 |
2023/1/7 |
365 |
人民币 |
1.6%/3%/3.2% |
20000 |
316 |
EUR/USD |
2022/12/12 |
1.13 |
1.07960 |
2405236.81 |
2.8 |
82 |
WJ20220107003 |
WKGJ2022004-365D |
2022/1/9 |
2023/1/9 |
365 |
人民币 |
1.6%/3%/3.2% |
10500 |
165.9 |
EUR/USD |
2022/12/12 |
1.13505 |
1.07960 |
1246178.91 |
2.79 |
83 |
WJ20220110001 |
WKGJ2022005-365D |
2022/1/12 |
2023/1/12 |
365 |
人民币 |
1.8%/3.2%/3.4% |
3000 |
47.4 |
EUR/USD |
2022/12/12 |
1.13695 |
1.07960 |
353989.34 |
2.98 |
84 |
WJ20220111004 |
WKGJ2022005-365D |
2022/1/13 |
2023/1/13 |
365 |
人民币 |
1.8%/3.2%/3.4% |
10000 |
158 |
EUR/USD |
2022/12/12 |
1.14375 |
1.07960 |
1153205.84 |
2.95 |
85 |
WJ20220110003 |
WKGJ2021162-180D |
2022/1/13 |
2022/7/12 |
180 |
人民币 |
1.82%/3.3%/3.5% |
4000 |
32.75 |
EUR/USD |
2022/6/21 |
1.14375 |
1.07960 |
198694.11 |
2.83 |
86 |
WJ20220111003 |
WKGJ2021162-180D |
2022/1/15 |
2022/7/14 |
180 |
人民币 |
1.82%/3.3%/3.5% |
2000 |
16.37 |
EUR/USD |
2022/6/21 |
1.14045 |
1.07960 |
103832.26 |
2.87 |
87 |
WJ20220113008 |
WKGJ2021162-365D |
2022/1/15 |
2023/1/15 |
365 |
人民币 |
2.1%/3.5%/3.7% |
1000 |
15.8 |
EUR/USD |
2022/12/14 |
1.14045 |
1.07960 |
115457.62 |
3.25 |
88 |
WJ20220113003 |
WKGJ2021162-90D |
2022/1/18 |
2022/4/18 |
90 |
人民币 |
1.54%/3.1%/3.3% |
1500 |
6.44 |
EUR/USD |
2022/3/28 |
1.14195 |
1.0971 |
0.00 |
1.54 |
89 |
WJ20220119002 |
WKGJ2022007-365D |
2022/1/22 |
2023/1/22 |
365 |
人民币 |
1.7%/3.9%/4.1% |
7000 |
166.6 |
EUR/USD |
2022/12/16 |
1.13365 |
1.07960 |
1296347.67 |
3.55 |
90 |
WJ20220119003 |
WKGJ2022006-365D |
2022/1/22 |
2023/1/22 |
365 |
人民币 |
2.1%/3.5%/3.7% |
2000 |
31.6 |
EUR/USD |
2022/12/16 |
1.13365 |
1.07960 |
235899.40 |
3.28 |
91 |
WJ20220125002 |
WKGJ2022010-90D |
2022/1/26 |
2022/4/26 |
90 |
人民币 |
1.14%/3.5%/3.7% |
6000 |
37.58 |
EUR/USD |
2022/4/6 |
1.13045 |
1.091 |
0.00 |
3.5 |
92 |
WJ20220125004 |
WKGJ2022009-180D |
2022/1/26 |
2022/7/25 |
180 |
人民币 |
1.12%/4%/4.3% |
30000 |
463.07 |
EUR/USD |
2022/6/23 |
1.13045 |
1.07960 |
3349762.38 |
3.38 |
93 |
WJ20220125009 |
WKGJ2022006-90D |
2022/1/27 |
2022/4/27 |
90 |
人民币 |
1.54%/3.1%/3.3% |
2000 |
8.58 |
EUR/USD |
2022/4/6 |
1.12325 |
1.091 |
0.00 |
3.1 |
94 |
WJ20220207002 |
WKGJ2022006-90D |
2022/2/8 |
2022/5/9 |
90 |
人民币 |
1.54%/3.1%/3.3% |
2000 |
8.58 |
EUR/USD |
2022/4/14 |
1.1437 |
1.0796 |
0.00 |
1.54 |
95 |
WJ20220211002 |
WKGJ2022006-60D |
2022/2/15 |
2022/4/16 |
60 |
人民币 |
1.54%/3%/3.2% |
1000 |
2.7 |
EUR/USD |
2022/3/24 |
1.131 |
1.1004 |
0.00 |
1.54 |
96 |
WJ20220214001 |
WKGJ2022006-60D |
2022/2/17 |
2022/4/18 |
60 |
人民币 |
1.54%/3%/3.2% |
1000 |
2.7 |
EUR/USD |
2022/3/24 |
1.13815 |
1.1004 |
0.00 |
1.54 |
97 |
WJ20220214002 |
WKGJ2022006-90D |
2022/2/17 |
2022/5/18 |
90 |
人民币 |
1.54%/3.1%/3.3% |
1000 |
4.29 |
EUR/USD |
2022/4/14 |
1.13815 |
1.0796 |
0.00 |
1.54 |
98 |
WJ20220215007 |
WKGJ2022018-118D |
2022/2/17 |
2022/6/15 |
118 |
人民币 |
0.4%/4%/4.45% |
20000 |
255.4 |
EUR/USD |
2022/5/18 |
1.13815 |
1.07960 |
965466.70 |
1.89 |
99 |
WJ20220215001 |
WKGJ2022016-91D |
2022/2/18 |
2022/5/20 |
91 |
人民币 |
0.5%/3.8%/4.25% |
10000 |
91 |
EUR/USD |
2022/4/14 |
1.13685 |
1.0796 |
0.00 |
3.8 |
100 |
WJ20220215002 |
WKGJ2022017-126D |
2022/2/18 |
2022/6/24 |
126 |
人民币 |
0.6%/3.8%/4.25% |
20000 |
245.1 |
EUR/USD |
2022/5/23 |
1.13685 |
1.07960 |
1630623.66 |
2.96 |
101 |
WJ20220216002 |
WKGJ2022019-117D |
2022/2/18 |
2022/6/15 |
117 |
人民币 |
0.4%/4%/4.45% |
30000 |
379.85 |
EUR/USD |
2022/5/18 |
1.13685 |
1.07960 |
1509569.40 |
1.97 |
102 |
WJ20220217001 |
WKGJ2022021-116D |
2022/2/19 |
2022/6/15 |
116 |
人民币 |
0.4%/4%/4.45% |
10000 |
125.53 |
EUR/USD |
2022/5/18 |
1.13535 |
1.07960 |
527014.02 |
2.06 |
103 |
WJ20220218001 |
WKGJ2022020-270D |
2022/2/22 |
2022/11/19 |
270 |
人民币 |
1.17%/3.6%/4.05% |
15000 |
308.47 |
EUR/USD |
2022/10/11 |
1.13045 |
1.07960 |
527014.02 |
1.64 |
104 |
WJ20220218002 |
WKGJ2022006-90D |
2022/2/22 |
2022/5/23 |
90 |
人民币 |
1.54%/3.1%/3.3% |
2000 |
8.58 |
EUR/USD |
2022/4/27 |
1.13045 |
1.07960 |
11765.11 |
1.78 |
105 |
WJ20220225002 |
WKGJ2022006-90D |
2022/2/26 |
2022/5/27 |
90 |
人民币 |
1.54%/3.1%/3.3% |
3000 |
12.87 |
EUR/USD |
2022/5/11 |
1.1173 |
1.07960 |
57635.07 |
2.32 |
106 |
WJ20220225003 |
WKGJ2022020-270D |
2022/2/26 |
2022/11/23 |
270 |
人民币 |
1.17%/3.6%/4.05% |
5000 |
102.82 |
EUR/USD |
2022/10/17 |
1.1173 |
1.07960 |
739267.71 |
3.17 |
107 |
WJ20220228003 |
WKGJ2022023-90D |
2022/3/1 |
2022/5/30 |
90 |
人民币 |
1.2%/3.1%/3.45% |
2000 |
10.6 |
EUR/USD |
2022/5/11 |
1.1202 |
1.07960 |
41836.27 |
2.05 |
108 |
WJ20220225004 |
WKGJ2022022-365D |
2022/3/1 |
2023/3/1 |
365 |
人民币 |
1.09%/4.51%/4.96% |
40000 |
1508 |
EUR/USD |
2022/12/12 |
1.1202 |
1.07960 |
11128978.49 |
3.87 |
109 |
WJ20220302006 |
WKGJ2022023-180D |
2022/3/5 |
2022/9/1 |
180 |
人民币 |
1.57%/3.3%/3.65% |
10000 |
97.64 |
EUR/USD |
2022/8/2 |
1.08415 |
1.07960 |
803298.94 |
3.2 |
110 |
WJ20220303001 |
WKGJ2022023-365D |
2022/3/5 |
2023/3/5 |
365 |
人民币 |
1.75%/3.5%/3.85% |
2000 |
40 |
EUR/USD |
2022/12/12 |
1.08415 |
1.07960 |
311114.87 |
3.31 |
111 |
WJ20220304001 |
WKGJ2022023-90D |
2022/3/8 |
2022/6/6 |
90 |
人民币 |
1.2%/3.1%/3.45% |
2000 |
10.6 |
EUR/USD |
2022/5/13 |
1.0874 |
1.07960 |
81866.72 |
2.86 |
112 |
WJ20220309002 |
WKGJ2022023-90D |
2022/3/10 |
2022/6/8 |
90 |
人民币 |
1.2%/3.1%/3.45% |
1000 |
5.3 |
EUR/USD |
2022/5/13 |
1.10505 |
1.07960 |
32689.58 |
2.53 |
113 |
WJ20220316004 |
WKGJ2022027-90D |
2022/3/18 |
2022/6/16 |
90 |
人民币 |
1.1%/3.5%/3.95% |
5000 |
33.9 |
EUR/USD |
2022/5/18 |
1.1088 |
1.07960 |
205644.68 |
2.77 |
114 |
WJ20220316002 |
WKGJ2022023-180D |
2022/3/18 |
2022/9/14 |
180 |
人民币 |
1.57%/3.3%/3.65% |
5000 |
48.82 |
EUR/USD |
2022/8/8 |
1.1088 |
1.07960 |
324853.72 |
2.89 |
115 |
WJ20220316003 |
WKGJ2022026-270D |
2022/3/18 |
2022/12/13 |
270 |
人民币 |
1.17%/3.6%/4.05% |
14000 |
287.9 |
EUR/USD |
2022/10/21 |
1.1088 |
1.07960 |
2135207.73 |
3.23 |
116 |
WJ20220321003 |
WKGJ2022028-365D |
2022/3/23 |
2023/3/23 |
365 |
人民币 |
1.45%/2.9%/3.35% |
10000 |
180 |
EUR/USD |
2022/12/14 |
1.1025 |
1.07960 |
1188203.25 |
2.64 |
117 |
WJ20220323002 |
WKGJ2022023-180D |
2022/3/25 |
2022/9/21 |
180 |
人民币 |
1.57%/3.3%/3.65% |
1000 |
9.76 |
EUR/USD |
2022/8/15 |
1.1032 |
1.07960 |
66200.23 |
2.91 |
118 |
WJ20220322006 |
WKGJ2022023-180D |
2022/3/25 |
2022/9/21 |
180 |
人民币 |
1.57%/3.3%/3.65% |
2000 |
19.53 |
EUR/USD |
2022/8/15 |
1.1032 |
1.07960 |
132400.46 |
2.91 |
119 |
WJ20220322004 |
WKGJ2022028-365D |
2022/3/26 |
2023/3/26 |
365 |
人民币 |
1.45%/2.9%/3.35% |
3000 |
54 |
EUR/USD |
2022/12/14 |
1.09555 |
1.07960 |
366703.29 |
2.67 |
120 |
WJ20220323003 |
WKGJ2022028-365D |
2022/3/26 |
2023/3/26 |
365 |
人民币 |
1.45%/2.9%/3.35% |
2700 |
48.6 |
EUR/USD |
2022/12/14 |
1.09555 |
1.07960 |
330032.97 |
2.67 |
121 |
WJ20220325001 |
WKGJ2022030-180D |
2022/3/26 |
2022/9/22 |
180 |
人民币 |
1.47%/3.55%/4% |
8000 |
95.87 |
EUR/USD |
2022/8/15 |
1.09555 |
1.07960 |
672064.91 |
3.17 |
122 |
WJ20220328001 |
WKGJ2022029-60D |
2022/3/30 |
2022/5/29 |
60 |
人民币 |
1%/3.5%/3.95% |
2000 |
9.37 |
EUR/USD |
2022/5/11 |
1.11025 |
1.07960 |
46702.34 |
2.42 |
123 |
WJ20220329004 |
WKGJ2022031-180D |
2022/3/31 |
2022/9/27 |
180 |
人民币 |
1.47%/3.7%/4.15% |
10000 |
127.23 |
EUR/USD |
2022/8/17 |
1.11775 |
1.07960 |
713957.95 |
2.92 |
124 |
WJ20220330006 |
WKGJ2022034-70D |
2022/4/1 |
2022/6/10 |
70 |
人民币 |
1.1%/3.55%/4% |
10000 |
53.7 |
EUR/USD |
2022/5/13 |
1.10715 |
1.07960 |
281627.68 |
2.57 |
125 |
WJ20220330005 |
WKGJ2022032-30D |
2022/4/1 |
2022/5/1 |
30 |
人民币 |
1.3%/3.5%/3.95% |
10000 |
20.96 |
EUR/USD |
2022/4/14 |
1.10715 |
1.0796 |
0.00 |
1.3 |
126 |
WJ20220330003 |
WKGJ2022032-30D |
2022/4/3 |
2022/5/3 |
30 |
人民币 |
1.3%/3.5%/3.95% |
7000 |
14.67 |
EUR/USD |
2022/4/21 |
1.08925 |
1.07960 |
104694.87 |
3.12 |
127 |
WJ20220330004 |
WKGJ2022033-30D |
2022/4/3 |
2022/5/3 |
30 |
人民币 |
1.3%/3.3%/3.75% |
4000 |
7.73 |
EUR/USD |
2022/4/21 |
1.08925 |
1.07960 |
54467.65 |
2.96 |
128 |
WJ20220401001 |
WKGJ2022036-90D |
2022/4/3 |
2022/7/2 |
90 |
人民币 |
1.1%/3.5%/3.95% |
10000 |
67.81 |
EUR/USD |
2022/6/8 |
1.08925 |
1.07960 |
490049.87 |
3.09 |
129 |
WJ20220401004 |
WKGJ2022037-266D |
2022/4/3 |
2022/12/25 |
266 |
人民币 |
1.37%/3.3%/3.65% |
5000 |
79.44 |
EUR/USD |
2022/11/14 |
1.08925 |
1.07960 |
597474.84 |
3.01 |
130 |
WJ20220403001 |
WKGJ2022023-60D |
2022/4/7 |
2022/6/6 |
60 |
人民币 |
1.2%/3%/3.35% |
1500 |
5.05 |
EUR/USD |
2022/5/13 |
1.091 |
1.07960 |
35566.60 |
2.64 |
131 |
WJ20220406003 |
WKGJ2022035-30D |
2022/4/9 |
2022/5/9 |
30 |
人民币 |
1.3%/3.5%/3.95% |
10000 |
20.96 |
EUR/USD |
2022/4/26 |
1.0889 |
1.07960 |
146286.40 |
3.08 |
132 |
WJ20220407001 |
WKGJ2022031-180D |
2022/4/9 |
2022/10/6 |
180 |
人民币 |
1.47%/3.7%/4.15% |
5000 |
63.62 |
EUR/USD |
2022/9/1 |
1.0889 |
1.07960 |
460106.63 |
3.34 |
133 |
WJ20220408001 |
WKGJ2022039-270D |
2022/4/12 |
2023/1/7 |
270 |
人民币 |
1.17%/3.6%/4.05% |
20000 |
411.29 |
EUR/USD |
2022/11/14 |
1.0871 |
1.07960 |
3315484.45 |
3.41 |
134 |
WJ20220411003 |
WKGJ2022038-365D |
2022/4/12 |
2023/4/12 |
365 |
人民币 |
1.45%/2.9%/3.35% |
5000 |
90 |
EUR/USD |
2022/12/14 |
1.0871 |
1.07960 |
667623.05 |
2.79 |
135 |
WJ20220412001 |
WKGJ2022038-365D |
2022/4/13 |
2023/4/13 |
365 |
人民币 |
1.45%/2.9%/3.35% |
2700 |
48.6 |
EUR/USD |
2022/12/14 |
1.08295 |
1.07960 |
360516.45 |
2.79 |
136 |
WJ20220411005 |
WKGJ2022038-365D |
2022/4/14 |
2023/4/14 |
365 |
人民币 |
1.45%/2.9%/3.35% |
3000 |
54 |
EUR/USD |
2022/12/14 |
1.09055 |
1.07960 |
400573.83 |
2.79 |
137 |
WJ20220413001 |
WKGJ2022041-35D |
2022/4/14 |
2022/5/19 |
35 |
人民币 |
1.3%/3.2%/3.65% |
5000 |
10.79 |
EUR/USD |
2022/5/11 |
1.09055 |
1.07960 |
52335.21 |
2.39 |
138 |
WJ20220413005 |
WKGJ2022038-365D |
2022/4/14 |
2023/4/14 |
365 |
人民币 |
1.45%/2.9%/3.35% |
2000 |
36 |
EUR/USD |
2022/12/14 |
1.09055 |
1.07960 |
20934.08 |
1.55 |
139 |
WJ20220413011 |
WKGJ2022039-270D |
2022/4/14 |
2023/1/9 |
270 |
人民币 |
1.17%/3.6%/4.05% |
1000 |
20.56 |
EUR/USD |
2022/11/14 |
1.09055 |
1.07960 |
152396.54 |
3.23 |
持仓风险
风险提示:结构性存款不同于一般性存款,具有投资风险,您应当充分认识投资风险,谨慎投资。
1.本金及利息风险:威海市商业银行仅保障资金本金和基础收益,您应充分认识利息不确定的风险。本产品的收益由基础收益和浮动收益组成,浮动收益取决于挂钩标的价格变化,受市场多种要素的影响。利息不确定的风险由存款人自行承担,存款人应对此有充分的认识。如果在存款期内,市场利率上升,本产品的利率不随市场利率上升而提高。
2. 期限风险:由于本产品的实际期限无法事先确定,且威海市商业银行有权单方行使对产品期限的权利(包括但不限于提前终止等),一旦威海市商业银行选择了行使产品合同中所订明的对产品期限的权利,则存款人必须遵照履行。
3. 市场风险:包括但不限于因国家法律法规以及货币政策、财政政策、产业政策、地区发展政策等国际政策的变化、宏观周期型经济运行状况变化、外汇汇率和人民币购买力等变化对市场产生一定的影响,导致产品收益的波动,在一定情况下甚至会对产品的成立与运行产生影响。交易期内可能存在市场利率上升、但该产品的收益率不随市场利率上升而提高的情形;受限于投资组合及具体策略的不同,本产品收益变化趋势与市场整体发展趋势并不具有必然的一致性。
4. 流动性风险:客户在产品合同约定的条款外,不享有提前终止权,则客户在产品到期日(威海市商业银行依照产品合同的约定提前终止合同的,提前终止日被视为产品到期日)前无法取用存款本金及产品收益。
5. 信息传递风险:客户应根据产品合同载明的信息披露方式查询本产品的相关信息。如果客户未及时查询,或由于通讯故障、系统故障以及其他不可抗力等因素的影响导致客户无法及时了解本产品的信息,并由此影响客户投资决策,因此而产生的责任和风险将由客户自行承担。另外,客户预留在威海市商业银行的有效联系方式变更的,应及时通知威海市商业银行。如客户未及时告知威海市商业银行联系方式变更或因存款人其他原因,威海市商业银行将可能在需要联系客户时无法及时取得联系,并可能会由此影响客户的投资决策,由此而产生的责任和风险由客户自行承担。
6. 不可抗力风险:如果因不可抗力不能履行产品合同时,可根据不可抗力的影响部分或全部免除违约责任。
7.信用风险:威海市商业银行发生信用风险如被依法撤销或被被申请破产等,将对产品的收益产生影响。
8.数据来源风险:在本存款收益率的计算中,需要使用到数据提供商提供的挂钩标的的价格水平。如果届时产品说明书中约定的数据提供商提供的参照页面不能给出所需的价格水平,威海市商业银行将本着公平、公正、公允的原则,秉承善意并按照商业上合理的方式确定所适用的价格水平进行计算。
风险控制措施
本行针对结构性存款业务的风险特征,制定和实施相应的风险管理政策和程序,持续有效地识别、计量、监测和控制结构性存款业务面临的各类风险,并将结构性存款业务风险管理纳入全面风险管理体系。本行将结构性存款纳入表内核算,按照存款管理,纳入存款准备金和存款保险保费的缴纳范围,相关资产按照国务院银行业监督管理机构的相关规定计提资本和拨备。
本行具备普通类衍生产品交易业务资格,结构性存款挂钩的衍生产品交易严格遵守《银行业金融机构衍生产品交易业务管理暂行办法》、《商业银行资本管理办法(试行)》、《商业银行杠杆率管理办法(修订)》、《商业银行流动性风险管理办法》等国务院银行业监督管理机构关于衍生产品交易的相关规定。
本行销售结构性存款,严格按照中国银保监会发布的《关于进一步规范商业银行结构性存款业务的通知》(银保监办发〔2019〕204号)相关规定执行,充分揭示风险。销售文本全面、客观反映结构性存款的重要特性和与产品有关的重要事实,向投资者充分揭示风险,确保投资者了解结构性存款的产品性质和潜在风险,自主进行投资决策。
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