发布时间:2024-04-15 16:12:40
尊敬的客户:
以下是我行单位结构性存款产品2024年4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!
2024年4月单位结构性存款产品账单 |
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账单日:2024-04-15 |
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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(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 |
WJ20221209005 |
WKGJ2022243-730D |
2022/12/10 |
2024/12/9 |
730天 |
人民币 |
2%/3.6%/3.95% |
30000 |
11100000 |
EUR/USD |
2023/12/4 |
1.05115 |
1.087 |
0 |
3.6 |
2 |
WJ20230418002 |
WKGJ2023078-365D |
2023/4/20 |
2024/4/19 |
365天 |
人民币 |
1.2%/3%/3.35% |
8000 |
1680000 |
EUR/USD |
2023/9/21 |
1.09665 |
1.0635 |
0 |
3 |
3 |
WJ20230427004 |
WKGJ2023078-365D |
2023/4/29 |
2024/4/28 |
365天 |
人民币 |
1.2%/3%/3.35% |
7000 |
1470000 |
EUR/USD |
2023/9/26 |
1.10810 |
1.0587 |
0 |
3 |
4 |
WJ20230427007 |
WKGJ2023088-365D |
2023/4/29 |
2024/4/28 |
365天 |
人民币 |
1.2%/3.2%/3.55% |
5000 |
1150000 |
EUR/USD |
2023/9/26 |
1.10810 |
1.0587 |
0 |
3.2 |
5 |
WJ20230506001 |
WKGJ2023085-365D |
2023/5/11 |
2024/5/10 |
365天 |
人民币 |
1.2%/3.2%/3.55% |
3000 |
690000 |
EUR/USD |
2024/2/1 |
1.09235 |
1.0804 |
0.00 |
3.2 |
6 |
WJ20230511009 |
WKGJ2023102-365D |
2023/5/16 |
2024/5/15 |
365天 |
人民币 |
1.2%/3%/3.35% |
17000 |
3570000 |
EUR/USD |
2023/9/26 |
1.08690 |
1.0587 |
0.00 |
3 |
7 |
WJ20230515001 |
WKGJ2023101-365D |
2023/5/17 |
2024/5/16 |
365天 |
人民币 |
1.2%/2.95%/3.3% |
3000 |
615000 |
EUR/USD |
2024/2/1 |
1.08450 |
1.0804 |
0.00 |
2.95 |
8 |
WJ20230524003 |
WKGJ2023114-350D |
2023/5/26 |
2024/5/10 |
350天 |
人民币 |
1.2%/3%/3.35% |
3000 |
604109.59 |
EUR/USD |
2024/2/20 |
1.07310 |
1.0857 |
0.00 |
3 |
9 |
WJ20230529002 |
WKGJ2023117-365D |
2023/5/31 |
2024/5/30 |
365天 |
人民币 |
1.2%/2.95%/3.3% |
7500 |
1537500 |
EUR/USD |
2024/2/20 |
1.06920 |
1.0857 |
0.00 |
2.95 |
10 |
WJ20230615004 |
WKGJ2023129-365D |
2023/6/17 |
2024/6/16 |
365天 |
人民币 |
1.2%/2.95%/3.3% |
10000 |
2050000 |
EUR/USD |
2024/2/20 |
1.09365 |
1.0857 |
0.00 |
2.95 |
11 |
WJ20230707003 |
WKGJ2023147-365D |
2023/7/8 |
2024/7/7 |
365天 |
人民币 |
1.2%/2.95%/3.3% |
13000 |
2665000 |
EUR/USD |
2024/4/10 |
1.09605 |
1.0857 |
0.00 |
2.95 |
12 |
WJ20230707005 |
WKGJ2023122-365D |
2023/7/11 |
2024/7/10 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
1500 |
285000 |
EUR/USD |
2024/4/10 |
1.10275 |
1.0857 |
0.00 |
2.85 |
13 |
WJ20230713001 |
WKGJ2023122-365D |
2023/7/18 |
2024/7/17 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
6000 |
1140000 |
EUR/USD |
2024/4/10 |
1.12260 |
1.0857 |
0.00 |
2.85 |
14 |
WJ20230713002 |
WKGJ2023122-365D |
2023/7/18 |
2024/7/17 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
7000 |
1330000 |
EUR/USD |
2024/4/10 |
1.12260 |
1.0857 |
0.00 |
2.85 |
15 |
WJ20230717001 |
WKGJ2023122-365D |
2023/7/18 |
2024/7/17 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
1500 |
285000 |
EUR/USD |
2024/4/10 |
1.12260 |
1.0857 |
0.00 |
2.85 |
16 |
WJ20230720003 |
WKGJ2023122-365D |
2023/7/22 |
2024/7/21 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
10000 |
1900000 |
EUR/USD |
2024/4/10 |
1.11215 |
1.0857 |
0.00 |
2.85 |
17 |
WJ20230720002 |
WKGJ2023122-365D |
2023/7/22 |
2024/7/21 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
10000 |
1900000 |
EUR/USD |
2024/4/10 |
1.11215 |
1.0857 |
0.00 |
2.85 |
18 |
WJ20230727004 |
WKGJ2023156-365D |
2023/7/29 |
2024/7/28 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
15000 |
2850000 |
EUR/USD |
2024/4/10 |
1.10150 |
1.0857 |
0.00 |
2.85 |
19 |
WJ20230810002 |
WKGJ2023156-365D |
2023/8/12 |
2024/8/11 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
10000 |
1900000 |
EUR/USD |
2024/7/2 |
1.09360 |
1.0857 |
1637531.05 |
2.84 |
20 |
WJ20230810006 |
WKGJ2023156-365D |
2023/8/12 |
2024/8/11 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
10000 |
1900000 |
EUR/USD |
2024/7/2 |
1.09360 |
1.0857 |
1637531.05 |
2.84 |
21 |
WJ20230816004 |
WKGJ2023122-365D |
2023/8/18 |
2024/8/17 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
1200 |
228000 |
EUR/USD |
2024/7/2 |
1.08730 |
1.0857 |
194443.46 |
2.82 |
22 |
WJ20230816002 |
WKGJ2023122-365D |
2023/8/19 |
2024/8/18 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
5000 |
950000 |
EUR/USD |
2024/7/2 |
1.08730 |
1.0857 |
810064.61 |
2.82 |
23 |
WJ20230829002 |
WKGJ2023156-365D |
2023/8/30 |
2024/8/29 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
10000 |
1900000 |
EUR/USD |
2024/7/2 |
1.09290 |
1.0857 |
1615704.11 |
2.82 |
24 |
WJ20230914002 |
WKGJ2023156-365D |
2023/9/16 |
2024/9/15 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
8000 |
1520000 |
EUR/USD |
2024/7/2 |
1.06630 |
1.0857 |
1301381.86 |
2.83 |
25 |
WJ20231017001 |
WKGJ2023122-365D |
2023/10/19 |
2024/10/18 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
1000 |
190000 |
EUR/USD |
2024/10/15 |
1.05720 |
1.0857 |
162133.17 |
2.82 |
26 |
WJ20231019002 |
WKGJ2023217-365D |
2023/10/20 |
2024/10/19 |
365天 |
人民币 |
1.2%/3.1%/3.45% |
1000 |
220000 |
EUR/USD |
2024/10/15 |
1.05840 |
1.0857 |
187202.78 |
3.07 |
27 |
WJ20231020001 |
WKGJ2023156-180D |
2023/10/21 |
2024/4/18 |
180天 |
人民币 |
1.15%/2.8%/3.15% |
1100 |
103068.49 |
EUR/USD |
2024/4/10 |
1.05840 |
1.0857 |
0.00 |
2.8 |
28 |
WJ20231024003 |
WKGJ2023122-365D |
2023/10/25 |
2024/10/24 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
5000 |
950000 |
EUR/USD |
2024/10/15 |
1.05550 |
1.0857 |
809656.17 |
2.82 |
29 |
WJ20231023002 |
WKGJ2023156-180D |
2023/10/26 |
2024/4/23 |
180天 |
人民币 |
1.15%/2.8%/3.15% |
5000 |
468493.15 |
EUR/USD |
2024/4/10 |
1.05600 |
1.0857 |
0.00 |
2.8 |
30 |
WJ20231026001 |
WKGJ2023216-180D |
2023/10/27 |
2024/4/24 |
180天 |
人民币 |
1.15%/2.8%/3.15% |
5000 |
468493.15 |
EUR/USD |
2024/4/10 |
1.05630 |
1.0857 |
0.00 |
2.8 |
31 |
WJ20231027001 |
WKGJ2023223-180D |
2023/10/28 |
2024/4/25 |
180天 |
人民币 |
1.05%/2.6%/2.95% |
2000 |
177534.25 |
EUR/USD |
2024/4/10 |
1.05630 |
1.0857 |
0.00 |
2.6 |
32 |
WJ20231030004 |
WKGJ2023222-180D |
2023/10/31 |
2024/4/28 |
180天 |
人民币 |
1.15%/3%/3.35% |
6000 |
636164.38 |
EUR/USD |
2024/4/10 |
1.05690 |
1.0857 |
0.00 |
3 |
33 |
WJ20231025001 |
WKGJ2023214-180D |
2023/10/31 |
2024/4/28 |
180天 |
人民币 |
1.15%/2.9%/3.25% |
20000 |
2021917.81 |
EUR/USD |
2024/4/10 |
1.05690 |
1.0857 |
0.00 |
2.9 |
34 |
WJ20231030007 |
WKGJ2023225-180D |
2023/10/31 |
2024/4/28 |
180天 |
人民币 |
1.05%/2.7%/3.05% |
20000 |
1873972.6 |
EUR/USD |
2024/4/10 |
1.05690 |
1.0857 |
0.00 |
2.7 |
35 |
WJ20231103001 |
WKGJ2023229-180D |
2023/11/7 |
2024/5/5 |
180天 |
人民币 |
1.05%/2.7%/3.05% |
5000 |
468493.15 |
EUR/USD |
2024/4/10 |
1.06920 |
1.0857 |
0.00 |
2.7 |
36 |
WJ20231109001 |
WKGJ2023216-365D |
2023/11/11 |
2024/11/10 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
10000 |
1900000 |
EUR/USD |
2024/10/15 |
1.06860 |
1.0857 |
1594510.50 |
2.79 |
37 |
WJ20231109007 |
WKGJ2023233-365D |
2023/11/11 |
2024/11/10 |
365天 |
人民币 |
1.1%/2.3%/2.65% |
10000 |
1450000 |
EUR/USD |
2024/10/15 |
1.06860 |
1.0857 |
1161960.96 |
2.26 |
38 |
WJ20231110001 |
WKGJ2023222-180D |
2023/11/14 |
2024/5/12 |
180天 |
人民币 |
1.15%/3%/3.35% |
10000 |
1060273.97 |
EUR/USD |
2024/4/10 |
1.08730 |
1.0857 |
0.00 |
3 |
39 |
WJ20231113001 |
WKGJ2023234-180D |
2023/11/15 |
2024/5/13 |
180天 |
人民币 |
1.15%/2.7%/3.05% |
20000 |
1775342.47 |
EUR/USD |
2024/4/10 |
1.08450 |
1.0857 |
0.00 |
2.7 |
40 |
WJ20231114001 |
WKGJ2023235-180D |
2023/11/15 |
2024/5/13 |
180天 |
人民币 |
0.9%/2.25%/2.6% |
20000 |
1578082.19 |
EUR/USD |
2024/4/10 |
1.08450 |
1.0857 |
0.00 |
2.25 |
41 |
WJ20231114003 |
WKGJ2023231-180D |
2023/11/17 |
2024/5/15 |
180天 |
人民币 |
1.15%/2.9%/3.25% |
1000 |
101095.89 |
EUR/USD |
2024/4/10 |
1.09085 |
1.0857 |
0.00 |
2.9 |
42 |
WJ20231116004 |
WKGJ2023233-365D |
2023/11/18 |
2024/11/17 |
365天 |
人民币 |
1.1%/2.3%/2.65% |
5000 |
725000 |
EUR/USD |
2024/10/15 |
1.09085 |
1.0857 |
570425.50 |
2.24 |
43 |
WJ20231117002 |
WKGJ2023239-180D |
2023/11/18 |
2024/5/16 |
180天 |
人民币 |
1.15%/2.85%/3.2% |
20000 |
1972602.74 |
EUR/USD |
2024/4/10 |
1.09085 |
1.0857 |
0.00 |
2.85 |
44 |
WJ20231123001 |
WKGJ2023241-180D |
2023/11/25 |
2024/5/23 |
180天 |
人民币 |
1.05%/2.5%/2.85% |
5000 |
419178.08 |
EUR/USD |
2024/4/23 |
1.09470 |
1.0857 |
361950.20 |
2.52 |
45 |
WJ20231123002 |
WKGJ2023216-365D |
2023/11/25 |
2024/11/24 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
5000 |
950000 |
EUR/USD |
2024/10/15 |
1.09470 |
1.0857 |
814304.22 |
2.83 |
46 |
WJ20231124001 |
WKGJ2023216-365D |
2023/11/25 |
2024/11/24 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
10000 |
1900000 |
EUR/USD |
2024/10/15 |
1.09470 |
1.0857 |
1628608.36 |
2.83 |
47 |
WJ20231127001 |
WKGJ2023245-180D |
2023/11/28 |
2024/5/26 |
180天 |
人民币 |
1.15%/2.7%/3.05% |
15000 |
1331506.85 |
EUR/USD |
2024/5/13 |
1.10060 |
1.0857 |
1143599.63 |
2.7 |
48 |
WJ20231128004 |
WKGJ2023216-365D |
2023/11/30 |
2024/11/29 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
5000 |
950000 |
EUR/USD |
2024/10/15 |
1.09070 |
1.0857 |
814216.02 |
2.83 |
49 |
WJ20231129001 |
WKGJ2023251-180D |
2023/11/30 |
2024/5/28 |
180天 |
人民币 |
1.15%/2.9%/3.25% |
4000 |
404383.56 |
EUR/USD |
2024/5/13 |
1.09070 |
1.0857 |
349276.94 |
2.92 |
50 |
WJ20231128006 |
WKGJ2023216-180D |
2023/11/30 |
2024/5/28 |
180天 |
人民币 |
1.15%/2.8%/3.15% |
5000 |
468493.15 |
EUR/USD |
2024/5/13 |
1.09070 |
1.0857 |
411647.85 |
2.82 |
51 |
WJ20231130004 |
WKGJ2023241-180D |
2023/12/2 |
2024/5/30 |
180天 |
人民币 |
1.05%/2.5%/2.85% |
5000 |
419178.08 |
EUR/USD |
2024/5/13 |
1.08730 |
1.0857 |
360534.31 |
2.51 |
52 |
WJ20231201002 |
WKGJ2023216-180D |
2023/12/5 |
2024/6/2 |
180天 |
人民币 |
1.15%/2.8%/3.15% |
2000 |
187397.26 |
EUR/USD |
2024/5/13 |
1.07920 |
1.0857 |
164333.01 |
2.82 |
53 |
WJ20231207002 |
WKGJ2023257-180D |
2023/12/9 |
2024/6/6 |
180天 |
人民币 |
1.05%/2.5%/2.85% |
10000 |
838356.16 |
EUR/USD |
2024/5/13 |
1.07680 |
1.0857 |
722225.16 |
2.51 |
54 |
WJ20231208001 |
WKGJ2023216-365D |
2023/12/9 |
2024/12/8 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
6000 |
1140000 |
EUR/USD |
2024/10/15 |
1.07680 |
1.0857 |
978181.06 |
2.83 |
55 |
WJ20231208003 |
WKGJ2023216-180D |
2023/12/12 |
2024/6/9 |
180天 |
人民币 |
1.15%/2.8%/3.15% |
10000 |
936986.3 |
EUR/USD |
2024/5/13 |
1.07940 |
1.0857 |
821846.03 |
2.82 |
56 |
WJ20231212004 |
WKGJ2023258-270D |
2023/12/13 |
2024/9/8 |
270天 |
人民币 |
1.15%/3.25%/3.6% |
20000 |
3550684.93 |
EUR/USD |
2024/7/2 |
1.08970 |
1.0857 |
3098843.10 |
3.24 |
57 |
WJ20231214001 |
WKGJ2023257-180D |
2023/12/16 |
2024/6/13 |
180天 |
人民币 |
1.05%/2.5%/2.85% |
5000 |
419178.08 |
EUR/USD |
2024/5/13 |
1.08970 |
1.0857 |
358232.90 |
2.5 |
58 |
WJ20231215002 |
WKGJ2023216-365D |
2023/12/16 |
2024/12/15 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
6000 |
1140000 |
EUR/USD |
2024/10/15 |
1.08970 |
1.0857 |
975539.22 |
2.83 |
59 |
WJ20231215006 |
WKGJ2023260-365-1D |
2023/12/20 |
2024/12/19 |
365天 |
人民币 |
1.1%/2.5%/2.85% |
5000 |
825000 |
EUR/USD |
2024/10/15 |
1.09530 |
1.0857 |
688823.59 |
2.48 |
60 |
WJ20231218007 |
WKGJ2023260-365-2D |
2023/12/20 |
2024/12/19 |
365天 |
人民币 |
1.1%/2.5%/2.85% |
5000 |
825000 |
EUR/USD |
2024/10/15 |
1.09530 |
1.0857 |
688823.59 |
2.48 |
61 |
WJ20231218002 |
WKGJ2023216-180D |
2023/12/20 |
2024/6/17 |
180天 |
人民币 |
1.15%/2.8%/3.15% |
1500 |
140547.95 |
EUR/USD |
2024/5/13 |
1.09530 |
1.0857 |
121485.46 |
2.79 |
62 |
WJ20231219003 |
WKGJ2023262-180D |
2023/12/20 |
2024/6/17 |
180天 |
人民币 |
0.9%/2.25%/2.6% |
2000 |
157808.22 |
EUR/USD |
2024/5/13 |
1.09530 |
1.0857 |
132529.59 |
2.24 |
63 |
WJ20231218001 |
WKGJ2023216-180D |
2023/12/21 |
2024/6/18 |
180天 |
人民币 |
1.15%/2.8%/3.15% |
2000 |
187397.26 |
EUR/USD |
2024/5/13 |
1.09980 |
1.0857 |
164230.72 |
2.82 |
64 |
WJ20231219008 |
WKGJ2023261-180D |
2023/12/21 |
2024/6/18 |
180天 |
人民币 |
1.05%/2.7%/3.05% |
10000 |
936986.3 |
EUR/USD |
2024/5/13 |
1.09980 |
1.0857 |
821153.45 |
2.72 |
65 |
WJ20231220001 |
WKGJ2023263-365D |
2023/12/23 |
2024/12/22 |
365天 |
人民币 |
1.2%/2.9%/3.25% |
3000 |
600000 |
EUR/USD |
2024/10/15 |
1.10220 |
1.0857 |
500792.93 |
2.87 |
66 |
WJ20231221004 |
WKGJ2023259-180D |
2023/12/23 |
2024/6/20 |
180天 |
人民币 |
1.15%/2.9%/3.25% |
20000 |
2021917.81 |
EUR/USD |
2024/5/13 |
1.10220 |
1.0857 |
1741328.93 |
2.92 |
67 |
WJ20231225003 |
WKGJ2023216-365D |
2023/12/26 |
2024/12/25 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
6000 |
1140000 |
EUR/USD |
2024/10/15 |
1.10360 |
1.0857 |
971796.35 |
2.82 |
68 |
WJ20231225006 |
WKGJ2023267-180D |
2023/12/26 |
2024/6/23 |
180天 |
人民币 |
1%/2.6%/2.95% |
10000 |
912328.77 |
EUR/USD |
2024/5/13 |
1.10360 |
1.0857 |
795694.86 |
2.61 |
69 |
WJ20231226001 |
WKGJ2023267-180D |
2023/12/28 |
2024/6/25 |
180天 |
人民币 |
1%/2.6%/2.95% |
10000 |
912328.77 |
EUR/USD |
2024/5/13 |
1.10800 |
1.0857 |
795462.55 |
2.61 |
70 |
WJ20231227002 |
WKGJ2023216-180D |
2023/12/29 |
2024/6/26 |
180天 |
人民币 |
1.15%/2.8%/3.15% |
2000 |
187397.26 |
EUR/USD |
2024/5/13 |
1.10350 |
1.0857 |
164035.44 |
2.81 |
71 |
WJ20231228006 |
WKGJ2023271-180D |
2023/12/29 |
2024/6/26 |
180天 |
人民币 |
1.15%/2.9%/3.25% |
10000 |
1010958.9 |
EUR/USD |
2024/5/13 |
1.10350 |
1.0857 |
869884.76 |
2.91 |
72 |
WJ20231228008 |
WKGJ2023270-180D |
2023/12/30 |
2024/6/27 |
180天 |
人民币 |
1.15%/3%/3.35% |
4000 |
424109.59 |
EUR/USD |
2024/5/13 |
1.10350 |
1.0857 |
367783.30 |
3.01 |
73 |
WJ20231229007 |
WKGJ2023279-180D |
2023/12/30 |
2024/6/27 |
180天 |
人民币 |
1.15%/3%/3.35% |
10000 |
1060273.97 |
EUR/USD |
2024/5/13 |
1.10350 |
1.0857 |
919458.24 |
3.01 |
74 |
WJ20231228009 |
WKGJ2023270-180D |
2024/1/3 |
2024/7/1 |
180天 |
人民币 |
1.15%/3%/3.35% |
11000 |
1166301.37 |
EUR/USD |
2024/6/4 |
1.09180 |
1.0857 |
1010814.60 |
3.01 |
75 |
WJ20240102004 |
WKGJ2023266-365D |
2024/1/3 |
2025/1/2 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
20000 |
3800000 |
EUR/USD |
2024/10/15 |
1.09180 |
1.0857 |
3084778.48 |
2.74 |
76 |
WJ20240108001 |
WKGJ2024003-180D |
2024/1/10 |
2024/7/8 |
180天 |
人民币 |
1.05%/2.6%/2.95% |
3000 |
266301.37 |
EURUSD |
2024/6/4 |
1.09790 |
1.0857 |
220472.67 |
2.54 |
77 |
WJ20240110007 |
WKGJ2023266-365D |
2024/1/13 |
2025/1/12 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
7000 |
1330000 |
EURUSD |
2024/12/10 |
1.09550 |
1.0857 |
1067579.37 |
2.73 |
78 |
WJ20240115003 |
WKGJ2024002-270D |
2024/1/17 |
2024/10/13 |
270天 |
人民币 |
1.15%/3.25%/3.6% |
60000 |
10652054.79 |
EURUSD |
2024/9/11 |
1.08970 |
1.0857 |
9246045.91 |
3.23 |
79 |
WJ20240116010 |
WKGJ2023266-180D |
2024/1/18 |
2024/7/16 |
180天 |
人民币 |
1.15%/2.8%/3.15% |
15000 |
1405479.45 |
EURUSD |
2024/7/2 |
1.08850 |
1.0857 |
1226788.01 |
2.81 |
80 |
WJ20240116004 |
WKGJ2023266-90D |
2024/1/18 |
2024/4/17 |
90天 |
人民币 |
1%/2.75%/3.1% |
1000 |
49315.07 |
EURUSD |
2024/4/10 |
1.08850 |
1.0857 |
0.00 |
2.75 |
81 |
WJ20240118006 |
WKGJ2024005-365D |
2024/1/20 |
2025/1/19 |
365天 |
人民币 |
1.2%/2.95%/3.3% |
10000 |
2050000 |
EURUSD |
2024/12/10 |
1.09020 |
1.0857 |
1641062.45 |
2.84 |
82 |
WJ20240118007 |
WKGJ2024006-180D |
2024/1/20 |
2024/7/18 |
180天 |
人民币 |
1.15%/2.85%/3.2% |
5000 |
493150.68 |
EURUSD |
2024/7/2 |
1.09020 |
1.0857 |
406835.96 |
2.8 |
83 |
WJ20240119003 |
WKGJ2023266-365D |
2024/1/20 |
2025/1/19 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
5000 |
950000 |
EURUSD |
2024/12/10 |
1.09020 |
1.0857 |
773917.34 |
2.75 |
84 |
WJ20240122004 |
WKGJ2024007-180D |
2024/1/23 |
2024/7/21 |
180天 |
人民币 |
1.15%/3.2%/3.55% |
20000 |
2317808.22 |
EURUSD |
2024/7/2 |
1.08580 |
1.0857 |
2030879.75 |
3.21 |
85 |
WJ20240123002 |
WKGJ2023266-180D |
2024/1/25 |
2024/7/23 |
180天 |
人民币 |
1.15%/2.8%/3.15% |
5000 |
468493.15 |
EURUSD |
2024/7/2 |
1.08450 |
1.0857 |
408708.15 |
2.81 |
86 |
WJ20240125002 |
WKGJ2023266-180D |
2024/1/26 |
2024/7/24 |
180天 |
人民币 |
1.15%/2.8%/3.15% |
10000 |
936986.3 |
EURUSD |
2024/7/2 |
1.08440 |
1.0857 |
817325.36 |
2.81 |
87 |
WJ20240126002 |
WKGJ2024013-180D |
2024/1/27 |
2024/7/25 |
180天 |
人民币 |
1.05%/2.7%/3.05% |
1000 |
93698.63 |
EURUSD |
2024/7/2 |
1.08440 |
1.0857 |
81720.69 |
2.71 |
88 |
WJ20240126008 |
WKGJ2023266-180D |
2024/1/30 |
2024/7/28 |
180天 |
人民币 |
1.15%/2.8%/3.15% |
2000 |
187397.26 |
EURUSD |
2024/7/2 |
1.08330 |
1.0857 |
163384.38 |
2.81 |
89 |
WJ20240126006 |
WKGJ2024007-180D |
2024/1/30 |
2024/7/28 |
180天 |
人民币 |
1.15%/3.2%/3.55% |
20000 |
2317808.22 |
EURUSD |
2024/7/2 |
1.08330 |
1.0857 |
2029311.28 |
3.21 |
90 |
WJ20240126007 |
WKGJ2024011-180D |
2024/1/30 |
2024/7/28 |
180天 |
人民币 |
1.15%/3.2%/3.55% |
10000 |
1158904.11 |
EURUSD |
2024/7/2 |
1.08330 |
1.0857 |
1014655.60 |
3.21 |
91 |
WJ20240125006 |
WKGJ2024010-180D |
2024/1/30 |
2024/7/28 |
180天 |
人民币 |
1.05%/2.7%/3.05% |
4000 |
374794.52 |
EURUSD |
2024/7/2 |
1.08330 |
1.0857 |
326768.76 |
2.71 |
92 |
WJ20240130006 |
WKGJ2024014-90D |
2024/1/31 |
2024/4/30 |
90天 |
人民币 |
1%/2.8%/3.15% |
5000 |
258904.11 |
EURUSD |
2024/4/23 |
1.08090 |
1.0857 |
225408.85 |
2.83 |
93 |
WJ20240130007 |
WKGJ2023266-180D |
2024/1/31 |
2024/7/29 |
180天 |
人民币 |
1.15%/2.8%/3.15% |
3500 |
327945.21 |
EURUSD |
2024/7/2 |
1.08090 |
1.0857 |
277645.11 |
2.76 |
94 |
WJ20240130008 |
WKGJ2023266-365D |
2024/1/31 |
2025/1/30 |
365天 |
人民币 |
1.2%/2.85%/3.2% |
2000 |
380000 |
EURUSD |
2024/12/10 |
1.08090 |
1.0857 |
310772.42 |
2.75 |
95 |
WJ20240131005 |
WKGJ2023266-90D |
2024/2/2 |
2024/5/2 |
90天 |
人民币 |
1%/2.75%/3.1% |
1000 |
49315.07 |
EURUSD |
2024/4/23 |
1.07780 |
1.0857 |
43831.66 |
2.78 |
96 |
WJ20240130011 |
WKGJ2024019-180D |
2024/2/2 |
2024/7/31 |
180天 |
人民币 |
1.05%/2.7%/3.05% |
5000 |
468493.15 |
EURUSD |
2024/7/2 |
1.07780 |
1.0857 |
397844.13 |
2.66 |
97 |
WJ20240202006 |
WKGJ2024027-180D |
2024/2/3 |
2024/8/1 |
180天 |
人民币 |
1.05%/2.7%/3.05% |
10000 |
936986.3 |
EURUSD |
2024/7/2 |
1.07780 |
1.0857 |
817407.26 |
2.71 |
98 |
WJ20240226015 |
WKGJ2024042-180D |
2024/2/28 |
2024/8/26 |
180天 |
人民币 |
1.05%/2.7%/3.05% |
13000 |
1218082.19 |
EURUSD |
2024/7/9 |
1.08290 |
1.0857 |
966193.29 |
2.56 |
99 |
WJ20240227001 |
WKGJ2024040-90D |
2024/2/28 |
2024/5/28 |
90天 |
人民币 |
1%/2.7%/3.05% |
1400 |
67315.07 |
EURUSD |
2024/5/13 |
1.08290 |
1.0857 |
59078.45 |
2.71 |
100 |
WJ20240227002 |
WKGJ2024039-365D |
2024/2/29 |
2025/2/28 |
365天 |
人民币 |
1.1%/2.8%/3.15% |
3000 |
585000 |
EURUSD |
2025/1/20 |
1.08210 |
1.0857 |
498640.08 |
2.76 |
101 |
WJ20240227009 |
WKGJ2024030-270D |
2024/2/29 |
2024/11/25 |
270天 |
人民币 |
1.15%/3.15%/3.5% |
10000 |
1701369.86 |
EURUSD |
2024/10/22 |
1.08210 |
1.0857 |
1460650.01 |
3.12 |
102 |
WJ20240227005 |
WKGJ2023266-180D |
2024/2/29 |
2024/8/27 |
180天 |
人民币 |
1.15%/2.8%/3.15% |
1500 |
140547.95 |
EURUSD |
2024/8/7 |
1.08210 |
1.0857 |
121729.85 |
2.8 |
103 |
WJ20240227007 |
WKGJ2024036-90D |
2024/2/29 |
2024/5/29 |
90天 |
人民币 |
1%/3.05%/3.4% |
50000 |
2897260.27 |
EURUSD |
2024/5/13 |
1.08210 |
1.0857 |
2553753.67 |
3.07 |
104 |
WJ20240228001 |
WKGJ2024041-180D |
2024/2/29 |
2024/8/27 |
180天 |
人民币 |
1.05%/2.7%/3.05% |
1300 |
121808.22 |
EURUSD |
2024/8/7 |
1.08210 |
1.0857 |
105499.19 |
2.7 |
105 |
WJ20240229001 |
WKGJ2024048-180D |
2024/3/1 |
2024/8/28 |
180天 |
人民币 |
1.05%/2.7%/3.05% |
4000 |
374794.52 |
EURUSD |
2024/8/7 |
1.08400 |
1.0857 |
302292.19 |
2.58 |
106 |
WJ20240304003 |
WKGJ2023266-90D |
2024/3/6 |
2024/6/4 |
90天 |
人民币 |
1%/2.75%/3.1% |
1200 |
59178.08 |
EURUSD |
2024/5/21 |
1.08980 |
1.0857 |
46676.81 |
2.58 |
107 |
WJ20240305001 |
WKGJ2024052-180D |
2024/3/6 |
2024/9/2 |
180天 |
人民币 |
1%/2.5%/2.85% |
1000 |
86301.37 |
EURUSD |
2024/8/13 |
1.08980 |
1.0857 |
67430.36 |
2.37 |
108 |
WJ20240304002 |
WKGJ2024050-180D |
2024/3/7 |
2024/9/3 |
180天 |
人民币 |
1%/2.5%/2.85% |
3000 |
258904.11 |
EURUSD |
2024/8/13 |
1.09480 |
1.0857 |
218582.30 |
2.48 |
109 |
WJ20240306003 |
WKGJ2024044-180D |
2024/3/7 |
2024/9/3 |
180天 |
人民币 |
1.05%/2.7%/3.05% |
4000 |
374794.52 |
EURUSD |
2024/8/13 |
1.09480 |
1.0857 |
320423.59 |
2.67 |
110 |
WJ20240306001 |
WKGJ2023266-90D |
2024/3/8 |
2024/6/6 |
90天 |
人民币 |
1%/2.75%/3.1% |
5000 |
246575.34 |
EURUSD |
2024/5/21 |
1.09410 |
1.0857 |
214402.41 |
2.74 |
111 |
WJ20240315003 |
WKGJ2024051-30D |
2024/3/20 |
2024/4/19 |
30天 |
人民币 |
1.1%/2.6%/2.95% |
1000 |
14794.52 |
EURUSD |
2024/4/15 |
1.09350 |
1.0857 |
12557.24 |
2.63 |
112 |
WJ20240320001 |
WKGJ2024056-238D |
2024/3/22 |
2024/11/15 |
238天 |
人民币 |
1.05%/2.98%/3.33% |
5000 |
727041.1 |
EURUSD |
2024/10/15 |
1.08160 |
1.0857 |
620212.65 |
2.95 |
113 |
WJ20240321002 |
WKGJ2024057-180D |
2024/3/22 |
2024/9/18 |
180天 |
人民币 |
1.05%/2.8%/3.15% |
2000 |
202191.78 |
EURUSD |
2024/8/28 |
1.08160 |
1.0857 |
170930.97 |
2.78 |
114 |
WJ20240322007 |
WKGJ2024051-90D |
2024/3/26 |
2024/6/24 |
90天 |
人民币 |
1%/2.7%/3.05% |
1000 |
48082.19 |
EURUSD |
2024/5/13 |
1.08230 |
1.0857 |
41892.80 |
2.7 |
115 |
WJ20240322003 |
WKGJ2024058-180D |
2024/3/26 |
2024/9/22 |
180天 |
人民币 |
1.05%/2.75%/3.1% |
1000 |
98630.14 |
EURUSD |
2024/8/28 |
1.08230 |
1.0857 |
83271.57 |
2.74 |
116 |
WJ20240325002 |
WKGJ2024059-180D |
2024/3/26 |
2024/9/22 |
180天 |
人民币 |
1.05%/3%/3.35% |
10000 |
1109589.04 |
EURUSD |
2024/8/28 |
1.08230 |
1.0857 |
953912.35 |
2.98 |
117 |
WJ20240322002 |
WKGJ2024051-180D |
2024/3/26 |
2024/9/22 |
180天 |
人民币 |
1.05%/2.7%/3.05% |
1500 |
140547.95 |
EURUSD |
2024/8/28 |
1.08230 |
1.0857 |
121271.41 |
2.69 |
118 |
WJ20240325005 |
WKGJ2024051-180D |
2024/3/26 |
2024/9/22 |
180天 |
人民币 |
1.05%/2.7%/3.05% |
20000 |
1873972.6 |
EURUSD |
2024/8/28 |
1.08230 |
1.0857 |
1616952.11 |
2.69 |
119 |
WJ20240325001 |
WKGJ2024051-180D |
2024/3/27 |
2024/9/23 |
180天 |
人民币 |
1.05%/2.7%/3.05% |
1000 |
93698.63 |
EURUSD |
2024/8/28 |
1.08175 |
1.0857 |
80615.33 |
2.68 |
120 |
WJ20240325006 |
WKGJ2024063-180D |
2024/3/27 |
2024/9/23 |
180天 |
人民币 |
1%/2.65%/3% |
10000 |
936986.3 |
EURUSD |
2024/8/28 |
1.08175 |
1.0857 |
806153.03 |
2.63 |
121 |
WJ20240325008 |
WKGJ2024060-180D |
2024/3/27 |
2024/9/23 |
180天 |
人民币 |
1%/2.65%/3% |
5000 |
468493.15 |
EURUSD |
2024/8/28 |
1.08175 |
1.0857 |
403076.51 |
2.63 |
122 |
WJ20240321003 |
WKGJ2024051-180D |
2024/3/27 |
2024/9/23 |
180天 |
人民币 |
1.05%/2.7%/3.05% |
10000 |
936986.3 |
EURUSD |
2024/8/28 |
1.08175 |
1.0857 |
806153.03 |
2.68 |
123 |
WJ20240326001 |
WKGJ2024051-180D |
2024/3/27 |
2024/9/23 |
180天 |
人民币 |
1.05%/2.7%/3.05% |
6000 |
562191.78 |
EURUSD |
2024/8/28 |
1.08175 |
1.0857 |
483691.84 |
2.68 |
124 |
WJ20240325003 |
WKGJ2024059-180D |
2024/3/28 |
2024/9/24 |
180天 |
人民币 |
1.05%/3%/3.35% |
10000 |
1109589.04 |
EURUSD |
2024/8/28 |
1.07875 |
1.0857 |
954267.01 |
2.99 |
125 |
WJ20240326002 |
WKGJ2024051-180D |
2024/3/28 |
2024/9/24 |
180天 |
人民币 |
1.05%/2.7%/3.05% |
2000 |
187397.26 |
EURUSD |
2024/8/28 |
1.07875 |
1.0857 |
161836.40 |
2.69 |
126 |
WJ20240325009 |
WKGJ2024051-90D |
2024/3/28 |
2024/6/26 |
90天 |
人民币 |
1%/2.7%/3.05% |
3000 |
144246.58 |
EURUSD |
2024/6/4 |
1.07875 |
1.0857 |
125301.38 |
2.69 |
127 |
WJ20240322004 |
WKGJ2024051-365D |
2024/3/28 |
2025/3/28 |
365天 |
人民币 |
1.15%/2.7%/3.05% |
2500 |
450000 |
EURUSD |
2025/2/11 |
1.07875 |
1.0857 |
356458.98 |
2.58 |
128 |
WJ20240326003 |
WKGJ2024051-90D |
2024/3/28 |
2024/6/26 |
90天 |
人民币 |
1%/2.7%/3.05% |
1000 |
48082.19 |
EURUSD |
2024/6/4 |
1.07875 |
1.0857 |
41767.15 |
2.69 |
129 |
WJ20240327002 |
WKGJ2024062-256D |
2024/3/29 |
2024/12/10 |
256天 |
人民币 |
1.05%/2.98%/3.33% |
2000 |
312810.96 |
EURUSD |
2024/11/27 |
1.0787 |
1.0857 |
267204.87 |
2.95 |
130 |
WJ20240326004 |
WKGJ2024051-180D |
2024/3/30 |
2024/9/26 |
180天 |
人民币 |
1.05%/2.7%/3.05% |
3000 |
281095.89 |
EURUSD |
2024/9/4 |
1.0787 |
1.0857 |
242890.66 |
2.69 |
131 |
WJ20240327001 |
WKGJ2024051-180D |
2024/3/30 |
2024/9/26 |
180天 |
人民币 |
1.05%/2.7%/3.05% |
10000 |
936986.3 |
EURUSD |
2024/9/4 |
1.0787 |
1.0857 |
809635.49 |
2.69 |
132 |
WJ20240328001 |
WKGJ2024051-180D |
2024/3/30 |
2024/9/26 |
180天 |
人民币 |
1.05%/2.7%/3.05% |
3000 |
281095.89 |
EURUSD |
2024/9/4 |
1.0787 |
1.0857 |
242890.66 |
2.69 |
133 |
WJ20240329001 |
WKGJ2024051-28D |
2024/4/2 |
2024/4/30 |
28天 |
人民币 |
1.1%/2.6%/2.95% |
1000 |
13808.22 |
EURUSD |
2024/4/26 |
1.0772 |
1.0857 |
11649.26 |
2.62 |
134 |
WJ20240329005 |
WKGJ2024051-28D |
2024/4/2 |
2024/4/30 |
28天 |
人民币 |
1.1%/2.6%/2.95% |
1000 |
13808.22 |
EURUSD |
2024/4/26 |
1.0772 |
1.0857 |
11649.26 |
2.62 |
135 |
WJ20240329009 |
WKGJ2024051-180D |
2024/4/2 |
2024/9/29 |
180天 |
人民币 |
1.05%/2.7%/3.05% |
8000 |
749589.04 |
EURUSD |
2024/9/11 |
1.0772 |
1.0857 |
605628.32 |
2.59 |
136 |
WJ20240329010 |
WKGJ2024051-28D |
2024/4/2 |
2024/4/30 |
28天 |
人民币 |
1.1%/2.6%/2.95% |
1000 |
13808.22 |
EURUSD |
2024/4/26 |
1.0772 |
1.0857 |
11649.26 |
2.62 |
137 |
WJ20240329003 |
WKGJ2024051-28D |
2024/4/2 |
2024/4/30 |
28天 |
人民币 |
1.1%/2.6%/2.95% |
1000 |
13808.22 |
EURUSD |
2024/4/26 |
1.0772 |
1.0857 |
11649.26 |
2.62 |
138 |
WJ20240329012 |
WKGJ2024061-28D |
2024/4/2 |
2024/4/30 |
28天 |
人民币 |
1.1%/2.8%/3.15% |
29998 |
460243.29 |
EURUSD |
2024/4/26 |
1.0772 |
1.0857 |
395970.41 |
2.82 |
139 |
WJ20240329017 |
WKGJ2024064-28D |
2024/4/2 |
2024/4/30 |
28天 |
人民币 |
1.1%/2.85%/3.2% |
16400 |
257906.85 |
EURUSD |
2024/4/26 |
1.0772 |
1.0857 |
222835.85 |
2.87 |
140 |
WJ20240329014 |
WKGJ2024068-27D |
2024/4/2 |
2024/4/29 |
27天 |
人民币 |
1.1%/3%/3.35% |
50000 |
813698.63 |
EURUSD |
2024/4/26 |
1.0772 |
1.0857 |
711293.99 |
3.02 |
141 |
WJ20240329019 |
WKGJ2024051-28D |
2024/4/2 |
2024/4/30 |
28天 |
人民币 |
1.1%/2.6%/2.95% |
2000 |
27616.44 |
EURUSD |
2024/4/26 |
1.0772 |
1.0857 |
23298.52 |
2.62 |
142 |
WJ20240329015 |
WKGJ2024051-28D |
2024/4/2 |
2024/4/30 |
28天 |
人民币 |
1.1%/2.6%/2.95% |
3000 |
41424.66 |
EURUSD |
2024/4/26 |
1.0772 |
1.0857 |
34947.79 |
2.62 |
143 |
WJ20240329016 |
WKGJ2024064-28D |
2024/4/2 |
2024/4/30 |
28天 |
人民币 |
1.1%/2.85%/3.2% |
10000 |
157260.27 |
EURUSD |
2024/4/26 |
1.0772 |
1.0857 |
135875.52 |
2.87 |
144 |
WJ20240401004 |
WKGJ2024051-28D |
2024/4/2 |
2024/4/30 |
28天 |
人民币 |
1.1%/2.6%/2.95% |
1000 |
13808.22 |
EURUSD |
2024/4/26 |
1.0772 |
1.0857 |
11649.26 |
2.62 |
145 |
WJ20240401001 |
WKGJ2024067-15D |
2024/4/2 |
2024/4/17 |
15天 |
人民币 |
0.7%/2.7%/3.05% |
2200 |
20794.52 |
EURUSD |
2024/4/15 |
1.0772 |
1.0857 |
18439.33 |
2.74 |
146 |
WJ20240329013 |
WKGJ2024067-15D |
2024/4/2 |
2024/4/17 |
15天 |
人民币 |
0.7%/2.7%/3.05% |
1800 |
17013.7 |
EURUSD |
2024/4/15 |
1.0772 |
1.0857 |
15086.72 |
2.74 |
147 |
WJ20240329007 |
WKGJ2024051-30D |
2024/4/3 |
2024/5/3 |
30天 |
人民币 |
1.1%/2.6%/2.95% |
5000 |
73972.6 |
EURUSD |
2024/4/26 |
1.0835 |
1.0857 |
52048.40 |
2.37 |
148 |
WJ20240401003 |
WKGJ2024051-14D |
2024/4/3 |
2024/4/17 |
14天 |
人民币 |
0.7%/2.3%/2.65% |
2000 |
14575.34 |
EURUSD |
2024/4/15 |
1.0835 |
1.0857 |
6816.04 |
1.59 |
149 |
WJ20240401007 |
WKGJ2024051-14D |
2024/4/3 |
2024/4/17 |
14天 |
人民币 |
0.7%/2.3%/2.65% |
1500 |
10931.51 |
EURUSD |
2024/4/15 |
1.0835 |
1.0857 |
5112.04 |
1.59 |
150 |
WJ20240401009 |
WKGJ2024051-27D |
2024/4/3 |
2024/4/30 |
27天 |
人民币 |
1.1%/2.6%/2.95% |
1000 |
13315.07 |
EURUSD |
2024/4/26 |
1.0835 |
1.0857 |
9374.00 |
2.37 |
151 |
WJ20240402001 |
WKGJ2024051-25D |
2024/4/4 |
2024/4/29 |
25天 |
人民币 |
1.1%/2.6%/2.95% |
1400 |
17260.27 |
EURUSD |
2024/4/26 |
1.0835 |
1.0857 |
12154.29 |
2.37 |
152 |
WJ20240401005 |
WKGJ2024051-365D |
2024/4/4 |
2025/4/4 |
365天 |
人民币 |
1.15%/2.7%/3.05% |
2500 |
450000 |
EURUSD |
2025/2/11 |
1.0835 |
1.0857 |
354191.58 |
2.57 |
153 |
WJ20240407003 |
WKGJ2024051-7D |
2024/4/9 |
2024/4/16 |
7天 |
人民币 |
0.6%/2.2%/2.55% |
2000 |
7287.67 |
EURUSD |
2024/4/15 |
1.0854 |
1.0857 |
1737.79 |
1.05 |
154 |
WJ20240407004 |
WKGJ2024059-180D |
2024/4/9 |
2024/10/6 |
180天 |
人民币 |
1.05%/3%/3.35% |
5000 |
554794.52 |
EURUSD |
2024/9/11 |
1.0854 |
1.0857 |
472961.99 |
2.97 |
155 |
WJ20240407005 |
WKGJ2024051-30D |
2024/4/9 |
2024/5/9 |
30天 |
人民币 |
1.1%/2.6%/2.95% |
3000 |
44383.56 |
EURUSD |
2024/4/26 |
1.0854 |
1.0857 |
36127.94 |
2.57 |
156 |
WJ20240408001 |
WKGJ2024070-21D |
2024/4/9 |
2024/4/30 |
21天 |
人民币 |
1.1%/2.85%/3.2% |
71800 |
846846.58 |
EURUSD |
2024/4/26 |
1.0854 |
1.0857 |
707187.91 |
2.81 |
157 |
WJ20240408008 |
WKGJ2024066-7D |
2024/4/10 |
2024/4/17 |
7天 |
人民币 |
0.6%/2.4%/2.75% |
5000 |
20136.99 |
EURUSD |
2024/4/15 |
1.0746 |
1.0857 |
14977.55 |
2.16 |
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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