2026-03-30
尊敬的投资者：
人民币/外币结构性存款属于金融机构吸收的嵌入金融衍生工具的存款，产品保障本金和保底收益，产品浮动收益部分与特定指标市场表现挂钩。本产品面向全部个人客户销售。
1. 按照产品说明书约定，现将2026年3月23日至2026年3月29日结构性存款已起息产品相关信息公告如下：
| 序号 | 产品代码 | 币种 | 挂钩标的 | 产品成立日 （即基准日） |
期初价格 | 观察水平 | 产品募集规模 （原币元） |
|---|---|---|---|---|---|---|---|
| 1 | GRSDRDZ260769 | CNY | GBP/USD | 2026-03-23 | 1.3304 | 1.3659/1.2949 | 21,887,000 |
| 2 | GRSDRDZ260711 | CNY | EUR/USD | 2026-03-23 | 1.1536 | 1.1625/1.1447 | 442,581,000 |
| 3 | GRSDRDZ260757 | CNY | XAU/USD | 2026-03-23 | 4,314.20 | 4314.20/4529.91 | 56,033,000 |
| 4 | GRSDRDZ260753 | CNY | AUD/USD | 2026-03-23 | 0.6965 | 0.7022 | 529,403,000 |
| 5 | GRSDRDZ260754 | CNY | USD/JPY | 2026-03-23 | 159.55 | 160.48 | 376,435,000 |
| 6 | GRSDRDZ260750 | CNY | NZD/USD | 2026-03-23 | 0.5802 | 0.5758 | 218,302,000 |
| 7 | GRSDRDZ260767 | CNY | AUD/USD | 2026-03-23 | 0.6965 | 0.7024 | 520,583,000 |
| 8 | GRSDR260174 | CNY | GBP/USD | 2026-03-23 | 1.3304 | 1.3634/1.2974 | 379,749,000 |
| 9 | GRSDRDZ260717 | CNY | GBP/USD | 2026-03-23 | 1.3304 | 1.3634/1.2974 | 171,290,000 |
| 10 | GRSDRDZ260738 | CNY | GBP/USD | 2026-03-23 | 1.3304 | 1.3649/1.2959 | 183,271,000 |
| 11 | GRSDR260178 | CNY | EUR/USD | 2026-03-23 | 1.1536 | 1.0916 | 15,290,000 |
| 12 | GRSDR260179 | CNY | USD/JPY | 2026-03-23 | 159.55 | 180.60/138.50 | 10,410,000 |
| 13 | GRSDRDZ260758 | CNY | AUD/USD | 2026-03-23 | 0.6965 | 0.6965/0.7174 | 27,030,000 |
| 14 | GRSDRDZ260569 | CNY | FR007 | 2026-03-23 | -- | -- | 295,222,000 |
| 15 | GRSDRDZ260716 | CNY | FR007 | 2026-03-23 | -- | -- | 416,888,000 |
| 16 | GRSDRDZ260726 | CNY | FR007 | 2026-03-23 | -- | -- | 222,021,000 |
| 17 | GRSDRDZ260727 | CNY | FR007 | 2026-03-23 | -- | -- | 224,300,000 |
| 18 | GRSDRDZ260731 | CNY | FR007 | 2026-03-23 | -- | -- | 233,687,000 |
| 19 | GRSDRDZ260749 | CNY | FR007 | 2026-03-23 | -- | -- | 399,500,000 |
| 20 | GRSDRDZ260751 | CNY | FR007 | 2026-03-23 | -- | -- | 429,984,000 |
| 21 | GRSDRDZ260760 | CNY | FR007 | 2026-03-23 | -- | -- | 104,200,000 |
| 22 | GRSDRDZ260733 | CNY | AUD/USD | 2026-03-23 | 0.6965 | 0.7018 | 244,679,000 |
| 23 | GRSDRDZ260734 | CNY | NZD/USD | 2026-03-23 | 0.5802 | 0.5766 | 82,065,000 |
| 24 | GRSDRDZ260718 | CNY | USD/JPY | 2026-03-23 | 159.55 | 167.35/151.75 | 561,586,000 |
| 25 | GRSDRDZ260766 | CNY | USD/JPY | 2026-03-23 | 159.55 | 167.35/151.75 | 60,834,000 |
| 26 | GRSDRDZ260708 | CNY | FR007 | 2026-03-23 | -- | -- | 973,669,000 |
| 27 | GRSDRDZ260709 | CNY | FR007 | 2026-03-23 | -- | -- | 442,429,000 |
| 28 | GRSDRDZ260710 | CNY | FR007 | 2026-03-23 | -- | -- | 498,138,000 |
| 29 | GRSDRDZ260732 | CNY | GBP/USD | 2026-03-23 | 1.3304 | 1.3574/1.3034 | 99,263,000 |
| 30 | GRSDR260170 | CNY | USD/JPY | 2026-03-23 | 159.55 | 164.05/155.05 | 7,786,000 |
| 31 | GRSDRDZ260568 | CNY | USD/JPY | 2026-03-23 | 159.55 | 164.05/155.05 | 1,861,000 |
| 32 | GRSDRDZ260729 | CNY | EUR/USD | 2026-03-23 | 1.1536 | 1.1640/1.1432 | 11,700,000 |
| 33 | GRSDRDZ260752 | CNY | EUR/USD | 2026-03-23 | 1.1536 | 1.1640/1.1432 | 565,503,000 |
| 34 | GRSDRDZ260547 | CNY | USD/JPY | 2026-03-23 | 159.55 | 166.95/152.15 | 590,131,000 |
| 35 | GRSDRDZ260550 | CNY | USD/JPY | 2026-03-23 | 159.55 | 166.95/152.15 | 450,246,000 |
| 36 | GRSDR260177 | CNY | NZD/USD | 2026-03-23 | 0.5802 | 0.5703 | 319,827,000 |
| 37 | GRSDR260181 | CNY | AUD/USD | 2026-03-23 | 0.6965 | 0.6965/0.7174 | 201,605,000 |
| 38 | GRSDRDZ260853 | CNY | FR007 | 2026-03-23 | -- | -- | 86,531,000 |
| 39 | GRSDR260208 | CNY | EUR/USD | 2026-03-24 | 1.1584 | 1.1642 | 180,941,000 |
| 40 | GRSDR260207 | CNY | EUR/USD | 2026-03-24 | 1.1584 | 1.1658 | 162,540,000 |
| 41 | GRSD7G187_24 | CNY | FR007 | 2026-03-25 | -- | -- | 4,145,741,000 |
| 42 | GRSD7G182_37 | CNY | FR007 | 2026-03-25 | -- | -- | 985,368,000 |
| 43 | GRSD7G185_27 | CNY | FR007 | 2026-03-25 | -- | -- | 7,453,849,000 |
| 44 | GRSDR260176 | CNY | USD/JPY | 2026-03-25 | 159.01 | 166.31/151.71 | 157,551,000 |
| 45 | GRSDRDZ260728 | CNY | USD/JPY | 2026-03-25 | 159.01 | 166.06/151.96 | 57,609,000 |
| 46 | GRSD7G183_30 | CNY | FR007 | 2026-03-26 | -- | -- | 5,001,414,000 |
| 47 | GRSD7G189_17 | CNY | FR007 | 2026-03-26 | -- | -- | 10,907,088,000 |
| 48 | GRSDUDZ26010 | USD | EUR/USD | 2026-03-26 | 1.1560 | 1.0670 | 3,235,600 |
| 49 | GRSD7G177_47 | CNY | FR007 | 2026-03-26 | -- | -- | 6,446,188,000 |
| 50 | GRSDRDZ260834 | CNY | USD/JPY | 2026-03-27 | 159.60 | 167.45 | 2,585,000 |
| 51 | GRSDRDZ260799 | CNY | GBP/USD | 2026-03-27 | 1.3342 | 1.3269 | 43,383,000 |
| 52 | GRSDRDZ260554 | CNY | AUD/USD | 2026-03-27 | 0.6900 | 0.7195/0.6605 | 469,500,000 |
| 53 | GRSDRDZ260810 | CNY | AUD/USD | 2026-03-27 | 0.6900 | 0.7240/0.6560 | 802,012,000 |
| 54 | GRSDRDZ260826 | CNY | AUD/USD | 2026-03-27 | 0.6900 | 0.7195/0.6605 | 352,634,000 |
| 55 | GRSDR260192 | CNY | EUR/USD | 2026-03-27 | 1.1542 | 1.1542/1.1888 | 196,525,000 |
| 56 | GRSDRDZ260811 | CNY | EUR/USD | 2026-03-27 | 1.1542 | 1.1542/1.1888 | 565,529,000 |
| 57 | GRSDRDZ260553 | CNY | FR007 | 2026-03-27 | -- | -- | 484,458,000 |
| 58 | GRSDRDZ260570 | CNY | FR007 | 2026-03-27 | -- | -- | 75,894,000 |
| 59 | GRSDRDZ260703 | CNY | FR007 | 2026-03-27 | -- | -- | 3,559,314,000 |
| 60 | GRSDRDZ260778 | CNY | FR007 | 2026-03-27 | -- | -- | 452,362,000 |
| 61 | GRSDRDZ260779 | CNY | FR007 | 2026-03-27 | -- | -- | 587,071,000 |
| 62 | GRSDRDZ260795 | CNY | FR007 | 2026-03-27 | -- | -- | 59,159,000 |
| 63 | GRSDRDZ260802 | CNY | FR007 | 2026-03-27 | -- | -- | 98,200,000 |
| 64 | GRSDRDZ260803 | CNY | FR007 | 2026-03-27 | -- | -- | 85,410,000 |
| 65 | GRSDRDZ260806 | CNY | FR007 | 2026-03-27 | -- | -- | 608,100,000 |
| 66 | GRSDRDZ260809 | CNY | FR007 | 2026-03-27 | -- | -- | 691,985,000 |
| 67 | GRSDRDZ260835 | CNY | FR007 | 2026-03-27 | -- | -- | 5,966,000 |
| 68 | GRSDRDZ260836 | CNY | FR007 | 2026-03-27 | -- | -- | 28,150,000 |
| 69 | GRSDRDZ260838 | CNY | FR007 | 2026-03-27 | -- | -- | 143,875,000 |
| 70 | GRSDRDZ260850 | CNY | FR007 | 2026-03-27 | -- | -- | 131,513,000 |
| 71 | GRSDRDZ260858 | CNY | FR007 | 2026-03-27 | -- | -- | 99,502,000 |
| 72 | GRSDRDZ260837 | CNY | XAU/USD | 2026-03-27 | 4,457.37 | 4457.37/4680.24 | 44,485,000 |
| 73 | GRSDRDZ260833 | CNY | EUR/USD | 2026-03-27 | 1.1542 | 1.2262/1.0822 | 4,345,000 |
| 74 | GRSDRDZ260849 | CNY | FR007 | 2026-03-27 | -- | -- | 45,110,000 |
| 75 | GRSDRDZ260852 | CNY | FR007 | 2026-03-27 | -- | -- | 30,000,000 |
| 76 | GRSDR260187 | CNY | USD/JPY | 2026-03-27 | 159.60 | 167.20/152.00 | 116,639,000 |
| 77 | GRSDRDZ260783 | CNY | USD/JPY | 2026-03-27 | 159.60 | 166.95/152.25 | 86,283,000 |
| 78 | GRSDR260183 | CNY | USD/JPY | 2026-03-27 | 159.60 | 162.90 | 211,456,000 |
| 79 | GRSDR260184 | CNY | USD/CHF | 2026-03-27 | 0.7954 | 0.7790 | 118,463,000 |
| 80 | GRSDR260213 | CNY | GBP/USD | 2026-03-27 | 1.3342 | 1.3284 | 621,254,000 |
| 81 | GRSDR260214 | CNY | USD/CHF | 2026-03-27 | 0.7954 | 0.7915 | 268,669,000 |
| 82 | GRSDRDZ260808 | CNY | USD/CHF | 2026-03-27 | 0.7954 | 0.7915 | 98,733,000 |
| 83 | GRSDRDZ260829 | CNY | GBP/USD | 2026-03-27 | 1.3342 | 1.3271 | 163,495,000 |
| 84 | GRSDRDZ260830 | CNY | USD/CHF | 2026-03-27 | 0.7954 | 0.7905 | 106,086,000 |
| 85 | GRSDRDZ260807 | CNY | GBP/USD | 2026-03-27 | 1.3342 | 1.3284 | 148,184,000 |
| 86 | GRSD7G181_39 | CNY | FR007 | 2026-03-27 | -- | -- | 8,913,174,000 |
| 87 | GRSD7G146_112 | CNY | FR007 | 2026-03-27 | -- | -- | 9,202,144,000 |
| 88 | GRSDRDZ260827 | CNY | EUR/USD | 2026-03-27 | 1.1542 | 1.2737/1.0347 | 110,035,000 |
| 89 | GRSDRDZ260775 | CNY | AUD/USD | 2026-03-27 | 0.6900 | 0.7100/0.6700 | 65,900,000 |
| 90 | GRSDRDZ260791 | CNY | EUR/USD | 2026-03-27 | 1.1542 | 1.1665/1.1419 | 581,009,000 |
| 91 | GRSDRDZ260777 | CNY | EUR/USD | 2026-03-27 | 1.1542 | 1.1665/1.1419 | 369,844,000 |
| 92 | GRSDRDZ260551 | CNY | EUR/USD | 2026-03-27 | 1.1542 | 1.1665/1.1419 | 776,129,000 |
| 93 | GRSDR260185 | CNY | EUR/USD | 2026-03-27 | 1.1542 | 1.1665/1.1419 | 113,991,000 |
| 94 | GRSDRDZ260828 | CNY | USD/JPY | 2026-03-27 | 159.60 | 171.20 | 105,128,000 |
| 95 | GRSDR260142 | CNY | GBP/USD | 2026-03-27 | 1.3342 | 1.3225 | 55,857,000 |
| 96 | GRSDR260143 | CNY | USD/CHF | 2026-03-27 | 0.7954 | 0.7874 | 13,313,000 |
2. 按照产品说明书约定，现将2026年3月23日至2026年3月29日期间到期的个人客户结构性存款产品实际收益率信息公告如下：
| 序号 | 产品代码 | 币种 | 挂钩标的 | 产品成立日 （基准日） |
到期日 | 实际收益率（年化） |
|---|---|---|---|---|---|---|
| 1 | GRSDRDZ252124 | CNY | USD/CAD | 2025-12-19 | 2026-03-24 | 1.6500% |
| 2 | GRSDRDZ252172 | CNY | FR007 | 2025-12-08 | 2026-03-24 | 2.0697% |
| 3 | GRSDRDZ260589 | CNY | USD/CHF | 2026-03-09 | 2026-03-24 | 2.0000% |
| 4 | GRSDRDZ260588 | CNY | USD/JPY | 2026-03-09 | 2026-03-24 | 2.0000% |
| 5 | GRSD7G182_36 | CNY | FR007 | 2026-03-16 | 2026-03-24 | 1.6132% |
| 6 | GRSD7G187_23 | CNY | FR007 | 2026-03-16 | 2026-03-24 | 1.4834% |
| 7 | GRSD7G185_26 | CNY | FR007 | 2026-03-16 | 2026-03-24 | 1.5185% |
| 8 | GRSDRDZ252358 | CNY | FR007 | 2025-12-29 | 2026-03-24 | 2.1363% |
| 9 | GRSDRDZ250535 | CNY | AUD/USD | 2025-03-24 | 2026-03-24 | 1.0000% |
| 10 | GRSDRDZ252250 | CNY | FR007 | 2025-12-22 | 2026-03-24 | 2.0143% |
| 11 | GRSDRDZ252074 | CNY | AUD/USD | 2025-12-01 | 2026-03-24 | 1.4000% |
| 12 | GRSDRDZ251575 | CNY | USD/CHF | 2025-09-17 | 2026-03-24 | 2.0000% |
| 13 | GRSDR250704 | CNY | EUR/USD | 2025-12-19 | 2026-03-24 | 1.6833% |
| 14 | GRSDRDZ250534 | CNY | GBP/USD | 2025-03-24 | 2026-03-24 | 1.0000% |
| 15 | GRSDRDZ252269 | CNY | USD/CAD | 2025-12-19 | 2026-03-24 | 1.6167% |
| 16 | GRSDRDZ252169 | CNY | FR007 | 2025-12-05 | 2026-03-25 | 2.0811% |
| 17 | GRSDRDZ252384 | CNY | FR007 | 2025-12-25 | 2026-03-25 | 2.0230% |
| 18 | GRSD7G189_16 | CNY | FR007 | 2026-03-18 | 2026-03-25 | 1.6877% |
| 19 | GRSD7G177_46 | CNY | FR007 | 2026-03-18 | 2026-03-25 | 1.8218% |
| 20 | GRSD7G183_29 | CNY | FR007 | 2026-03-18 | 2026-03-25 | 1.5983% |
| 21 | GRSDRDZ251607 | CNY | EUR/USD | 2025-09-24 | 2026-03-25 | 1.5250% |
| 22 | GRSDRDZ252253 | CNY | FR007 | 2025-12-24 | 2026-03-26 | 1.8705% |
| 23 | GRSDRDZ260667 | CNY | USD/CAD | 2026-03-12 | 2026-03-26 | 2.2000% |
| 24 | GRSD7G146_111 | CNY | FR007 | 2026-03-19 | 2026-03-26 | 1.7622% |
| 25 | GRSDRDZ252284 | CNY | FR007 | 2025-12-24 | 2026-03-26 | 1.8294% |
| 26 | GRSD7G181_38 | CNY | FR007 | 2026-03-18 | 2026-03-26 | 1.5685% |
| 27 | GRSDRDZ252137 | CNY | EUR/USD | 2025-12-22 | 2026-03-27 | 1.2500% |
| 28 | GRSDRDZ252387 | CNY | FR007 | 2025-12-26 | 2026-03-27 | 2.1382% |
| 29 | GRSDRDZ260022 | CNY | EUR/USD | 2026-01-12 | 2026-03-27 | 1.7333% |
| 30 | GRSDRDZ260090 | CNY | FR007 | 2026-01-19 | 2026-03-27 | 1.7480% |
| 31 | GRSDRDZ260318 | CNY | EUR/USD | 2026-02-09 | 2026-03-27 | 1.3300% |
| 32 | GRSDRDZ251527 | CNY | AUD/USD | 2025-10-09 | 2026-03-27 | 1.9417% |
| 33 | GRSDRDZ252368 | CNY | FR007 | 2025-12-26 | 2026-03-27 | 1.9299% |
| 34 | GRSDRDZ252364 | CNY | FR007 | 2025-12-26 | 2026-03-27 | 2.1863% |
| 35 | GRSDRDZ252315 | CNY | FR007 | 2025-12-26 | 2026-03-27 | 1.9299% |
| 36 | GRSDRDZ252419 | CNY | USD/CAD | 2026-01-05 | 2026-03-27 | 2.0167% |
| 37 | GRSDR260100 | CNY | EUR/USD | 2026-03-02 | 2026-03-27 | 0.0500% |
| 38 | GRSDRDZ251516 | CNY | USD/JPY | 2025-09-26 | 2026-03-27 | 1.6000% |
| 39 | GRSDR260147 | CNY | USD/CHF | 2026-03-06 | 2026-03-27 | 0.0500% |
| 40 | GRSDR260148 | CNY | USD/JPY | 2026-03-06 | 2026-03-27 | 0.0500% |
| 41 | GRSDR260094 | CNY | EUR/USD | 2026-02-27 | 2026-03-27 | 0.0500% |
| 42 | GRSDR260095 | CNY | USD/CHF | 2026-02-27 | 2026-03-27 | 3.0000% |
| 43 | GRSDR260093 | CNY | FR007 | 2026-02-27 | 2026-03-27 | 1.3575% |
| 44 | GRSDRDZ260309 | CNY | FR007 | 2026-02-27 | 2026-03-27 | 1.6302% |
| 45 | GRSDRDZ260490 | CNY | FR007 | 2026-03-02 | 2026-03-27 | 1.6050% |
| 46 | GRSDR260111 | CNY | XAU/USD | 2026-02-27 | 2026-03-27 | 1.6000% |
| 47 | GRSDR250485 | CNY | USD/JPY | 2025-09-26 | 2026-03-27 | 1.4700% |
| 48 | GRSDU25051 | USD | GBP/USD | 2025-03-27 | 2026-03-27 | 2.3000% |
| 49 | GRSDR250475 | CNY | GBP/USD | 2025-09-22 | 2026-03-27 | 0.7833% |
| 50 | GRSDRDZ252486 | CNY | FR007 | 2026-01-09 | 2026-03-27 | 2.1444% |
| 51 | GRSDR250474 | CNY | GBP/USD | 2025-09-24 | 2026-03-27 | 1.0333% |
| 52 | GRSDR250700 | CNY | AUD/USD | 2025-12-22 | 2026-03-27 | 1.0000% |
| 53 | GRSDR250478 | CNY | GBP/USD | 2025-09-23 | 2026-03-27 | 0.7417% |
| 54 | GRSDR260110 | CNY | USD/CHF | 2026-02-27 | 2026-03-27 | 1.6000% |
| 55 | GRSDRDZ251515 | CNY | EUR/USD | 2025-09-22 | 2026-03-27 | 1.1333% |
| 56 | GRSDR260101 | CNY | FR007 | 2026-03-02 | 2026-03-27 | 1.0614% |
| 57 | GRSDRDZ251523 | CNY | EUR/USD | 2025-09-22 | 2026-03-27 | 1.0000% |
| 58 | GRSDR250510 | CNY | AUD/USD | 2025-10-10 | 2026-03-28 | 1.5583% |
| 59 | GRSDR250508 | CNY | USD/JPY | 2025-10-10 | 2026-03-28 | 1.6750% |
具体产品细节请见产品说明书或咨询客户经理。感谢您一直以来的关注与支持。
中国银行股份有限公司
2026年3月30日