发布时间:2023-02-15 16:34:25
尊敬的客户:
以下是我行单位结构性存款产品2023年2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!
2023年2月单位结构性存款产品账单 |
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账单日:2023-2-15 |
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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 |
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 |
1.0516 |
- |
4.51 |
2 |
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 |
1.0842 |
1.0516 |
- |
3.50 |
3 |
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 |
1.0626 |
- |
2.90 |
4 |
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 |
1.1025 |
1.0626 |
- |
2.90 |
5 |
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 |
1.0956 |
1.0626 |
- |
2.90 |
6 |
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 |
1.0626 |
- |
2.90 |
7 |
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 |
1.0830 |
1.0626 |
- |
2.90 |
8 |
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 |
1.0871 |
1.0626 |
- |
2.90 |
9 |
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 |
1.0906 |
1.0626 |
- |
2.90 |
10 |
WJ20220414003 |
WKGJ2022038-365D |
2022/4/16 |
2023/4/16 |
365 |
人民币 |
1.45%/2.9%/3.35% |
1500 |
27 |
EUR/USD |
2022/12/16 |
1.0808 |
1.0645 |
- |
2.90 |
11 |
WJ20220415002 |
WKGJ2022044-365D |
2022/4/16 |
2023/4/16 |
365 |
人民币 |
1.75%/3.1%/3.45% |
10000 |
160 |
EUR/USD |
2022/12/16 |
1.0808 |
1.0645 |
- |
3.10 |
12 |
WJ20220415003 |
WKGJ2022038-365D |
2022/4/16 |
2023/4/16 |
365 |
人民币 |
1.45%/2.9%/3.35% |
2000 |
36 |
EUR/USD |
2022/12/16 |
1.0808 |
1.0645 |
- |
2.90 |
13 |
WJ20220426002 |
WKGJ2022058-365D |
2022/4/27 |
2023/4/27 |
365 |
人民币 |
1.55%/2.65%/3% |
2000 |
27 |
EUR/USD |
2022/12/16 |
1.0646 |
1.0645 |
- |
2.65 |
14 |
WJ20220425008 |
WKGJ2022051-365D |
2022/4/28 |
2023/4/28 |
365 |
人民币 |
1.65%/3.5%/3.95% |
2700 |
59.4 |
EUR/USD |
2022/12/16 |
1.0546 |
1.0645 |
- |
3.50 |
15 |
WJ20220424004 |
WKGJ2022040-365D |
2022/4/28 |
2023/4/28 |
365 |
人民币 |
1.75%/3.4%/3.75% |
5000 |
95 |
EUR/USD |
2022/12/16 |
1.0546 |
1.0645 |
- |
3.40 |
16 |
WJ20220427001 |
WKGJ2022040-365D |
2022/4/28 |
2023/4/28 |
365 |
人民币 |
1.75%/3.4%/3.75% |
5000 |
95 |
EUR/USD |
2022/12/16 |
1.0546 |
1.0645 |
- |
3.40 |
17 |
WJ20220505003 |
WKGJ2022062-365D |
2022/5/8 |
2023/5/8 |
365 |
人民币 |
1.55%/2.65%/3% |
10000 |
135 |
EUR/USD |
2022/12/21 |
1.0525 |
1.0616 |
- |
2.65 |
18 |
WJ20220505004 |
WKGJ2022062-365D |
2022/5/8 |
2023/5/8 |
365 |
人民币 |
1.55%/2.65%/3% |
2000 |
27 |
EUR/USD |
2022/12/21 |
1.0525 |
1.0616 |
- |
2.65 |
19 |
WJ20220506006 |
WKGJ2022065-365D |
2022/5/8 |
2023/5/8 |
365 |
人民币 |
1.65%/3.7%/4.15% |
2000 |
48 |
EUR/USD |
2022/12/21 |
1.0525 |
1.0616 |
- |
3.70 |
20 |
WJ20220506005 |
WKGJ2022063-365D |
2022/5/8 |
2023/5/8 |
365 |
人民币 |
1.65%/2.85%/3.2% |
1500 |
21.75 |
EUR/USD |
2022/12/21 |
1.0525 |
1.0616 |
- |
2.85 |
21 |
WJ20220509001 |
WKGJ2022064-365D |
2022/5/11 |
2023/5/11 |
365 |
人民币 |
1.5%/2.55%/2.9% |
3000 |
39 |
EUR/USD |
2022/12/21 |
1.0534 |
1.0616 |
- |
2.55 |
22 |
WJ20220509006 |
WKGJ2022040-365D |
2022/5/13 |
2023/5/13 |
365 |
人民币 |
1.75%/3.4%/3.75% |
5000 |
95 |
EUR/USD |
2022/12/21 |
1.0379 |
1.0616 |
- |
3.40 |
23 |
WJ20220509005 |
WKGJ2022069-365D |
2022/5/13 |
2023/5/13 |
365 |
人民币 |
1.65%/2.85%/3.2% |
10000 |
145 |
EUR/USD |
2022/12/21 |
1.0379 |
1.0616 |
- |
2.85 |
24 |
WJ20220512004 |
WKGJ2022073-365D |
2022/5/14 |
2023/5/14 |
365 |
人民币 |
1.65%/2.85%/3.2% |
2000 |
29 |
EUR/USD |
2022/12/23 |
1.0404 |
1.0604 |
- |
2.85 |
25 |
WJ20220520001 |
WKGJ2022077-365D |
2022/5/24 |
2023/5/24 |
365 |
人民币 |
1.5%/2.55%/2.9% |
5000 |
65 |
EUR/USD |
2023/4/17 |
1.0668 |
1.0739 |
519583.8036 |
2.54 |
26 |
WJ20220525006 |
WKGJ2022083-365D |
2022/5/27 |
2023/5/27 |
365 |
人民币 |
1.65%/3.7%/4.15% |
20000 |
480 |
EUR/USD |
2023/4/17 |
1.0763 |
1.0739 |
4172398.993 |
3.74 |
27 |
WJ20220526001 |
WKGJ2022077-365D |
2022/5/28 |
2023/5/28 |
365 |
人民币 |
1.5%/2.55%/2.9% |
5000 |
65 |
EUR/USD |
2023/4/21 |
1.0748 |
1.0739 |
513683.5991 |
2.53 |
28 |
WJ20220527001 |
WKGJ2022088-365D |
2022/5/28 |
2023/5/28 |
365 |
人民币 |
1.75%/3.2%/3.55% |
7500 |
127.5 |
EUR/USD |
2023/4/21 |
1.0748 |
1.0739 |
1063942.627 |
3.17 |
29 |
WJ20220514001 |
WKGJ2022081-365D |
2022/5/28 |
2023/5/28 |
365 |
人民币 |
1.75%/3.4%/3.75% |
5000 |
95 |
EUR/USD |
2023/4/21 |
1.0748 |
1.0739 |
807100.8601 |
3.36 |
30 |
WJ20220530004 |
WKGJ2022087-365D |
2022/5/31 |
2023/5/31 |
365 |
人民币 |
1.5%/2.55%/2.9% |
2000 |
26 |
EUR/USD |
2023/4/24 |
1.0750 |
1.0739 |
205045.1688 |
2.53 |
31 |
WJ20220606002 |
WKGJ2022086-365D |
2022/6/9 |
2023/6/9 |
365 |
人民币 |
1.5%/2.55%/2.9% |
5000 |
65 |
EUR/USD |
2023/4/26 |
1.0712 |
1.0739 |
511285.9292 |
2.52 |
32 |
WJ20220610004 |
WKGJ2022081-365D |
2022/6/11 |
2023/6/11 |
365 |
人民币 |
1.75%/3.4%/3.75% |
20000 |
380 |
EUR/USD |
2023/5/9 |
1.0482 |
1.0739 |
3269560.368 |
3.38 |
33 |
WJ20220616002 |
WKGJ2022104-365D |
2022/6/25 |
2023/6/25 |
365 |
人民币 |
1.75%/3.2%/3.55% |
10000 |
170 |
EUR/USD |
2023/5/16 |
1.0562 |
1.0739 |
1421035.363 |
3.17 |
34 |
WJ20220620005 |
WKGJ2022081-365D |
2022/6/25 |
2023/6/25 |
365 |
人民币 |
1.75%/3.4%/3.75% |
10000 |
190 |
EUR/USD |
2023/5/16 |
1.0562 |
1.0739 |
1616537.422 |
3.37 |
35 |
WJ20220701018 |
WKGJ2022081-365D |
2022/7/2 |
2023/7/2 |
365 |
人民币 |
1.75%/3.4%/3.75% |
30000 |
570 |
EUR/USD |
2023/5/16 |
1.0435 |
1.0739 |
4906004.715 |
3.39 |
36 |
WJ20220706004 |
WKGJ2022081-365D |
2022/7/7 |
2023/7/7 |
365 |
人民币 |
1.75%/3.4%/3.75% |
30000 |
555 |
EUR/USD |
2023/5/16 |
1.0177 |
1.0739 |
4957924.845 |
3.40 |
37 |
WJ20220707001 |
WKGJ2022081-365D |
2022/7/9 |
2023/7/9 |
365 |
人民币 |
1.75%/3.4%/3.75% |
30000 |
555 |
EUR/USD |
2023/5/16 |
1.01395 |
1.0739 |
4959201.308 |
3.40 |
38 |
WJ20220712003 |
WKGJ2022081-365D |
2022/7/14 |
2023/7/14 |
365 |
人民币 |
1.75%/3.4%/3.75% |
10000 |
185 |
EUR/USD |
2023/6/13 |
1.0033 |
1.0739 |
1644252.435 |
3.39 |
39 |
WJ20220714007 |
WKGJ2022081-365D |
2022/7/16 |
2023/7/16 |
365 |
人民币 |
1.75%/3.4%/3.75% |
10000 |
185 |
EUR/USD |
2023/5/16 |
1.0109 |
1.0739 |
1648644.487 |
3.40 |
40 |
WJ20220715002 |
WKGJ2022114-365D |
2022/7/16 |
2023/7/16 |
365 |
人民币 |
1.75%/3.4%/3.75% |
1500 |
27.75 |
EUR/USD |
2023/5/16 |
1.0109 |
1.0739 |
247296.6967 |
3.40 |
41 |
WJ20220719003 |
WKGJ2022120-365D |
2022/7/20 |
2023/7/20 |
365 |
人民币 |
1.75%/3.2%/3.55% |
10000 |
165 |
EUR/USD |
2023/6/13 |
1.0194 |
1.0739 |
1443486.833 |
3.19 |
42 |
WJ20220722001 |
WKGJ2022120-365D |
2022/7/23 |
2023/7/23 |
365 |
人民币 |
1.75%/3.2%/3.55% |
3000 |
49.5 |
EUR/USD |
2023/6/13 |
1.0200 |
1.0739 |
427237.4612 |
3.17 |
43 |
WJ20220721001 |
WKGJ2022114-365D |
2022/7/30 |
2023/7/30 |
365 |
人民币 |
1.75%/3.4%/3.75% |
27000 |
499.5 |
EUR/USD |
2023/6/21 |
1.0233 |
1.0739 |
4373302.564 |
3.37 |
44 |
WJ20220728002 |
WKGJ2022120-365D |
2022/7/30 |
2023/7/30 |
365 |
人民币 |
1.75%/3.2%/3.55% |
5000 |
82.5 |
EUR/USD |
2023/6/21 |
1.0233 |
1.0739 |
711777.6753 |
3.17 |
45 |
WJ20220804001 |
WKGJ2022114-365D |
2022/8/6 |
2023/8/6 |
365 |
人民币 |
1.75%/3.4%/3.75% |
10000 |
185 |
EUR/USD |
2023/6/26 |
1.0175 |
1.0739 |
1641639.969 |
3.39 |
46 |
WJ20220815001 |
WKGJ2022114-365D |
2022/8/16 |
2023/8/16 |
365 |
人民币 |
1.75%/3.4%/3.75% |
1200 |
22.2 |
EUR/USD |
2023/6/26 |
1.0172 |
1.0739 |
190703.64 |
3.34 |
47 |
WJ20220819003 |
WKGJ2022141-365D |
2022/8/20 |
2023/8/20 |
365 |
人民币 |
1.75%/3.2%/3.55% |
4500 |
74.25 |
EUR/USD |
2023/7/18 |
1.0029 |
1.0739 |
627866.0291 |
3.15 |
48 |
WJ20220830002 |
WKGJ2022141-365D |
2022/8/31 |
2023/8/31 |
365 |
人民币 |
1.75%/3.2%/3.55% |
2000 |
33 |
EUR/USD |
2023/7/18 |
1.0024 |
1.0739 |
279025.2648 |
3.15 |
49 |
WJ20220901002 |
WKGJ2022164-365D |
2022/9/3 |
2023/9/3 |
365 |
人民币 |
1.75%/3.1%/3.45% |
5000 |
77.5 |
EUR/USD |
2023/7/26 |
0.9920 |
1.0739 |
655747.7867 |
3.06 |
50 |
WJ20220916002 |
WKGJ2022171-180D |
2022/9/17 |
2023/3/16 |
180 |
人民币 |
1.47%/3.75%/4.2% |
30000 |
366.9 |
EUR/USD |
2023/2/15 |
1.0008 |
1.0716 |
- |
3.75 |
51 |
WJ20220920011 |
WKGJ2022174-180D |
2022/9/22 |
2023/3/21 |
180 |
人民币 |
1.8%/2.9%/3.25% |
10000 |
64.11 |
EUR/USD |
2023/2/15 |
0.9837 |
1.0716 |
- |
2.90 |
52 |
WJ20220920001 |
WKGJ2022175-180D |
2022/9/23 |
2023/3/22 |
180 |
人民币 |
1.47%/3.8%/4.25% |
2000 |
24.95 |
EUR/USD |
2023/2/21 |
0.9652 |
1.0739 |
234871.8953 |
3.85 |
53 |
WJ20220921004 |
WKGJ2022177-364D |
2022/9/24 |
2023/9/23 |
364 |
人民币 |
1.75%/3.3%/3.65% |
30000 |
523.56 |
EUR/USD |
2023/8/22 |
0.9652 |
1.0739 |
4494303.27 |
3.25 |
54 |
WJ20220922007 |
WKGJ2022178-365D |
2022/9/24 |
2023/9/24 |
365 |
人民币 |
2%/2.95%/3.3% |
10000 |
115 |
EUR/USD |
2023/8/22 |
0.9652 |
1.0739 |
941517.9355 |
2.94 |
55 |
WJ20220921006 |
WKGJ2022167-365D |
2022/9/27 |
2023/9/27 |
365 |
人民币 |
1.75%/3.2%/3.55% |
10000 |
165 |
1Y LPR |
2023/8/22 |
0.0365 |
0.0365 |
725000 |
2.48 |
56 |
WJ20220926002 |
WKGJ2022175-180D |
2022/9/27 |
2023/3/26 |
180 |
人民币 |
1.47%/3.8%/4.25% |
1000 |
12.48 |
1Y LPR |
2023/2/15 |
0.0365 |
0.0365 |
- |
3.80 |
57 |
WJ20220926008 |
WKGJ2022179-180D |
2022/9/28 |
2023/3/27 |
180 |
人民币 |
1.47%/3.6%/4.05% |
10000 |
114.9 |
1Y LPR |
2023/2/15 |
0.0365 |
0.0365 |
- |
3.60 |
58 |
WJ20220929005 |
WKGJ2022186-365D |
2022/10/1 |
2023/10/1 |
365 |
人民币 |
1.65%/3.65%/4.1% |
1000 |
22 |
1Y LPR |
2023/8/22 |
0.0365 |
0.0365 |
100000 |
2.65 |
59 |
WJ20220929008 |
WKGJ2022186-365D |
2022/10/1 |
2023/10/1 |
365 |
人民币 |
1.65%/3.65%/4.1% |
15000 |
330 |
1Y LPR |
2023/8/22 |
0.0365 |
0.0365 |
1500000 |
2.65 |
60 |
WJ20220926009 |
WKGJ2022179-180D |
2022/10/9 |
2023/4/7 |
180 |
人民币 |
1.47%/3.6%/4.05% |
5000 |
57.45 |
1Y LPR |
2023/3/1 |
0.0365 |
0.0365 |
262602.7397 |
2.54 |
61 |
WJ20221017001 |
WKGJ2022189-180D |
2022/10/18 |
2023/4/16 |
180 |
人民币 |
1.15%/3.4%/3.75% |
10000 |
120.82 |
1Y LPR |
2023/3/1 |
0.0365 |
0.0365 |
534246.5753 |
2.23 |
62 |
WJ20221024001 |
WKGJ2022196-180D |
2022/10/26 |
2023/4/24 |
180 |
人民币 |
1.15%/3.2%/3.55% |
30000 |
332.88 |
1Y LPR |
2023/3/21 |
0.0365 |
0.0365 |
1516438.356 |
2.18 |
63 |
WJ20221026008 |
WKGJ2022206-180D |
2022/10/27 |
2023/4/25 |
180 |
人民币 |
1.15%/3.2%/3.55% |
20000 |
221.92 |
1Y LPR |
2023/3/21 |
0.0365 |
0.0365 |
1010958.904 |
2.18 |
64 |
WJ20221026009 |
WKGJ2022197-180D |
2022/10/28 |
2023/4/26 |
180 |
人民币 |
1.15%/3.7%/4.05% |
2000 |
27.12 |
1Y LPR |
2023/3/21 |
0.0365 |
0.0365 |
125753.4247 |
2.43 |
65 |
WJ20221027001 |
WKGJ2022190-365D |
2022/10/29 |
2023/10/29 |
365 |
人民币 |
1.2%/3.5%/3.85% |
1000 |
25 |
1Y LPR |
2023/9/12 |
0.0365 |
0.0365 |
123846.1538 |
2.44 |
66 |
WJ20221028006 |
WKGJ2022190-365D |
2022/10/31 |
2023/10/31 |
365 |
人民币 |
1.2%/3.5%/3.85% |
10000 |
250 |
1Y LPR |
2023/9/12 |
0.0365 |
0.0365 |
1238461.538 |
2.44 |
67 |
WJ20221028003 |
WKGJ2022195-365D |
2022/11/1 |
2023/11/1 |
365 |
人民币 |
1.3%/3.05%/3.4% |
10000 |
195 |
1Y LPR |
2023/9/12 |
0.0365 |
0.0365 |
942307.6923 |
2.24 |
68 |
WJ20221101003 |
WKGJ2022208-180D |
2022/11/3 |
2023/5/2 |
180 |
人民币 |
1.15%/3.4%/3.75% |
1000 |
12.08 |
1Y LPR |
2023/3/21 |
0.0365 |
0.0365 |
55479.45205 |
2.28 |
69 |
WJ20221103002 |
WKGJ2022211-365D |
2022/11/5 |
2023/11/5 |
365 |
人民币 |
1.1%/2.5%/2.85% |
3000 |
48 |
1Y LPR |
2023/9/26 |
0.0365 |
0.0365 |
226153.8462 |
1.85 |
70 |
WJ20221109001 |
WKGJ2022215-365D |
2022/11/10 |
2023/11/10 |
365 |
人民币 |
1.1%/2.6%/2.95% |
10000 |
170 |
EUR/USD |
2023/9/26 |
1.0168 |
1.0739 |
1407932.632 |
2.51 |
71 |
WJ20221110004 |
WKGJ2022218-180D |
2022/11/12 |
2023/5/11 |
180 |
人民币 |
1.15%/2.9%/3.25% |
2000 |
19.23 |
EUR/USD |
2023/4/17 |
1.0328 |
1.0739 |
164722.7403 |
2.82 |
72 |
WJ20221111002 |
WKGJ2022219-365D |
2022/11/12 |
2023/11/12 |
365 |
人民币 |
1.1%/2.4%/2.75% |
4000 |
60 |
EUR/USD |
2023/9/26 |
1.0328 |
1.0739 |
486958.3459 |
2.32 |
73 |
WJ20221111003 |
WKGJ2022216-180D |
2022/11/16 |
2023/5/15 |
180 |
人民币 |
1.15%/3.3%/3.65% |
10000 |
115.89 |
EUR/USD |
2023/4/17 |
1.0377 |
1.0739 |
1028792.684 |
3.24 |
74 |
WJ20221118001 |
WKGJ2022223-90D |
2022/11/19 |
2023/2/17 |
90 |
人民币 |
1%/3.4%/3.75% |
7000 |
44.88 |
EUR/USD |
2023/1/17 |
1.0312 |
1.0830 |
- |
3.40 |
75 |
WJ20221118004 |
WKGJ2022224-90D |
2022/11/22 |
2023/2/20 |
90 |
人民币 |
1%/3.2%/3.55% |
1500 |
8.88 |
EUR/USD |
2023/1/30 |
1.0311 |
1.0869 |
- |
3.20 |
76 |
WJ20221118007 |
WKGJ2022187-90D |
2022/11/22 |
2023/2/20 |
90 |
人民币 |
1%/2.75%/3.1% |
2000 |
9.62 |
EUR/USD |
2023/1/30 |
1.0311 |
1.0869 |
- |
2.75 |
77 |
WJ20221124007 |
WKGJ2022211-365D |
2022/11/25 |
2023/11/25 |
365 |
人民币 |
1.1%/2.5%/2.85% |
5000 |
80 |
EUR/USD |
2023/10/11 |
1.0348 |
1.0739 |
667266.8155 |
2.43 |
78 |
WJ20221124004 |
WKGJ2022217-365D |
2022/11/26 |
2023/11/26 |
365 |
人民币 |
1.2%/3%/3.35% |
20000 |
400 |
EUR/USD |
2023/10/11 |
1.0348 |
1.0739 |
3425616.192 |
2.91 |
79 |
WJ20221125001 |
WKGJ2022211-365D |
2022/11/26 |
2023/11/26 |
365 |
人民币 |
1.1%/2.5%/2.85% |
3000 |
48 |
EUR/USD |
2023/10/11 |
1.0348 |
1.0739 |
400360.1038 |
2.43 |
80 |
WJ20221128002 |
WKGJ2022227-180D |
2022/11/30 |
2023/5/29 |
180 |
人民币 |
1.15%/3.15%/3.5% |
30000 |
325.48 |
EUR/USD |
2023/4/21 |
1.0427 |
1.0739 |
2868679.441 |
3.09 |
81 |
WJ20221128003 |
WKGJ2022187-90D |
2022/11/30 |
2023/2/28 |
90 |
人民币 |
1%/2.75%/3.1% |
3000 |
14.42 |
EUR/USD |
2023/2/7 |
1.0427 |
1.0740 |
- |
2.75 |
82 |
WJ20221128006 |
WKGJ2022229-90D |
2022/11/30 |
2023/2/28 |
90 |
人民币 |
1%/2.85%/3.2% |
3000 |
15.16 |
EUR/USD |
2023/2/7 |
1.0427 |
1.0740 |
- |
2.85 |
83 |
WJ20221201002 |
WKGJ2022234-365D |
2022/12/3 |
2023/12/3 |
365 |
人民币 |
1.1%/2.5%/2.85% |
3000 |
49.5 |
EUR/USD |
2023/10/18 |
1.0569 |
1.0739 |
382223.2114 |
2.37 |
84 |
WJ20221202001 |
WKGJ2022232-180D |
2022/12/6 |
2023/6/4 |
180 |
人民币 |
1.15%/3.34%/3.69% |
2000 |
23.57 |
EUR/USD |
2023/4/24 |
1.0473 |
1.0739 |
208067.3575 |
3.26 |
85 |
WJ20221205002 |
WKGJ2022236-90D |
2022/12/7 |
2023/3/7 |
90 |
人民币 |
1%/3.2%/3.55% |
1500 |
8.88 |
EUR/USD |
2023/2/15 |
1.0501 |
1.0716 |
- |
3.20 |
86 |
WJ20221205003 |
WKGJ2022234-365D |
2022/12/7 |
2023/12/7 |
365 |
人民币 |
1.1%/2.5%/2.85% |
5000 |
82.5 |
EUR/USD |
2023/10/18 |
1.0501 |
1.0739 |
642430.962 |
2.38 |
87 |
WJ20221206003 |
WKGJ2022238-180D |
2022/12/8 |
2023/6/6 |
180 |
人民币 |
1.15%/3.25%/3.6% |
10000 |
115.89 |
EUR/USD |
2023/4/24 |
1.0578 |
1.0739 |
1011143.874 |
3.20 |
88 |
WJ20221207001 |
WKGJ2022237-90D |
2022/12/9 |
2023/3/9 |
90 |
人民币 |
1%/3.4%/3.75% |
5000 |
32.05 |
EUR/USD |
2023/2/15 |
1.0512 |
1.0716 |
- |
3.40 |
89 |
WJ20221209001 |
WKGJ2022239-150D |
2022/12/10 |
2023/5/9 |
150 |
人民币 |
1.15%/3.25%/3.6% |
2500 |
23.63 |
EUR/USD |
2023/4/11 |
1.0512 |
1.0739 |
207669.9831 |
3.17 |
90 |
WJ20221208002 |
WKGJ2022217-365D |
2022/12/10 |
2023/12/10 |
365 |
人民币 |
1.2%/3%/3.35% |
2500 |
50 |
EUR/USD |
2023/10/26 |
1.0512 |
1.0739 |
406778.2593 |
2.83 |
91 |
WJ20221208004 |
WKGJ2022240-365D |
2022/12/10 |
2023/12/10 |
365 |
人民币 |
1.2%/2.95%/3.3% |
1200 |
23.4 |
EUR/USD |
2023/10/26 |
1.0512 |
1.0739 |
189932.1472 |
2.78 |
92 |
WJ20221208006 |
WKGJ2022241-365D |
2022/12/10 |
2023/12/10 |
365 |
人民币 |
1.2%/3%/3.35% |
10000 |
200 |
EUR/USD |
2023/10/26 |
1.0512 |
1.0739 |
1627108.245 |
2.83 |
93 |
WJ20221208007 |
WKGJ2022241-365D |
2022/12/10 |
2023/12/10 |
365 |
人民币 |
1.2%/3%/3.35% |
8000 |
160 |
EUR/USD |
2023/10/26 |
1.0512 |
1.0739 |
1301690.396 |
2.83 |
94 |
WJ20221209005 |
WKGJ2022243-730D |
2022/12/10 |
2024/12/9 |
730 |
人民币 |
2%/3.6%/3.95% |
30000 |
1110 |
EUR/USD |
2023/12/4 |
1.0512 |
1.0739 |
9047322.632 |
3.51 |
95 |
WJ20221212007 |
WKGJ2022220-365D |
2022/12/14 |
2023/12/14 |
365 |
人民币 |
1.2%/2.7%/3.05% |
5000 |
85 |
EUR/USD |
2023/10/26 |
1.0663 |
1.0739 |
689892.706 |
2.58 |
96 |
WJ20221213002 |
WKGJ2022239-150D |
2022/12/14 |
2023/5/13 |
150 |
人民币 |
1.15%/3.25%/3.6% |
4000 |
37.81 |
EUR/USD |
2023/4/11 |
1.0663 |
1.0739 |
336568.4263 |
3.20 |
97 |
WJ20221212003 |
WKGJ2022234-365D |
2022/12/15 |
2023/12/15 |
365 |
人民币 |
1.1%/2.5%/2.85% |
2000 |
33 |
EUR/USD |
2023/10/26 |
1.0642 |
1.0739 |
259139.0266 |
2.40 |
98 |
WJ20221214008 |
WKGJ2022244-90D |
2022/12/15 |
2023/3/15 |
90 |
人民币 |
1%/3.2%/3.55% |
5000 |
29.59 |
EUR/USD |
2023/2/15 |
1.0642 |
1.0716 |
- |
3.20 |
99 |
WJ20221214007 |
WKGJ2022244-90D |
2022/12/15 |
2023/3/15 |
90 |
人民币 |
1%/3.2%/3.55% |
5000 |
29.59 |
EUR/USD |
2023/2/15 |
1.0642 |
1.0716 |
- |
3.20 |
100 |
WJ20221209004 |
WKGJ2022242-365D |
2022/12/16 |
2023/12/16 |
365 |
人民币 |
1.1%/2.4%/2.75% |
10000 |
150 |
EUR/USD |
2023/11/2 |
1.0605 |
1.0739 |
1209686.362 |
2.31 |
101 |
WJ20221214010 |
WKGJ2022187-90D |
2022/12/16 |
2023/3/16 |
90 |
人民币 |
1%/2.75%/3.1% |
1100 |
5.29 |
EUR/USD |
2023/2/15 |
1.0605 |
1.0716 |
- |
2.75 |
102 |
WJ20221215003 |
WKGJ2022241-365D |
2022/12/17 |
2023/12/17 |
365 |
人民币 |
1.2%/3%/3.35% |
2500 |
50 |
EUR/USD |
2023/11/2 |
1.0605 |
1.0739 |
437167.1363 |
2.95 |
103 |
WJ20221214006 |
WKGJ2022246-180D |
2022/12/17 |
2023/6/15 |
180 |
人民币 |
1.4%/3.25%/3.6% |
20000 |
207.12 |
EUR/USD |
2023/4/26 |
1.0605 |
1.0739 |
1852129.719 |
3.28 |
104 |
WJ20221215005 |
WKGJ2022220-365D |
2022/12/17 |
2023/12/17 |
365 |
人民币 |
1.2%/2.7%/3.05% |
5000 |
85 |
EUR/USD |
2023/11/2 |
1.0605 |
1.0739 |
695711.3145 |
2.59 |
105 |
WJ20221215007 |
WKGJ2022238-180D |
2022/12/20 |
2023/6/18 |
180 |
人民币 |
1.15%/3.25%/3.6% |
2000 |
23.18 |
EUR/USD |
2023/5/9 |
1.0619 |
1.0739 |
205205.7292 |
3.23 |
106 |
WJ20221216004 |
WKGJ2022245-60D |
2022/12/20 |
2023/2/18 |
60 |
人民币 |
1%/3.1%/3.45% |
1000 |
3.86 |
EUR/USD |
2023/1/30 |
1.0619 |
1.0869 |
- |
3.10 |
107 |
WJ20221219002 |
WKGJ2022241-365D |
2022/12/21 |
2023/12/21 |
365 |
人民币 |
1.2%/3%/3.35% |
3000 |
61.5 |
EUR/USD |
2023/11/2 |
1.0630 |
1.0739 |
496713.3224 |
2.86 |
108 |
WJ20221221002 |
WKGJ2022238-180D |
2022/12/23 |
2023/6/21 |
180 |
人民币 |
1.15%/3.25%/3.6% |
1500 |
17.38 |
EUR/USD |
2023/5/11 |
1.0652 |
1.0739 |
153037.3996 |
3.22 |
109 |
WJ20221222002 |
WKGJ2022234-365D |
2022/12/24 |
2023/12/24 |
365 |
人民币 |
1.1%/2.5%/2.85% |
2500 |
41.25 |
EUR/USD |
2023/11/10 |
1.0652 |
1.0739 |
339717.8378 |
2.46 |
110 |
WJ20221223004 |
WKGJ2022247-180D |
2022/12/27 |
2023/6/25 |
180 |
人民币 |
1.15%/2.8%/3.15% |
7000 |
65.59 |
EUR/USD |
2023/5/11 |
1.0642 |
1.0739 |
548731.9151 |
2.74 |
111 |
WJ20221226003 |
WKGJ2022253-180D |
2022/12/28 |
2023/6/26 |
180 |
人民币 |
1.15%/3.2%/3.55% |
10000 |
113.42 |
EUR/USD |
2023/5/16 |
1.0630 |
1.0739 |
1022495.781 |
3.22 |
112 |
WJ20221226001 |
WKGJ2022249-90D |
2022/12/29 |
2023/3/29 |
90 |
人民币 |
1%/3.4%/3.75% |
3000 |
19.6 |
EUR/USD |
2023/3/3 |
1.0661 |
1.0739 |
179420.4423 |
3.43 |
113 |
WJ20221228005 |
WKGJ2022247-90D |
2022/12/30 |
2023/3/30 |
90 |
人民币 |
1%/2.75%/3.1% |
2500 |
12.33 |
EUR/USD |
2023/3/6 |
1.0658 |
1.0739 |
108036.1424 |
2.75 |
114 |
WJ20230103009 |
WKGJ2023001-180D |
2023/1/5 |
2023/7/4 |
180 |
人民币 |
1.15%/3.24%/3.59% |
11000 |
124.22 |
EUR/USD |
2023/6/4 |
1.0526 |
1.0739 |
1133794.217 |
3.24 |
115 |
WJ20230103011 |
WKGJ2023002-60D |
2023/1/5 |
2023/3/6 |
60 |
人民币 |
1%/3%/3.35% |
1000 |
3.7 |
EUR/USD |
2023/2/15 |
1.0526 |
1.0716 |
- |
3.00 |
116 |
WJ20230105001 |
WKGJ2023003-90D |
2023/1/6 |
2023/4/6 |
90 |
人民币 |
1%/3.6%/3.95% |
30000 |
210.82 |
EUR/USD |
2023/3/9 |
1.0668 |
1.0739 |
1938901.953 |
3.62 |
117 |
WJ20230104002 |
WKGJ2022251-90D |
2023/1/6 |
2023/4/6 |
90 |
人民币 |
1%/2.85%/3.2% |
5000 |
25.89 |
EUR/USD |
2023/3/9 |
1.0668 |
1.0739 |
230228.6023 |
2.87 |
118 |
WJ20230105002 |
WKGJ2023006-180D |
2023/1/7 |
2023/7/6 |
180 |
人民币 |
1.05%/2.3%/2.65% |
1000 |
7.4 |
EUR/USD |
2023/6/2 |
1.0668 |
1.0739 |
59041.04212 |
2.25 |
119 |
WJ20230107001 |
WKGJ2023005-180D |
2023/1/10 |
2023/7/9 |
180 |
人民币 |
1.15%/3.2%/3.55% |
4000 |
45.37 |
EUR/USD |
2023/6/9 |
1.0731 |
1.0739 |
392261.6614 |
3.14 |
120 |
WJ20230109002 |
WKGJ2023004-180D |
2023/1/11 |
2023/7/10 |
180 |
人民币 |
1.15%/3.15%/3.5% |
30000 |
332.88 |
EUR/USD |
2023/6/9 |
1.0767 |
1.0739 |
2856903.856 |
3.08 |
121 |
WJ20230110009 |
WKGJ2022247-365D |
2023/1/11 |
2024/1/11 |
365 |
人民币 |
1.2%/2.85%/3.2% |
3000 |
57 |
EUR/USD |
2023/12/4 |
1.0767 |
1.0739 |
441441.0768 |
2.67 |
122 |
WJ20230110010 |
WKGJ2023009-180D |
2023/1/11 |
2023/7/10 |
180 |
人民币 |
1.15%/2.7%/3.05% |
4500 |
39.95 |
EUR/USD |
2023/6/9 |
1.0767 |
1.0739 |
319644.7368 |
2.59 |
123 |
WJ20230110006 |
WKGJ2022248-180D |
2023/1/12 |
2023/7/11 |
180 |
人民币 |
1.15%/3.26%/3.61% |
10000 |
116.38 |
EUR/USD |
2023/6/9 |
1.0856 |
1.0739 |
991949.5741 |
3.16 |
124 |
WJ20230110007 |
WKGJ2022255-90D |
2023/1/12 |
2023/4/12 |
90 |
人民币 |
1%/3.2%/3.55% |
1000 |
6.04 |
EUR/USD |
2023/3/9 |
1.0856 |
1.0739 |
53497.74858 |
3.17 |
125 |
WJ20230112001 |
WKGJ2022255-90D |
2023/1/13 |
2023/4/13 |
90 |
人民币 |
1%/3.2%/3.55% |
1000 |
6.04 |
EUR/USD |
2023/3/14 |
1.0867 |
1.0739 |
52291.75956 |
3.12 |
126 |
WJ20230112005 |
WKGJ2023010-90D |
2023/1/14 |
2023/4/14 |
90 |
人民币 |
1%/2.81%/3.16% |
10000 |
50.79 |
EUR/USD |
2023/3/14 |
1.0867 |
1.0739 |
411017.7212 |
2.67 |
127 |
WJ20230112006 |
WKGJ2023010-90D |
2023/1/14 |
2023/4/14 |
90 |
人民币 |
1%/2.81%/3.16% |
6000 |
30.48 |
EUR/USD |
2023/3/14 |
1.0867 |
1.0739 |
246610.6327 |
2.67 |
128 |
WJ20230112004 |
WKGJ2022241-365D |
2023/1/14 |
2024/1/14 |
365 |
人民币 |
1.2%/3%/3.35% |
7000 |
140 |
EUR/USD |
2023/11/10 |
1.0867 |
1.0739 |
1095739.337 |
2.77 |
129 |
WJ20230117003 |
WKGJ2023008-180D |
2023/1/18 |
2023/7/17 |
180 |
人民币 |
1.05%/2.4%/2.75% |
5000 |
39.45 |
EUR/USD |
2023/6/12 |
1.0786 |
1.0739 |
302680.3268 |
2.28 |
130 |
WJ20230117001 |
WKGJ2022255-90D |
2023/1/19 |
2023/4/19 |
90 |
人民币 |
1%/3.2%/3.55% |
1500 |
9.06 |
EUR/USD |
2023/3/21 |
1.0836 |
1.0739 |
78019.80349 |
3.11 |
131 |
WJ20230118004 |
WKGJ2022247-30D |
2023/1/20 |
2023/2/19 |
30 |
人民币 |
1.1%/2.6%/2.95% |
2000 |
2.88 |
EUR/USD |
2023/2/15 |
1.0874 |
1.0716 |
- |
2.60 |
132 |
WJ20230129027 |
WKGJ2023015-30D |
2023/1/31 |
2023/3/2 |
30 |
人民币 |
1.1%/2.7%/3.05% |
2000 |
3.04 |
EUR/USD |
2023/2/15 |
1.0858 |
1.0716 |
- |
2.70 |
133 |
WJ20230129041 |
WKGJ2023017-365D |
2023/1/31 |
2024/1/31 |
365 |
人民币 |
1.2%/3.2%/3.55% |
7000 |
157.5 |
EUR/USD |
2023/11/21 |
1.0858 |
1.0739 |
1218878.274 |
2.94 |
134 |
WJ20230130023 |
WKGJ2023019-365D |
2023/1/31 |
2024/1/31 |
365 |
人民币 |
1.2%/3%/3.35% |
30000 |
615 |
EUR/USD |
2023/11/21 |
1.0858 |
1.0739 |
4708121.266 |
2.77 |
135 |
WJ20230130029 |
WKGJ2023014-25D |
2023/1/31 |
2023/2/25 |
25 |
人民币 |
1.1%/3%/3.35% |
1500 |
2.21 |
EUR/USD |
2023/2/15 |
1.0858 |
1.0716 |
- |
3.00 |
136 |
WJ20230130033 |
WKGJ2023018-180D |
2023/2/1 |
2023/7/31 |
180 |
人民币 |
1.15%/3.1%/3.45% |
5500 |
59.67 |
EUR/USD |
2023/6/26 |
1.1014 |
1.0739 |
443226.5879 |
2.78 |
137 |
WJ20230131004 |
WKGJ2023020-164D |
2023/2/1 |
2023/7/15 |
164 |
人民币 |
1.2%/3.2%/3.55% |
10000 |
101.1 |
EUR/USD |
2023/6/9 |
1.1014 |
1.0739 |
877263.9878 |
3.15 |
138 |
WJ20230130025 |
WKGJ2023016-90D |
2023/2/1 |
2023/5/2 |
90 |
人民币 |
1%/3.4%/3.75% |
3000 |
19.23 |
EUR/USD |
2023/4/11 |
1.1014 |
1.0739 |
155410.2574 |
3.10 |
139 |
WJ20230131013 |
WKGJ2023020-102D |
2023/2/2 |
2023/5/15 |
102 |
人民币 |
1%/3.2%/3.55% |
10000 |
68.47 |
EUR/USD |
2023/4/17 |
1.0894 |
1.0739 |
612785.2196 |
3.19 |
140 |
WJ20230201002 |
WKGJ2022247-180D |
2023/2/3 |
2023/8/2 |
180 |
人民币 |
1.15%/2.8%/3.15% |
1500 |
14.05 |
EUR/USD |
2023/7/3 |
1.0786 |
1.0739 |
109021.2294 |
2.62 |
141 |
WJ20230202010 |
WKGJ2022247-30D |
2023/2/4 |
2023/3/6 |
30 |
人民币 |
1.1%/2.6%/2.95% |
2000 |
2.88 |
EUR/USD |
2023/2/21 |
1.0786 |
1.0739 |
22698.39143 |
2.48 |
142 |
WJ20230202012 |
WKGJ2023022-60D |
2023/2/4 |
2023/4/5 |
60 |
人民币 |
1%/3.4%/3.75% |
10000 |
43.56 |
EUR/USD |
2023/3/14 |
1.0786 |
1.0739 |
372655.8757 |
3.27 |
143 |
WJ20230203009 |
WKGJ2022247-180D |
2023/2/7 |
2023/8/6 |
180 |
人民币 |
1.15%/2.8%/3.15% |
1500 |
14.05 |
EUR/USD |
2023/7/3 |
1.0727 |
1.0739 |
111022.8372 |
2.65 |
144 |
WJ20230205001 |
WKGJ2023021-180D |
2023/2/8 |
2023/8/7 |
180 |
人民币 |
1.15%/3.05%/3.4% |
20000 |
212.05 |
EUR/USD |
2023/7/3 |
1.0725 |
1.0739 |
1703953.35 |
2.88 |
145 |
WJ20230207003 |
WKGJ2023024-90D |
2023/2/8 |
2023/5/9 |
90 |
人民币 |
1%/3.4%/3.75% |
5000 |
32.67 |
EUR/USD |
2023/4/11 |
1.0725 |
1.0739 |
272466.9477 |
3.21 |
146 |
WJ20230208001 |
WKGJ2022247-180D |
2023/2/10 |
2023/8/9 |
180 |
人民币 |
1.15%/2.8%/3.15% |
2000 |
18.74 |
EUR/USD |
2023/7/12 |
1.0667 |
1.0739 |
149908.4142 |
2.67 |
147 |
WJ20230209003 |
WKGJ2023026-90D |
2023/2/11 |
2023/5/12 |
90 |
人民币 |
1%/2.8%/3.15% |
1600 |
8.09 |
EUR/USD |
2023/4/11 |
1.0667 |
1.0739 |
67173.07886 |
2.70 |
148 |
WJ20230209012 |
WKGJ2022247-180D |
2023/2/11 |
2023/8/10 |
180 |
人民币 |
1.15%/2.8%/3.15% |
1500 |
14.05 |
EUR/USD |
2023/7/12 |
1.0667 |
1.0739 |
112431.3449 |
2.67 |
149 |
WJ20230210001 |
WKGJ2023023-180D |
2023/2/11 |
2023/8/10 |
180 |
人民币 |
1.15%/3.3%/3.65% |
10000 |
118.36 |
EUR/USD |
2023/7/12 |
1.0667 |
1.0739 |
971037.4215 |
3.12 |
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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