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Structured Asset Management Products for Institutions


 

Introduction

Structured asset management products for institutions are a series of financial products with yield enhancement structure incorporated, launched by Bank of China to institutional customers. Bank of China capitalizes on its multi-currency asset composition and employs various financial instruments to enhance customers' investment return by assuming management risk.

Category

Divided by term: short-term, mid-term and long-term;

Divided by payoff types: principal protected with guaranteed minimum return and principal protected with floating return.

Features

1. Full principal protection: 100% principal protection guaranteed given no early redemption from customers' side;

2. Broader market access: Bank of China leverages various financial engineering techniques to provide customers with access to a wider range of international financial markets and asset classes;

3. Diversified payoff structures: product yields could be linked to various asset class performance at customers' choice and payoff or cash flow schedule could be structured according to customers' preference. Investors are then able to exploit market opportunities globally;

4. T + 0 valuation: transaction becomes effective on the day when the trade is confirmed.

Term

From seven days to one year or even longer.

Interest Rate

See related product manual.

Target Customers

Enterprises and institutions with predictable cash flow schedule and limited risk appetite.

Application Qualifications

Domestically incorporated institutions with settlement accounts at Bank of China. Minimum transaction size is over RMB 10 million (or foreign currency of equivalent value).

Process

1. Customers sign the letter of authorization on institutional asset management business with Bank of China after confirming their full understanding of the business products and their trading intention;

2. On the trade day, customers initiate the transaction by completing the power of attorney based on product details which they intent to trade;

3. A transaction confirmation will be addressed to customers within three working days after the trade is confirmed by Bank of China;

4. At maturity, principal as well as the yields accrued during the investment process will be credited to customers' account by Bank of China.

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