Product Overview

Personal structured deposits guarantee principal protection with returns linked to derivative products. This structure ensures a minimum return while providing the potential for higher yields based on fluctuations in the underlying linked assets. Investment currencies include renminbi and US dollars.

Application Channels

One can purchase personal structured deposits through in-branch counter facilities, mobile banking, online banking and other electronic channels, after completing the eligibility verification (valid for one year) and risk assessment at a Bank of China branch. 

Presenting valid identification documents, proof of residence in the Chinese mainland for at least one year, and proof of a lawful income source within the Chinese mainland are required for application.

Required Documents

• Applicants' valid personal identification document

• Proof of residence in the Chinese mainland for at least one year

• Proof of a legal source of income in the Chinese mainland

Notes

Structured deposits differ from general bank deposits and involve investment risks. Investors should cautiously evaluate their risks when making investment decisions on structured deposits.