我国结构性存款的发展及其面临的风险

The Development and Risks of the Structured Deposit in China

结构性存款在我国发展四年多已经初具规模并有着繁荣的前景,但是在期限、产品流动性、银行营销等方面还与国外成熟市场有所差距。本文着重论述了结构性存款的产生和特点,并从投资者和商业银行的角度分析了其面临的种种风险。

The structured deposit was introduced four years ago, and has a prosperous future. But it＇s already far away from mature foreign markets in many aspects such as allotted time, the product liquidity and purchases in banks. This article introduces the generation and characteristics of this new financial product, and pays more attention to risks investors and banks face.