发布时间:2022-07-13 10:58:39
尊敬的客户:
以下是我行单位结构性存款产品2022年7月产品账单。其中,“账单日产品预期年化收益率”,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:2022-7-13 |
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序号 |
业务编号 |
产品编号 |
起始日 |
到期日 |
期限 |
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) |
账单日产品预期年化收益率% |
1 |
WJ20210714004 |
WKGJ2021078-365D |
2021/7/16 |
2022/7/16 |
365天 |
人民币 |
2.25%/[3.1%-3.2%] |
5000 |
50.1 |
EUR/USD |
2021/9/7 |
1.1800 |
1.1839 |
0 |
3.10 |
2 |
WJ20210726004 |
WKGJ2021085-365D |
2021/7/27 |
2022/7/27 |
365天 |
人民币 |
2.25%/[3.1%-3.2%] |
16000 |
160.33 |
EUR/USD |
2021/10/14 |
1.1799 |
1.1587 |
0 |
3.10 |
3 |
WJ20210730001 |
WKGJ2021093-365D |
2021/8/3 |
2022/8/3 |
365天 |
人民币 |
2.25%/3.1%/3.2% |
4500 |
47.25 |
EUR/USD |
2021/12/27 |
1.1876 |
1.1317 |
0 |
3.10 |
4 |
WJ20210813004 |
WKGJ2021098-365D |
2021/8/14 |
2022/8/14 |
365天 |
人民币 |
2.25%/2.9%/3% |
5000 |
42.5 |
EUR/USD |
2021/12/27 |
1.1799 |
1.1317 |
0 |
2.90 |
5 |
WJ20210817001 |
WKGJ2021100-365D |
2021/8/18 |
2022/8/18 |
365天 |
人民币 |
2.25%/3.5%/3.6% |
2000 |
27 |
EUR/USD |
2021/12/27 |
1.1717 |
1.1317 |
0 |
3.50 |
6 |
WJ20210826008 |
WKGJ2021098-365D |
2021/8/28 |
2022/8/28 |
365天 |
人民币 |
2.25%/2.9%/3% |
5000 |
37.5 |
EUR/USD |
2021/12/27 |
1.1807 |
1.1317 |
0 |
2.90 |
7 |
WJ20210901001 |
WKGJ2021111-365D |
2021/9/3 |
2022/9/3 |
365天 |
人民币 |
1.7%/3.3%/3.6% |
20000 |
360 |
EUR/USD |
2021/12/27 |
1.1883 |
1.1317 |
0 |
3.30 |
8 |
WJ20210906002 |
WKGJ2021113-365D |
2021/9/9 |
2022/9/9 |
365天 |
人民币 |
1.4375%/3.8%/3.9% |
10000 |
241.25 |
EUR/USD |
2021/11/26 |
1.1821 |
1.1294 |
0 |
1.44 |
9 |
WJ20210907002 |
WKGJ2021115-365D |
2021/9/9 |
2022/9/9 |
365天 |
人民币 |
2.1%/3.5%/3.7% |
10000 |
155 |
EUR/USD |
2022/6/14 |
1.1821 |
1.0438 |
0 |
3.50 |
10 |
WJ20211028010 |
WKGJ2021138-365D |
2021/11/2 |
2022/11/2 |
365天 |
人民币 |
1.19%/4.41%/4.71% |
40000 |
1368 |
EUR/USD |
2022/10/20 |
1.1598 |
1.0017 |
3964756.36 |
2.18 |
11 |
WJ20211028012 |
WKGJ2021138-365D |
2021/11/2 |
2022/11/2 |
365天 |
人民币 |
1.19%/4.41%/4.71% |
11000 |
376.2 |
EUR/USD |
2022/10/20 |
1.1598 |
1.0017 |
1090308 |
2.18 |
12 |
WJ20211028011 |
WKGJ2021138-365D |
2021/11/2 |
2022/11/2 |
365天 |
人民币 |
1.19%/4.41%/4.71% |
20000 |
684 |
EUR/USD |
2022/10/20 |
1.1598 |
1.0017 |
1982378.18 |
2.18 |
13 |
WJ20211104001 |
WKGJ2021145-273D |
2021/11/6 |
2022/8/6 |
273天 |
人民币 |
1.37%/3.85%/4.15% |
40000 |
801.8 |
EUR/USD |
2022/7/27 |
1.1555 |
1.0017 |
4606.13 |
1.37 |
14 |
WJ20211112003 |
WKGJ2021143-365D |
2021/11/13 |
2022/11/13 |
365天 |
人民币 |
2.1%/3.5%/3.7% |
10000 |
152 |
EUR/USD |
2022/11/2 |
1.1460 |
1.0017 |
547553.56 |
2.65 |
15 |
WJ20211116003 |
WKGJ2021147-365D |
2021/11/17 |
2022/11/17 |
365天 |
人民币 |
2.1%/3.5%/3.7% |
3000 |
45.6 |
EUR/USD |
2022/11/2 |
1.1323 |
1.0017 |
102707.67 |
2.44 |
16 |
WJ20211119001 |
WKGJ2021147-365D |
2021/11/20 |
2022/11/20 |
365天 |
人民币 |
2.1%/3.5%/3.7% |
20000 |
304 |
EUR/USD |
2022/11/7 |
1.1270 |
1.0017 |
1483097.74 |
2.84 |
17 |
WJ20211122002 |
WKGJ2021147-365D |
2021/11/23 |
2022/11/23 |
365天 |
人民币 |
2.1%/3.5%/3.7% |
3000 |
45.6 |
EUR/USD |
2022/11/7 |
1.1238 |
1.0017 |
220972.87 |
2.84 |
18 |
WJ20211123006 |
WKGJ2021147-365D |
2021/11/24 |
2022/11/24 |
365天 |
人民币 |
2.1%/3.5%/3.7% |
2000 |
30.4 |
EUR/USD |
2022/11/9 |
1.1240 |
1.0017 |
147372.55 |
2.84 |
19 |
WJ20211123009 |
WKGJ2021147-365D |
2021/11/25 |
2022/11/25 |
365天 |
人民币 |
2.1%/3.5%/3.7% |
3000 |
45.6 |
EUR/USD |
2022/11/9 |
1.1207 |
1.0017 |
229919.58 |
2.87 |
20 |
WJ20211129002 |
WKGJ2021147-365D |
2021/11/30 |
2022/11/30 |
365天 |
人民币 |
2.1%/3.5%/3.7% |
2000 |
30.4 |
EUR/USD |
2022/11/14 |
1.1294 |
1.0017 |
138585.06 |
2.79 |
21 |
WJ20211201001 |
WKGJ2021155-365D |
2021/12/2 |
2022/12/2 |
365天 |
人民币 |
2%/3.4%/3.6% |
1200 |
18.24 |
EUR/USD |
2022/11/16 |
1.1328 |
1.0017 |
79746.61 |
2.66 |
22 |
WJ20211207002 |
WKGJ2021159-365D |
2021/12/9 |
2022/12/9 |
365天 |
人民币 |
1.19%/4.41%/4.71% |
50000 |
1735 |
EUR/USD |
2022/11/23 |
1.1335 |
1.0017 |
7671343.19 |
2.72 |
23 |
WJ20211210002 |
WKGJ2021160-365D |
2021/12/11 |
2022/12/11 |
365天 |
人民币 |
1.7%/3.2%/3.4% |
3000 |
49.5 |
EUR/USD |
2022/11/25 |
1.1306 |
1.0017 |
223325.3 |
2.44 |
24 |
WJ20211215001 |
WKGJ2021162-365D |
2021/12/17 |
2022/12/17 |
365天 |
人民币 |
2.1%/3.5%/3.7% |
3000 |
46.5 |
EUR/USD |
2022/11/25 |
1.1323 |
1.0017 |
204006.33 |
2.78 |
25 |
WJ20211216002 |
WKGJ2021161-365D |
2021/12/18 |
2022/12/18 |
365天 |
人民币 |
1.6%/3%/3.2% |
3000 |
46.5 |
EUR/USD |
2022/12/1 |
1.1239 |
1.0017 |
227332.96 |
2.36 |
26 |
WJ20211217003 |
WKGJ2021162-365D |
2021/12/21 |
2022/12/21 |
365天 |
人民币 |
2.1%/3.5%/3.7% |
3000 |
46.5 |
EUR/USD |
2022/12/1 |
1.1283 |
1.0017 |
216192.6 |
2.82 |
27 |
WJ20211217004 |
WKGJ2021162-365D |
2021/12/21 |
2022/12/21 |
365天 |
人民币 |
2.1%/3.5%/3.7% |
2000 |
31 |
EUR/USD |
2022/12/1 |
1.1283 |
1.0017 |
144128.4 |
2.82 |
28 |
WJ20211221001 |
WKGJ2021166-365D |
2021/12/23 |
2022/12/23 |
365天 |
人民币 |
1.15%/2.55%/2.7% |
2000 |
30.4 |
EUR/USD |
2022/12/1 |
1.1341 |
1.0017 |
134190.63 |
1.82 |
29 |
WJ20211222002 |
WKGJ2021167-365D |
2021/12/24 |
2022/12/24 |
365天 |
人民币 |
1.9%/[3.3%-3.5%] |
5000 |
77.6 |
EUR/USD |
2022/12/1 |
1.1330 |
1.0017 |
730025.75 |
3.36 |
30 |
WJ20211222003 |
WKGJ2021165-365D |
2021/12/24 |
2022/12/24 |
365天 |
人民币 |
1.7%/[3.1%-3.3%] |
20000 |
310.42 |
EUR/USD |
2022/12/1 |
1.1330 |
1.0017 |
2932801.74 |
3.17 |
31 |
WJ20211224004 |
WKGJ2021165-365D |
2021/12/25 |
2022/12/25 |
365天 |
人民币 |
1.7%/3.1%/3.3% |
1000 |
15.5 |
EUR/USD |
2022/12/5 |
1.1318 |
1.0017 |
69461.28 |
2.39 |
32 |
WJ20211228001 |
WKGJ2021165-365D |
2021/12/29 |
2022/12/29 |
365天 |
人民币 |
1.7%/3.1%/3.3% |
12000 |
186 |
EUR/USD |
2022/12/6 |
1.1302 |
1.0017 |
851416.7 |
2.41 |
33 |
WJ20211228007 |
WKGJ2021165-365D |
2021/12/30 |
2022/12/30 |
365天 |
人民币 |
1.7%/[3.1%-3.3%] |
1000 |
15.52 |
EUR/USD |
2022/12/6 |
1.1306 |
1.0017 |
146088.65 |
3.16 |
34 |
WJ20220105008 |
WKGJ2022004-365D |
2022/1/7 |
2023/1/7 |
365天 |
人民币 |
1.6%/3%/3.2% |
20000 |
316 |
EUR/USD |
2022/12/12 |
1.1300 |
1.0017 |
1329924.36 |
2.26 |
35 |
WJ20220107003 |
WKGJ2022004-365D |
2022/1/9 |
2023/1/9 |
365天 |
人民币 |
1.6%/3%/3.2% |
10500 |
165.9 |
EUR/USD |
2022/12/12 |
1.1351 |
1.0017 |
654037.55 |
2.22 |
36 |
WJ20220110001 |
WKGJ2022005-365D |
2022/1/12 |
2023/1/12 |
365天 |
人民币 |
1.8%/3.2%/3.4% |
3000 |
47.4 |
EUR/USD |
2022/12/12 |
1.1370 |
1.0017 |
182165.37 |
2.41 |
37 |
WJ20220111004 |
WKGJ2022005-365D |
2022/1/13 |
2023/1/13 |
365天 |
人民币 |
1.8%/3.2%/3.4% |
10000 |
158 |
EUR/USD |
2022/12/12 |
1.1405 |
1.0017 |
548720.11 |
2.35 |
38 |
WJ20220113008 |
WKGJ2021162-365D |
2022/1/15 |
2023/1/15 |
365天 |
人民币 |
2.1%/3.5%/3.7% |
1000 |
15.8 |
EUR/USD |
2022/12/14 |
1.1405 |
1.0017 |
56619.2 |
2.67 |
39 |
WJ20220119002 |
WKGJ2022007-365D |
2022/1/22 |
2023/1/22 |
365天 |
人民币 |
1.7%/3.9%/4.1% |
7000 |
166.6 |
EUR/USD |
2022/12/16 |
1.1337 |
1.0017 |
686972.79 |
2.68 |
40 |
WJ20220119003 |
WKGJ2022006-365D |
2022/1/22 |
2023/1/22 |
365天 |
人民币 |
2.1%/3.5%/3.7% |
2000 |
31.6 |
EUR/USD |
2022/12/16 |
1.1337 |
1.0017 |
124917.99 |
2.72 |
41 |
WJ20220125004 |
WKGJ2022009-180D |
2022/1/26 |
2022/7/25 |
180天 |
人民币 |
1.12%/4%/4.3% |
30000 |
463.07 |
EUR/USD |
2022/6/23 |
1.1305 |
1.0570 |
0 |
1.12 |
42 |
WJ20220218001 |
WKGJ2022020-270D |
2022/2/22 |
2022/11/19 |
270天 |
人民币 |
1.17%/3.6%/4.05% |
15000 |
308.47 |
EUR/USD |
2022/10/11 |
1.1305 |
1.0017 |
544354.99 |
1.66 |
43 |
WJ20220225003 |
WKGJ2022020-270D |
2022/2/26 |
2022/11/23 |
270天 |
人民币 |
1.17%/3.6%/4.05% |
5000 |
102.82 |
EUR/USD |
2022/10/17 |
1.1173 |
1.0017 |
262194.52 |
1.88 |
44 |
WJ20220225004 |
WKGJ2022022-365D |
2022/3/1 |
2023/3/1 |
365天 |
人民币 |
1.09%/4.51%/4.96% |
40000 |
1508 |
EUR/USD |
2022/12/12 |
1.1202 |
1.0017 |
5126724.27 |
2.37 |
45 |
WJ20220302006 |
WKGJ2022023-180D |
2022/3/5 |
2022/9/1 |
180天 |
人民币 |
1.57%/3.3%/3.65% |
10000 |
97.64 |
EUR/USD |
2022/8/2 |
1.0842 |
1.0017 |
340701.46 |
2.26 |
46 |
WJ20220303001 |
WKGJ2022023-365D |
2022/3/5 |
2023/3/5 |
365天 |
人民币 |
1.75%/3.5%/3.85% |
2000 |
40 |
EUR/USD |
2022/12/12 |
1.0842 |
1.0017 |
178629.93 |
2.64 |
47 |
WJ20220316002 |
WKGJ2022023-180D |
2022/3/18 |
2022/9/14 |
180天 |
人民币 |
1.57%/3.3%/3.65% |
5000 |
48.82 |
EUR/USD |
2022/8/8 |
1.1088 |
1.0017 |
13249.21 |
1.62 |
48 |
WJ20220316003 |
WKGJ2022026-270D |
2022/3/18 |
2022/12/13 |
270天 |
人民币 |
1.17%/3.6%/4.05% |
14000 |
287.9 |
EUR/USD |
2022/10/21 |
1.1088 |
1.0017 |
495489.21 |
1.65 |
49 |
WJ20220321003 |
WKGJ2022028-365D |
2022/3/23 |
2023/3/23 |
365天 |
人民币 |
1.45%/2.9%/3.35% |
10000 |
180 |
EUR/USD |
2022/12/14 |
1.1025 |
1.0017 |
891132.79 |
2.34 |
50 |
WJ20220323002 |
WKGJ2022023-180D |
2022/3/25 |
2022/9/21 |
180天 |
人民币 |
1.57%/3.3%/3.65% |
1000 |
9.76 |
EUR/USD |
2022/8/15 |
1.0956 |
1.0017 |
4754.7 |
1.67 |
51 |
WJ20220322006 |
WKGJ2022023-180D |
2022/3/25 |
2022/9/21 |
180天 |
人民币 |
1.57%/3.3%/3.65% |
2000 |
19.53 |
EUR/USD |
2022/8/15 |
1.1032 |
1.0017 |
9509.39 |
1.67 |
52 |
WJ20220322004 |
WKGJ2022028-365D |
2022/3/26 |
2023/3/26 |
365天 |
人民币 |
1.45%/2.9%/3.35% |
3000 |
54 |
EUR/USD |
2022/12/14 |
1.1025 |
1.0017 |
164627.03 |
2.00 |
53 |
WJ20220323003 |
WKGJ2022028-365D |
2022/3/26 |
2023/3/26 |
365天 |
人民币 |
1.45%/2.9%/3.35% |
2700 |
48.6 |
EUR/USD |
2022/12/14 |
1.0956 |
1.0017 |
148164.33 |
2.00 |
54 |
WJ20220325001 |
WKGJ2022030-180D |
2022/3/26 |
2022/9/22 |
180天 |
人民币 |
1.47%/3.55%/4% |
8000 |
95.87 |
EUR/USD |
2022/8/15 |
1.0956 |
1.0017 |
70062.06 |
1.65 |
55 |
WJ20220329004 |
WKGJ2022031-180D |
2022/3/31 |
2022/9/27 |
180天 |
人民币 |
1.47%/3.7%/4.15% |
10000 |
127.23 |
EUR/USD |
2022/8/17 |
1.1178 |
1.0017 |
24035.31 |
1.52 |
56 |
WJ20220401004 |
WKGJ2022037-266D |
2022/4/3 |
2022/12/25 |
266天 |
人民币 |
1.37%/3.3%/3.65% |
5000 |
79.44 |
EUR/USD |
2022/11/14 |
1.0893 |
1.0017 |
252815.2 |
2.06 |
57 |
WJ20220407001 |
WKGJ2022031-180D |
2022/4/9 |
2022/10/6 |
180天 |
人民币 |
1.47%/3.7%/4.15% |
5000 |
63.62 |
EUR/USD |
2022/9/1 |
1.0889 |
1.0017 |
88389.66 |
1.83 |
58 |
WJ20220408001 |
WKGJ2022039-270D |
2022/4/12 |
2023/1/7 |
270天 |
人民币 |
1.17%/3.6%/4.05% |
20000 |
411.29 |
EUR/USD |
2022/11/14 |
1.0871 |
1.0017 |
1839937.05 |
2.41 |
59 |
WJ20220411003 |
WKGJ2022038-365D |
2022/4/12 |
2023/4/12 |
365天 |
人民币 |
1.45%/2.9%/3.35% |
5000 |
90 |
EUR/USD |
2022/12/14 |
1.0871 |
1.0017 |
396955.74 |
2.24 |
60 |
WJ20220412001 |
WKGJ2022038-365D |
2022/4/13 |
2023/4/13 |
365天 |
人民币 |
1.45%/2.9%/3.35% |
2700 |
48.6 |
EUR/USD |
2022/12/14 |
1.0830 |
1.0017 |
214356.1 |
2.24 |
61 |
WJ20220411005 |
WKGJ2022038-365D |
2022/4/14 |
2023/4/14 |
365天 |
人民币 |
1.45%/2.9%/3.35% |
3000 |
54 |
EUR/USD |
2022/12/14 |
1.0871 |
1.0017 |
105520.73 |
1.80 |
62 |
WJ20220413005 |
WKGJ2022038-365D |
2022/4/14 |
2023/4/14 |
365天 |
人民币 |
1.45%/2.9%/3.35% |
2000 |
36 |
EUR/USD |
2022/12/14 |
1.0906 |
1.0017 |
70347.15 |
1.80 |
63 |
WJ20220413011 |
WKGJ2022039-270D |
2022/4/14 |
2023/1/9 |
270天 |
人民币 |
1.17%/3.6%/4.05% |
1000 |
20.56 |
EUR/USD |
2022/11/14 |
1.0906 |
1.0017 |
64420.33 |
2.04 |
64 |
WJ20220414003 |
WKGJ2022038-365D |
2022/4/16 |
2023/4/16 |
365天 |
人民币 |
1.45%/2.9%/3.35% |
1500 |
27 |
EUR/USD |
2022/12/16 |
1.0808 |
1.0017 |
95423.14 |
2.09 |
65 |
WJ20220415002 |
WKGJ2022044-365D |
2022/4/16 |
2023/4/16 |
365天 |
人民币 |
1.75%/3.1%/3.45% |
10000 |
160 |
EUR/USD |
2022/12/16 |
1.0808 |
1.0017 |
590932.91 |
2.34 |
66 |
WJ20220414008 |
WKGJ2022045-252D |
2022/4/16 |
2022/12/24 |
252天 |
人民币 |
1.37%/3.3%/3.65% |
5000 |
75.25 |
EUR/USD |
2022/11/23 |
1.0808 |
1.0017 |
272571.28 |
2.16 |
67 |
WJ20220415003 |
WKGJ2022038-365D |
2022/4/16 |
2023/4/16 |
365天 |
人民币 |
1.45%/2.9%/3.35% |
2000 |
36 |
EUR/USD |
2022/12/16 |
1.0808 |
1.0017 |
127230.88 |
2.09 |
68 |
WJ20220415004 |
WKGJ2022042-90D |
2022/4/19 |
2022/7/18 |
90天 |
人民币 |
1.1%/3.5%/3.95% |
1500 |
10.17 |
EUR/USD |
2022/6/13 |
1.0778 |
1.0488 |
0 |
3.50 |
69 |
WJ20220421004 |
WKGJ2022048-180D |
2022/4/23 |
2022/10/20 |
180天 |
人民币 |
1.47%/2.65%/3% |
1500 |
10.58 |
EUR/USD |
2022/9/13 |
1.0787 |
1.0017 |
24639.19 |
1.80 |
70 |
WJ20220425002 |
WKGJ2022048-180D |
2022/4/26 |
2022/10/23 |
180天 |
人民币 |
1.47%/2.65%/3% |
1500 |
10.58 |
EUR/USD |
2022/9/13 |
1.0725 |
1.0017 |
28888.78 |
1.86 |
71 |
WJ20220425003 |
WKGJ2022055-180D |
2022/4/26 |
2022/10/23 |
180天 |
人民币 |
1.47%/2.75%/3.1% |
1000 |
7.55 |
EUR/USD |
2022/9/13 |
1.0725 |
1.0017 |
20884.97 |
1.89 |
72 |
WJ20220424003 |
WKGJ2022049-90D |
2022/4/27 |
2022/7/26 |
90天 |
人民币 |
1.1%/3.5%/3.95% |
6000 |
40.68 |
EUR/USD |
2022/6/21 |
1.0646 |
1.0518 |
0 |
3.50 |
73 |
WJ20220426002 |
WKGJ2022058-365D |
2022/4/27 |
2023/4/27 |
365天 |
人民币 |
1.55%/2.65%/3% |
2000 |
27 |
EUR/USD |
2022/12/16 |
1.0646 |
1.0017 |
119082.59 |
2.15 |
74 |
WJ20220425008 |
WKGJ2022051-365D |
2022/4/28 |
2023/4/28 |
365天 |
人民币 |
1.65%/3.5%/3.95% |
2700 |
59.4 |
EUR/USD |
2022/12/16 |
1.0546 |
1.0017 |
305454.18 |
2.78 |
75 |
WJ20220424004 |
WKGJ2022040-365D |
2022/4/28 |
2023/4/28 |
365天 |
人民币 |
1.75%/3.4%/3.75% |
5000 |
95 |
EUR/USD |
2022/12/16 |
1.0546 |
1.0017 |
503551.05 |
2.76 |
76 |
WJ20220427001 |
WKGJ2022040-365D |
2022/4/28 |
2023/4/28 |
365天 |
人民币 |
1.75%/3.4%/3.75% |
5000 |
95 |
EUR/USD |
2022/12/16 |
1.0546 |
1.0017 |
503551.05 |
2.76 |
77 |
WJ20220426004 |
WKGJ2022040-180D |
2022/4/28 |
2022/10/25 |
180天 |
人民币 |
1.57%/3.25%/3.6% |
2000 |
19.04 |
EUR/USD |
2022/9/15 |
1.0546 |
1.0017 |
80540.63 |
2.39 |
78 |
WJ20220428001 |
WKGJ2022057-90D |
2022/4/29 |
2022/7/28 |
90天 |
人民币 |
1.1%/3.8%/4.25% |
20000 |
150.41 |
EUR/USD |
2022/6/23 |
1.0521 |
1.0570 |
0 |
3.80 |
79 |
WJ20220429004 |
WKGJ2022040-180D |
2022/5/6 |
2022/11/2 |
180天 |
人民币 |
1.57%/3.25%/3.6% |
1000 |
9.52 |
EUR/USD |
2022/9/22 |
1.0526 |
1.0017 |
44963.55 |
2.48 |
80 |
WJ20220505003 |
WKGJ2022062-365D |
2022/5/8 |
2023/5/8 |
365天 |
人民币 |
1.55%/2.65%/3% |
10000 |
135 |
EUR/USD |
2022/12/21 |
1.0525 |
1.0017 |
719517.27 |
2.27 |
81 |
WJ20220505004 |
WKGJ2022062-365D |
2022/5/8 |
2023/5/8 |
365天 |
人民币 |
1.55%/2.65%/3% |
2000 |
27 |
EUR/USD |
2022/12/21 |
1.0525 |
1.0017 |
143903.45 |
2.27 |
82 |
WJ20220506006 |
WKGJ2022065-365D |
2022/5/8 |
2023/5/8 |
365天 |
人民币 |
1.65%/3.7%/4.15% |
2000 |
48 |
EUR/USD |
2022/12/21 |
1.0525 |
1.0017 |
339064.9 |
3.35 |
83 |
WJ20220506005 |
WKGJ2022063-365D |
2022/5/8 |
2023/5/8 |
365天 |
人民币 |
1.65%/2.85%/3.2% |
1500 |
21.75 |
EUR/USD |
2022/12/21 |
1.0525 |
1.0017 |
117512.05 |
2.43 |
84 |
WJ20220506007 |
WKGJ2022040-180D |
2022/5/8 |
2022/11/4 |
180天 |
人民币 |
1.57%/3.25%/3.6% |
10000 |
95.18 |
EUR/USD |
2022/9/23 |
1.0525 |
1.0017 |
585013.39 |
2.76 |
85 |
WJ20220509001 |
WKGJ2022064-365D |
2022/5/11 |
2023/5/11 |
365天 |
人民币 |
1.5%/2.55%/2.9% |
3000 |
39 |
EUR/USD |
2022/12/21 |
1.0534 |
1.0017 |
238158.5 |
2.29 |
86 |
WJ20220510001 |
WKGJ2022066-70D |
2022/5/12 |
2022/7/21 |
70天 |
人民币 |
1.1%/3.55%/4% |
10000 |
53.7 |
EUR/USD |
2022/6/23 |
1.0524 |
1.0570 |
0 |
3.55 |
87 |
WJ20220509003 |
WKGJ2022070-90D |
2022/5/12 |
2022/8/10 |
90天 |
人民币 |
1.1%/3.6%/4.05% |
2600 |
18.27 |
EUR/USD |
2022/7/11 |
1.0524 |
1.0524 |
0 |
3.60 |
88 |
WJ20220511002 |
WKGJ2022071-180D |
2022/5/13 |
2022/11/9 |
180天 |
人民币 |
1.52%/3.3%/3.75% |
2000 |
21.01 |
EUR/USD |
2022/10/11 |
1.0379 |
1.0017 |
135283.95 |
2.89 |
89 |
WJ20220509006 |
WKGJ2022040-365D |
2022/5/13 |
2023/5/13 |
365天 |
人民币 |
1.75%/3.4%/3.75% |
5000 |
95 |
EUR/USD |
2022/12/21 |
1.0379 |
1.0017 |
659385.32 |
3.07 |
90 |
WJ20220509005 |
WKGJ2022069-365D |
2022/5/13 |
2023/5/13 |
365天 |
人民币 |
1.65%/2.85%/3.2% |
10000 |
145 |
EUR/USD |
2022/12/21 |
1.0379 |
1.0017 |
962587.69 |
2.61 |
91 |
WJ20220512004 |
WKGJ2022073-365D |
2022/5/14 |
2023/5/14 |
365天 |
人民币 |
1.65%/2.85%/3.2% |
2000 |
29 |
EUR/USD |
2022/12/23 |
1.0404 |
1.0017 |
193096.37 |
2.62 |
92 |
WJ20220512002 |
WKGJ2022040-90D |
2022/5/14 |
2022/8/12 |
365天 |
人民币 |
1.2%/3.1%/3.45% |
1300 |
6.89 |
EUR/USD |
2022/7/11 |
1.0404 |
1.0524 |
0 |
3.10 |
93 |
WJ20220518001 |
WKGJ2022075-180D |
2022/5/19 |
2022/11/15 |
180天 |
人民币 |
1.47%/3.8%/4.25% |
10000 |
132.16 |
EUR/USD |
2022/10/11 |
1.0486 |
1.0017 |
840481.86 |
3.17 |
94 |
WJ20220520003 |
WKGJ2022079-180D |
2022/5/21 |
2022/11/17 |
180天 |
人民币 |
1.47%/2.55%/2.9% |
2000 |
13.12 |
EUR/USD |
2022/10/21 |
1.0587 |
1.0017 |
72711.69 |
2.21 |
95 |
WJ20220520001 |
WKGJ2022077-365D |
2022/5/24 |
2023/5/24 |
365天 |
人民币 |
1.5%/2.55%/2.9% |
5000 |
65 |
EUR/USD |
2023/4/17 |
1.0668 |
1.0017 |
376216.37 |
2.25 |
96 |
WJ20220523003 |
WKGJ2022078-90D |
2022/5/24 |
2022/8/22 |
90天 |
人民币 |
1.2%/3.1%/3.45% |
1500 |
7.95 |
EUR/USD |
2022/7/27 |
1.0668 |
1.0017 |
18682.48 |
1.71 |
97 |
WJ20220524001 |
WKGJ2022082-180D |
2022/5/26 |
2022/11/22 |
180天 |
人民币 |
1.57%/2.9%/3.25% |
10000 |
77.92 |
EUR/USD |
2022/10/25 |
1.0692 |
1.0017 |
403661.91 |
2.39 |
98 |
WJ20220525005 |
WKGJ2022078-90D |
2022/5/27 |
2022/8/25 |
90天 |
人民币 |
1.2%/3.1%/3.45% |
1000 |
5.3 |
EUR/USD |
2022/7/27 |
1.0763 |
1.0017 |
7012.12 |
1.48 |
99 |
WJ20220525006 |
WKGJ2022083-365D |
2022/5/27 |
2023/5/27 |
365天 |
人民币 |
1.65%/3.7%/4.15% |
20000 |
480 |
EUR/USD |
2023/4/17 |
1.0763 |
1.0017 |
3092093.76 |
3.20 |
100 |
WJ20220526001 |
WKGJ2022077-365D |
2022/5/28 |
2023/5/28 |
365天 |
人民币 |
1.5%/2.55%/2.9% |
5000 |
65 |
EUR/USD |
2023/4/21 |
1.0748 |
1.0017 |
362194.72 |
2.22 |
101 |
WJ20220527001 |
WKGJ2022088-365D |
2022/5/28 |
2023/5/28 |
365天 |
人民币 |
1.75%/3.2%/3.55% |
7500 |
14.67 |
EUR/USD |
2023/4/21 |
1.0748 |
1.0017 |
747331.36 |
2.75 |
102 |
WJ20220514001 |
WKGJ2022081-365D |
2022/5/28 |
2023/5/28 |
365天 |
人民币 |
1.75%/3.4%/3.75% |
5000 |
14.67 |
EUR/USD |
2023/4/21 |
1.0748 |
1.0017 |
566234.03 |
2.88 |
103 |
WJ20220524002 |
WKGJ2022078-60D |
2022/5/31 |
2022/7/30 |
60天 |
人民币 |
1.2%/3%/3.35% |
6000 |
14.67 |
EUR/USD |
2022/7/6 |
1.0750 |
1.0249 |
0 |
1.20 |
104 |
WJ20220530004 |
WKGJ2022087-365D |
2022/5/31 |
2023/5/31 |
365天 |
人民币 |
1.5%/2.55%/2.9% |
2000 |
14.67 |
EUR/USD |
2023/4/24 |
1.0750 |
1.0017 |
144916.14 |
2.22 |
105 |
WJ20220530002 |
WKGJ2022078-60D |
2022/5/31 |
2022/7/30 |
60天 |
人民币 |
1.2%/3%/3.35% |
2000 |
14.67 |
EUR/USD |
2022/7/6 |
1.0750 |
1.0249 |
0 |
1.20 |
106 |
WJ20220602010 |
WKGJ2022078-90D |
2022/6/7 |
2022/9/5 |
90天 |
人民币 |
1.2%/3.1%/3.45% |
1500 |
14.67 |
EUR/USD |
2022/8/10 |
1.0680 |
1.0017 |
21928.02 |
1.79 |
107 |
WJ20220606005 |
WKGJ2022091-180D |
2022/6/8 |
2022/12/5 |
180天 |
人民币 |
1.47%/2.55%/2.9% |
2000 |
14.67 |
EUR/USD |
2022/11/7 |
1.0687 |
1.0017 |
61665.35 |
2.10 |
108 |
WJ20220606006 |
WKGJ2022078-180D |
2022/6/8 |
2022/12/5 |
180天 |
人民币 |
1.57%/3.25%/3.6% |
2000 |
14.67 |
EUR/USD |
2022/11/7 |
1.0687 |
1.0017 |
95641.13 |
2.54 |
109 |
WJ20220606002 |
WKGJ2022086-365D |
2022/6/9 |
2023/6/9 |
365天 |
人民币 |
1.5%/2.55%/2.9% |
5000 |
14.67 |
EUR/USD |
2023/4/26 |
1.0712 |
1.0017 |
361587.58 |
2.22 |
110 |
WJ20220608007 |
WKGJ2022078-60D |
2022/6/10 |
2022/8/9 |
60天 |
人民币 |
1.2%/3%/3.35% |
10000 |
33.7 |
EUR/USD |
2022/7/15 |
1.0625 |
1.0022 |
0 |
1.20 |
111 |
WJ20220609002 |
WKGJ2022097-95D |
2022/6/10 |
2022/9/13 |
95天 |
人民币 |
1.1%/3.8%/4.25% |
40000 |
317.53 |
EUR/USD |
2022/8/17 |
1.0625 |
1.0017 |
1115773.68 |
2.17 |
112 |
WJ20220609004 |
WKGJ2022094-180D |
2022/6/11 |
2022/12/8 |
180天 |
人民币 |
1.47%/4%/4.45% |
80000 |
1136.22 |
EUR/USD |
2022/11/7 |
1.0482 |
1.0017 |
7001971.58 |
3.24 |
113 |
WJ20220610001 |
WKGJ2022091-180D |
2022/6/11 |
2022/12/8 |
180天 |
人民币 |
1.47%/2.55%/2.9% |
2000 |
13.12 |
EUR/USD |
2022/11/7 |
1.0482 |
1.0017 |
75229.31 |
2.23 |
114 |
WJ20220610004 |
WKGJ2022081-365D |
2022/6/11 |
2023/6/11 |
365天 |
人民币 |
1.75%/3.4%/3.75% |
20000 |
380 |
EUR/USD |
2023/5/9 |
1.0482 |
1.0017 |
2519049.48 |
3.01 |
115 |
WJ20220609007 |
WKGJ2022099-60D |
2022/6/14 |
2022/8/13 |
60天 |
人民币 |
1.3%/3.2%/3.65% |
2000 |
7.4 |
EUR/USD |
2022/7/20 |
1.0400 |
1.0017 |
43100.98 |
2.61 |
116 |
WJ20220610002 |
WKGJ2022100-180D |
2022/6/14 |
2022/12/11 |
180天 |
人民币 |
1.57%/2.9%/3.25% |
10000 |
77.92 |
EUR/USD |
2022/11/7 |
1.0400 |
1.0017 |
497787.49 |
2.58 |
117 |
WJ20220610005 |
WKGJ2022091-180D |
2022/6/14 |
2022/12/11 |
180天 |
人民币 |
1.47%/2.55%/2.9% |
2000 |
13.12 |
EUR/USD |
2022/11/7 |
1.0400 |
1.0017 |
81087.04 |
2.29 |
118 |
WJ20220613002 |
WKGJ2022101-60D |
2022/6/15 |
2022/8/14 |
60天 |
人民币 |
1.15%/3.1%/3.55% |
3000 |
11.34 |
EUR/USD |
2022/7/25 |
1.0441 |
1.0017 |
55263.34 |
2.27 |
119 |
WJ20220616004 |
WKGJ2022078-180D |
2022/6/18 |
2022/12/15 |
180天 |
人民币 |
1.57%/3.25%/3.6% |
1100 |
10.47 |
EUR/USD |
2022/11/11 |
1.0494 |
1.0017 |
66531.15 |
2.80 |
120 |
WJ20220617006 |
WKGJ2022078-30D |
2022/6/18 |
2022/7/18 |
30天 |
人民币 |
1.4%/2.9%/3.25% |
600 |
0.86 |
EUR/USD |
2022/7/5 |
1.0494 |
1.0444 |
0 |
2.90 |
121 |
WJ20220616007 |
WKGJ2022078-180D |
2022/6/21 |
2022/12/18 |
180天 |
人民币 |
1.57%/3.25%/3.6% |
2000 |
19.04 |
EUR/USD |
2022/11/11 |
1.0535 |
1.0017 |
119495.66 |
2.78 |
122 |
WJ20220620002 |
WKGJ2022078-30D |
2022/6/21 |
2022/7/21 |
30天 |
人民币 |
1.4%/2.9%/3.25% |
2000 |
2.88 |
EUR/USD |
2022/7/5 |
1.0535 |
1.0444 |
0 |
2.90 |
123 |
WJ20220616005 |
WKGJ2022102-90D |
2022/6/22 |
2022/9/20 |
90天 |
人民币 |
1.1%/3.5%/3.95% |
5000 |
33.9 |
EUR/USD |
2022/8/26 |
1.0508 |
1.0017 |
181187.04 |
2.57 |
124 |
WJ20220623001 |
WKGJ2022078-180D |
2022/6/25 |
2022/12/22 |
180天 |
人民币 |
1.57%/3.25%/3.6% |
1500 |
13.91 |
EUR/USD |
2022/11/23 |
1.0562 |
1.0017 |
101659.33 |
2.94 |
125 |
WJ20220616002 |
WKGJ2022104-365D |
2022/6/25 |
2023/6/25 |
365天 |
人民币 |
1.75%/3.2%/3.55% |
10000 |
170 |
EUR/USD |
2023/5/16 |
1.0562 |
1.0017 |
1097037.82 |
2.85 |
126 |
WJ20220623003 |
WKGJ2022105-180D |
2022/6/25 |
2022/12/22 |
180天 |
人民币 |
1.32%/2.35%/2.7% |
2000 |
12.13 |
EUR/USD |
2022/11/23 |
1.0562 |
1.0017 |
81441.04 |
2.15 |
127 |
WJ20220620005 |
WKGJ2022081-365D |
2022/6/25 |
2023/6/25 |
365天 |
人民币 |
1.75%/3.4%/3.75% |
10000 |
190 |
EUR/USD |
2023/5/16 |
1.0562 |
1.0017 |
1245995.68 |
3.00 |
128 |
WJ20220624004 |
WKGJ2022107-30D |
2022/6/28 |
2022/7/28 |
30天 |
人民币 |
1.3%/[3.5%-3.95%] |
10000 |
19.75 |
EUR/USD |
2022/7/15 |
1.0575 |
1.0033 |
|
3.50 |
129 |
WJ20220627003 |
WKGJ2022109-90D |
2022/6/28 |
2022/9/26 |
90天 |
人民币 |
1.1%/3.5%/3.95% |
30000 |
192.33 |
EUR/USD |
2022/8/10 |
1.0575 |
1.0017 |
1035847.51 |
2.50 |
130 |
WJ20220627004 |
WKGJ2022109-90D |
2022/6/28 |
2022/9/26 |
90天 |
人民币 |
1.1%/3.5%/3.95% |
40000 |
256.44 |
EUR/USD |
2022/9/1 |
1.0575 |
1.0017 |
1633995.13 |
2.76 |
131 |
WJ20220627007 |
WKGJ2022078-180D |
2022/6/29 |
2022/12/26 |
180天 |
人民币 |
1.57%/3.25%/3.6% |
1000 |
9.27 |
EUR/USD |
2022/11/14 |
1.0530 |
1.0017 |
64869.74 |
2.89 |
132 |
WJ20220627009 |
WKGJ2022112-90D |
2022/6/30 |
2022/9/28 |
90天 |
人民币 |
1.1%/3.81%/4.26% |
20000 |
143.51 |
EUR/USD |
2022/9/1 |
1.0439 |
1.0017 |
960676.57 |
3.05 |
133 |
WJ20220624008 |
WKGJ2022111-60D |
2022/6/30 |
2022/8/29 |
60天 |
人民币 |
1.1%/[3.35%-3.8%] |
5000 |
20.16 |
EUR/USD |
2022/8/10 |
1.0439 |
1.0017 |
185877.08 |
3.36 |
134 |
WJ20220628001 |
WKGJ2022106-90D |
2022/6/30 |
2022/9/28 |
90天 |
人民币 |
1.1%/3.2%/3.65% |
5000 |
28.36 |
EUR/USD |
2022/9/1 |
1.0439 |
1.0017 |
186208.26 |
2.61 |
135 |
WJ20220629001 |
WKGJ2022113-60D |
2022/6/30 |
2022/8/29 |
60天 |
人民币 |
1.1%/[3.2%-3.65%] |
3000 |
11.36 |
EUR/USD |
2022/8/10 |
1.0439 |
1.0017 |
104090.47 |
3.21 |
136 |
WJ20220630001 |
WKGJ2022106-90D |
2022/7/1 |
2022/9/29 |
90天 |
人民币 |
1.1%/[3.2%-3.65%] |
2500 |
14.2 |
EUR/USD |
2022/9/13 |
1.0470 |
1.0017 |
129856.41 |
3.21 |
137 |
WJ20220701002 |
WKGJ2022115-90D |
2022/7/2 |
2022/9/30 |
90天 |
人民币 |
1.1%/[3.5%-3.95%] |
5000 |
32.09 |
EUR/USD |
2022/9/13 |
1.0435 |
1.0017 |
297294.09 |
3.51 |
138 |
WJ20220701001 |
WKGJ2022116-180D |
2022/7/2 |
2022/12/29 |
180天 |
人民币 |
1.47%/3.65%/4.1% |
5000 |
58.68 |
EUR/USD |
2022/11/25 |
1.0435 |
1.0017 |
450599.83 |
3.30 |
139 |
WJ20220701018 |
WKGJ2022081-365D |
2022/7/2 |
2023/7/2 |
365天 |
人民币 |
1.75%/3.4%/3.75% |
30000 |
570 |
EUR/USD |
2023/5/16 |
1.0435 |
1.0017 |
3906966.78 |
3.05 |
140 |
WJ20220701008 |
WKGJ2022114-14D |
2022/7/5 |
2022/7/19 |
14天 |
人民币 |
1.2%/[2.8%-3.15%] |
6000 |
4.15 |
EUR/USD |
2022/7/13 |
1.0436 |
1.0029 |
0 |
2.80 |
141 |
WJ20220701011 |
WKGJ2022114-14D |
2022/7/5 |
2022/7/19 |
14天 |
人民币 |
1.2%/[2.8%-3.15%] |
15000 |
10.37 |
EUR/USD |
2022/7/13 |
1.0436 |
1.0029 |
0 |
2.80 |
142 |
WJ20220630004 |
WKGJ2022117-90D |
2022/7/6 |
2022/10/4 |
90天 |
人民币 |
1.1%/3.8%/4.25% |
1000 |
7.15 |
EUR/USD |
2022/9/9 |
1.0263 |
1.0017 |
56240.91 |
3.38 |
143 |
WJ20220706003 |
WKGJ2022121-60D |
2022/7/7 |
2022/9/5 |
60天 |
人民币 |
1.1%/3.2%/3.65% |
6000 |
22.68 |
EUR/USD |
2022/8/15 |
1.0177 |
1.0017 |
197700.67 |
3.10 |
144 |
WJ20220706004 |
WKGJ2022081-365D |
2022/7/7 |
2023/7/7 |
365天 |
人民币 |
1.75%/3.4%/3.75% |
30000 |
555 |
EUR/USD |
2023/5/16 |
1.0177 |
1.0017 |
4627518.59 |
3.29 |
145 |
WJ20220706002 |
WKGJ2022119-70D |
2022/7/8 |
2022/9/16 |
70天 |
人民币 |
1.1%/3.5%/3.95% |
2000 |
9.97 |
EUR/USD |
2022/8/17 |
1.0140 |
1.0017 |
87870.36 |
3.39 |
146 |
WJ20220706005 |
WKGJ2022122-30D |
2022/7/8 |
2022/8/7 |
30天 |
人民币 |
1.3%/[3.5%-3.95%] |
2000 |
3.95 |
EUR/USD |
2022/7/25 |
1.0140 |
1.0017 |
36207 |
3.50 |
147 |
WJ20220708002 |
WKGJ2022125-7D |
2022/7/9 |
2022/7/16 |
7天 |
人民币 |
1%/[3%-3.45%] |
150000 |
63.37 |
EUR/USD |
2022/7/14 |
1.0140 |
1.0019 |
0 |
3.00 |
148 |
WJ20220708001 |
WKGJ2022123-30D |
2022/7/9 |
2022/8/8 |
30天 |
人民币 |
1.3%/[3.2%-3.65%] |
10000 |
17.28 |
EUR/USD |
2022/7/25 |
1.0140 |
1.0017 |
156339.88 |
3.20 |
149 |
WJ20220707001 |
WKGJ2022081-365D |
2022/7/9 |
2023/7/9 |
365天 |
人民币 |
1.75%/3.4%/3.75% |
30000 |
555 |
EUR/USD |
2023/5/16 |
1.01395 |
1.0017 |
4638842.23 |
3.30 |
150 |
WJ20220711002 |
WKGJ2022114-30D |
2022/7/13 |
2022/8/12 |
30天 |
人民币 |
1.4%/2.9%/3.25% |
1000 |
1.4 |
EUR/USD |
2022/8/3 |
1.0019 |
1.0017 |
11486.97 |
2.80 |
151 |
WJ20220711003 |
WKGJ2022118-180D |
2022/7/13 |
2023/1/9 |
180天 |
人民币 |
1.32%/2.35%/2.7% |
1500 |
9.1 |
EUR/USD |
2022/11/22 |
1.0019 |
1.0017 |
71607.17 |
2.29 |
152 |
WJ20220712001 |
WKGJ2022128-180D |
2022/7/13 |
2023/1/9 |
180天 |
人民币 |
1.47%/3.85%/4.3% |
4000 |
50.89 |
EUR/USD |
2022/11/22 |
1.0019 |
1.0017 |
438036.6 |
3.69 |
|
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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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