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人民币/外币结构性存款产品起到期公告(2026年4月27日更新)

2026-04-27


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4月20日至2026年4月26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 GRSDRDZ261082 CNY GBP/USD 2026-04-20 1.3492 1.3437 133,054,000
2 GRSDRDZ261052 CNY EUR/USD 2026-04-20 1.1754 1.1964/1.1544 2,341,458,000
3 GRSDRDZ261066 CNY GBP/USD 2026-04-20 1.3492 1.3932/1.3052 444,419,000
4 GRSDRDZ261065 CNY EUR/USD 2026-04-20 1.1754 1.2024/1.1484 306,628,000
5 GRSDR260245 CNY AUD/USD 2026-04-20 0.7149 0.6491 21,070,000
6 GRSDRDZ261057 CNY FR007 2026-04-20 -- -- 596,190,000
7 GRSDRDZ261056 CNY FR007 2026-04-20 -- -- 199,637,000
8 GRSDRDZ261055 CNY FR007 2026-04-20 -- -- 399,600,000
9 GRSDRDZ261059 CNY GBP/USD 2026-04-20 1.3492 1.3752/1.3232 25,335,000
10 GRSDRDZ261058 CNY EUR/USD 2026-04-20 1.1754 1.1959/1.1549 48,322,000
11 GRSDRDZ261083 CNY USD/CAD 2026-04-20 1.3700 1.3740 69,119,000
12 GRSDRDZ261054 CNY USD/CAD 2026-04-20 1.3700 1.3733 10,290,000
13 GRSDRDZ261053 CNY GBP/USD 2026-04-20 1.3492 1.3447 15,021,000
14 GRSDRDZ261102 CNY XAU/USD 2026-04-20 4,791.33 4791.33/5030.90 863,099,000
15 GRSDRDZ261098 CNY GBP/USD 2026-04-20 1.3492 1.3422 224,120,000
16 GRSDR260243 CNY USD/CAD 2026-04-20 1.3700 1.3803 302,064,000
17 GRSDR260244 CNY EUR/USD 2026-04-20 1.1754 1.2854/1.0654 30,023,000
18 GRSDR260247 CNY GBP/USD 2026-04-20 1.3492 1.3492/1.3087 467,485,000
19 GRSDRDZ261118 CNY FR007 2026-04-20 -- -- 501,600,000
20 GRSDRDZ261114 CNY FR007 2026-04-20 -- -- 110,600,000
21 GRSDRDZ261113 CNY FR007 2026-04-20 -- -- 190,500,000
22 GRSDRDZ261116 CNY FR007 2026-04-20 -- -- 60,000,000
23 GRSDR260240 CNY EUR/USD 2026-04-20 1.1754 1.1957/1.1551 862,342,000
24 GRSDRDZ261109 CNY EUR/USD 2026-04-20 1.1754 1.1957/1.1551 211,081,000
25 GRSDRDZ261046 CNY GBP/USD 2026-04-20 1.3492 1.3782/1.3202 77,023,000
26 GRSDRDZ261100 CNY GBP/USD 2026-04-20 1.3492 1.3782/1.3202 1,066,709,000
27 GRSDRDZ261047 CNY EUR/USD 2026-04-20 1.1754 1.2074/1.1434 140,626,000
28 GRSDRDZ260865 CNY GBP/USD 2026-04-20 1.3492 1.3937/1.3047 1,398,014,000
29 GRSDRDZ260868 CNY GBP/USD 2026-04-20 1.3492 1.3937/1.3047 1,199,514,000
30 GRSDRDZ261073 CNY GBP/USD 2026-04-20 1.3492 1.3402 17,520,000
31 GRSDRDZ260882 CNY FR007 2026-04-20 -- -- 214,490,000
32 GRSDRDZ261044 CNY FR007 2026-04-20 -- -- 2,104,540,000
33 GRSDRDZ261045 CNY FR007 2026-04-20 -- -- 203,030,000
34 GRSDRDZ261062 CNY FR007 2026-04-20 -- -- 361,797,000
35 GRSDRDZ261070 CNY FR007 2026-04-20 -- -- 1,145,025,000
36 GRSDRDZ261075 CNY FR007 2026-04-20 -- -- 227,649,000
37 GRSDRDZ261077 CNY FR007 2026-04-20 -- -- 93,789,000
38 GRSD2WG171_39 CNY GBP/USD 2026-04-20 1.3492 1.3414 1,000,807,000
39 GRSDRDZ261074 CNY USD/CAD 2026-04-20 1.3700 1.3761 9,920,000
40 GRSDR260236 CNY GBP/USD 2026-04-20 1.3492 1.3777/1.3207 62,161,000
41 GRSDRDZ261076 CNY GBP/USD 2026-04-20 1.3492 1.3492/1.3087 43,893,000
42 GRSDRDZ261097 CNY FR007 2026-04-20 -- -- 412,075,000
43 GRSDRDZ261099 CNY FR007 2026-04-20 -- -- 1,472,936,000
44 GRSDRDZ261079 CNY FR007 2026-04-20 -- -- 20,000,000
45 GRSDRDZ261090 CNY FR007 2026-04-20 -- -- 521,171,000
46 GRSDR260289 CNY AUD/USD 2026-04-21 0.7167 0.7178 467,340,000
47 GRSDRDZ261067 CNY EUR/USD 2026-04-21 1.1779 1.1919/1.1639 55,000,000
48 GRSDR260288 CNY AUD/USD 2026-04-21 0.7167 0.7169 1,084,965,000
49 GRSD7G182_40 CNY FR007 2026-04-22 -- -- 726,463,000
50 GRSD7G187_27 CNY FR007 2026-04-22 -- -- 3,457,724,000
51 GRSDRDZ261048 CNY EUR/USD 2026-04-22 1.1751 1.2141/1.1361 200,079,000
52 GRSD7G146_114 CNY FR007 2026-04-22 -- -- 8,317,909,000
53 GRSD2WG199_1 CNY FR007 2026-04-22 -- -- 153,975,000
54 GRSDR260242 CNY EUR/USD 2026-04-22 1.1751 1.2061/1.1441 313,856,000
55 GRSD7G185_30 CNY FR007 2026-04-22 -- -- 7,378,293,000
56 GRSD7G183_33 CNY FR007 2026-04-23 -- -- 4,621,921,000
57 GRSD7G189_20 CNY FR007 2026-04-23 -- -- 5,758,615,000
58 GRSDRDZ261160 CNY FR007 2026-04-23 -- -- 80,000,000
59 GRSDRDZ261159 CNY AUD/USD 2026-04-23 0.7154 0.7200 228,958,000
60 GRSDUDZ26014 USD AUD/USD 2026-04-23 0.7154 0.6214 842,100
61 GRSD7G177_50 CNY FR007 2026-04-23 -- -- 5,749,462,000
62 GRSD2WG168_44 CNY USD/CAD 2026-04-23 1.3670 1.3715 1,083,100,000
63 GRSDRDZ261146 CNY AUD/USD 2026-04-23 0.7154 0.7244/0.7064 172,660,000
64 GRSDR260277 CNY XAU/USD 2026-04-24 4,685.25 4811.50 46,737,000
65 GRSDR260250 CNY USD/CAD 2026-04-24 1.3705 1.3557 369,533,000
66 GRSDR260251 CNY XAU/USD 2026-04-24 4,685.25 4951.60 176,853,000
67 GRSD2WG197_5 CNY AUD/USD 2026-04-24 0.7127 0.7165 556,404,000
68 GRSDR260252 CNY EUR/USD 2026-04-24 1.1682 1.1912/1.1452 272,325,000
69 GRSDRDZ260869 CNY EUR/USD 2026-04-24 1.1682 1.1912/1.1452 1,623,917,000
70 GRSDRDZ261130 CNY EUR/USD 2026-04-24 1.1682 1.1912/1.1452 694,057,000
71 GRSDRDZ261168 CNY XAU/USD 2026-04-24 4,685.25 4796.15 139,254,000
72 GRSDRDZ261138 CNY EUR/USD 2026-04-24 1.1682 1.1982/1.1382 29,800,000
73 GRSDRDZ261127 CNY EUR/USD 2026-04-24 1.1682 1.2072/1.1292 300,082,000
74 GRSDRDZ261137 CNY EUR/USD 2026-04-24 1.1682 1.2072/1.1292 221,757,000
75 GRSDRDZ261171 CNY EUR/USD 2026-04-24 1.1682 1.2072/1.1292 238,236,000
76 GRSDRDZ261179 CNY AUD/USD 2026-04-24 0.7127 0.7387 42,312,000
77 GRSDRDZ261180 CNY EUR/USD 2026-04-24 1.1682 1.2455 38,019,000
78 GRSDRDZ261129 CNY AUD/USD 2026-04-24 0.7127 0.7205/0.7049 409,269,000
79 GRSDRDZ261178 CNY AUD/USD 2026-04-24 0.7127 0.7194/0.7060 65,135,000
80 GRSDRDZ260872 CNY AUD/USD 2026-04-24 0.7127 0.7203/0.7051 969,293,000
81 GRSDRDZ261147 CNY AUD/USD 2026-04-24 0.7127 0.7203/0.7051 132,250,000
82 GRSDRDZ261170 CNY AUD/USD 2026-04-24 0.7127 0.7203/0.7051 464,400,000
83 GRSDR260254 CNY USD/JPY 2026-04-24 159.76 165.76/153.76 147,749,000
84 GRSDRDZ261161 CNY AUD/USD 2026-04-24 0.7127 0.7384 20,090,000
85 GRSDRDZ261162 CNY EUR/USD 2026-04-24 1.1682 1.2457 19,270,000
86 GRSDRDZ260871 CNY FR007 2026-04-24 -- -- 1,000,000,000
87 GRSDRDZ260883 CNY FR007 2026-04-24 -- -- 185,631,000
88 GRSDRDZ261125 CNY FR007 2026-04-24 -- -- 1,216,619,000
89 GRSDRDZ261133 CNY FR007 2026-04-24 -- -- 50,000,000
90 GRSDRDZ261134 CNY FR007 2026-04-24 -- -- 786,865,000
91 GRSDRDZ261135 CNY FR007 2026-04-24 -- -- 259,961,000
92 GRSDRDZ261136 CNY FR007 2026-04-24 -- -- 440,280,000
93 GRSDRDZ261143 CNY FR007 2026-04-24 -- -- 224,996,000
94 GRSDRDZ261151 CNY FR007 2026-04-24 -- -- 240,935,000
95 GRSDRDZ261156 CNY FR007 2026-04-24 -- -- 408,700,000
96 GRSDRDZ261163 CNY FR007 2026-04-24 -- -- 96,731,000
97 GRSDRDZ261164 CNY FR007 2026-04-24 -- -- 70,000,000
98 GRSDRDZ261165 CNY FR007 2026-04-24 -- -- 83,000,000
99 GRSDRDZ261166 CNY FR007 2026-04-24 -- -- 107,000,000
100 GRSDRDZ261167 CNY FR007 2026-04-24 -- -- 285,133,000
101 GRSDRDZ261169 CNY FR007 2026-04-24 -- -- 711,481,000
102 GRSDRDZ261154 CNY XAU/USD 2026-04-24 4,685.25 4685.25/4919.51 97,399,000
103 GRSDR260276 CNY AUD/USD 2026-04-24 0.7127 0.7202 100,811,000
104 GRSDRDZ261148 CNY AUD/USD 2026-04-24 0.7127 0.7252/0.7002 46,300,000
105 GRSDR260259 CNY XAU/USD 2026-04-24 4,685.25 4685.25/4919.51 503,968,000
106 GRSDRDZ261172 CNY XAU/USD 2026-04-24 4,685.25 4685.25/4919.51 651,941,000

2. 按照产品说明书约定,现将2026年4月20日至2026年4月26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 GRSDRDZ260767 CNY AUD/USD 2026-03-23 2026-04-20 1.9500%
2 GRSDRDZ260923 CNY FR007 2026-04-07 2026-04-21 1.7179%
3 GRSDRDZ251786 CNY FR007 2025-10-17 2026-04-21 2.3926%
4 GRSDRDZ252349 CNY USD/CAD 2025-12-26 2026-04-21 1.5000%
5 GRSDRDZ260006 CNY EUR/USD 2026-01-16 2026-04-21 1.8917%
6 GRSDRDZ260068 CNY EUR/USD 2026-01-16 2026-04-21 1.9917%
7 GRSDRDZ260120 CNY EUR/USD 2026-01-16 2026-04-21 2.2167%
8 GRSDRDZ260135 CNY EUR/USD 2026-01-16 2026-04-21 1.9333%
9 GRSDRDZ260107 CNY GBP/USD 2026-01-16 2026-04-21 2.0417%
10 GRSDR260028 CNY GBP/USD 2026-01-16 2026-04-21 1.5583%
11 GRSDRDZ260003 CNY GBP/USD 2026-01-16 2026-04-21 1.8500%
12 GRSDRDZ260086 CNY FR007 2026-01-19 2026-04-21 1.9037%
13 GRSDRDZ260125 CNY FR007 2026-01-19 2026-04-21 1.7993%
14 GRSDRDZ260146 CNY FR007 2026-01-21 2026-04-21 2.0922%
15 GRSDRDZ251966 CNY FR007 2025-11-21 2026-04-21 2.0555%
16 GRSDRDZ251886 CNY EUR/USD 2025-11-04 2026-04-21 1.4500%
17 GRSDRDZ252054 CNY FR007 2025-11-21 2026-04-21 2.0555%
18 GRSDRDZ250802 CNY EUR/USD 2025-04-21 2026-04-21 2.3000%
19 GRSDRDZ250803 CNY USD/JPY 2025-04-21 2026-04-21 1.0000%
20 GRSDRDZ260899 CNY FR007 2026-04-07 2026-04-21 1.6754%
21 GRSDRDZ260924 CNY XAU/USD 2026-04-07 2026-04-21 2.1500%
22 GRSDRDZ260928 CNY GBP/USD 2026-04-07 2026-04-21 0.6000%
23 GRSDRDZ260740 CNY FR007 2026-03-19 2026-04-21 1.8418%
24 GRSDRDZ260739 CNY FR007 2026-03-19 2026-04-21 1.7840%
25 GRSDRDZ260745 CNY NZD/USD 2026-03-20 2026-04-21 2.1500%
26 GRSDRDZ260795 CNY FR007 2026-03-27 2026-04-21 1.5845%
27 GRSDRDZ260595 CNY FR007 2026-03-06 2026-04-21 1.6704%
28 GRSDRDZ260902 CNY GBP/USD 2026-04-03 2026-04-21 0.6000%
29 GRSDRDZ260903 CNY AUD/USD 2026-04-03 2026-04-21 2.0000%
30 GRSD7G187_26 CNY FR007 2026-04-10 2026-04-21 1.4306%
31 GRSD7G185_29 CNY FR007 2026-04-10 2026-04-21 1.4665%
32 GRSD7G182_39 CNY FR007 2026-04-10 2026-04-21 1.7421%
33 GRSDRDZ260947 CNY AUD/USD 2026-04-07 2026-04-21 2.0000%
34 GRSDRDZ260946 CNY GBP/USD 2026-04-07 2026-04-21 0.6000%
35 GRSDRDZ260070 CNY FR007 2026-01-16 2026-04-21 1.6197%
36 GRSDRDZ260071 CNY FR007 2026-01-16 2026-04-21 1.6654%
37 GRSDRDZ260929 CNY XAU/USD 2026-04-07 2026-04-21 2.0000%
38 GRSD7G146_113 CNY FR007 2026-04-09 2026-04-21 1.6575%
39 GRSDRDZ251975 CNY FR007 2025-12-01 2026-04-22 2.0437%
40 GRSDRDZ251618 CNY AUD/USD 2025-09-19 2026-04-22 2.4000%
41 GRSDRDZ260909 CNY FR007 2026-04-02 2026-04-22 1.6057%
42 GRSD2WG168_43 CNY GBP/USD 2026-04-03 2026-04-22 0.6000%
43 GRSDRDZ260467 CNY AUD/USD 2026-02-13 2026-04-22 2.0146%
44 GRSD2WG196_5 CNY FR007 2026-04-03 2026-04-22 1.7189%
45 GRSDRDZ260594 CNY USD/JPY 2026-03-06 2026-04-22 2.0000%
46 GRSDRDZ260677 CNY FR007 2026-03-13 2026-04-22 1.5772%
47 GRSD7G189_19 CNY FR007 2026-04-15 2026-04-22 1.6224%
48 GRSD7G183_32 CNY FR007 2026-04-15 2026-04-22 1.5514%
49 GRSDRDZ260592 CNY FR007 2026-03-09 2026-04-22 1.8195%
50 GRSD7G177_49 CNY FR007 2026-04-15 2026-04-22 1.6934%
51 GRSDRDZ260750 CNY NZD/USD 2026-03-23 2026-04-22 2.1500%
52 GRSDRDZ260033 CNY AUD/USD 2026-01-14 2026-04-22 0.6500%
53 GRSDRDZ260027 CNY AUD/USD 2026-01-12 2026-04-22 0.7500%
54 GRSD2WG197_4 CNY GBP/USD 2026-04-08 2026-04-23 2.0500%
55 GRSDU25071 USD EUR/USD 2025-04-24 2026-04-24 2.6500%
56 GRSDRDZ251767 CNY GBP/USD 2025-10-20 2026-04-24 0.8917%
57 GRSDR250547 CNY USD/JPY 2025-10-21 2026-04-24 1.5083%
58 GRSDRDZ260073 CNY EUR/USD 2026-01-19 2026-04-24 2.0500%
59 GRSDR250544 CNY AUD/USD 2025-10-20 2026-04-24 1.1750%
60 GRSDRDZ251777 CNY AUD/USD 2025-10-20 2026-04-24 1.2500%
61 GRSDRDZ251759 CNY FR007 2025-10-20 2026-04-24 1.9454%
62 GRSDR260024 CNY USD/JPY 2026-01-19 2026-04-24 1.7500%
63 GRSDRDZ260019 CNY USD/JPY 2026-01-19 2026-04-24 1.9000%
64 GRSDR260069 CNY XAU/USD 2026-01-27 2026-04-24 1.8500%
65 GRSDR250543 CNY AUD/USD 2025-10-22 2026-04-24 1.2250%
66 GRSDRDZ251820 CNY USD/JPY 2025-10-24 2026-04-24 2.1000%
67 GRSDRDZ251842 CNY USD/JPY 2025-10-24 2026-04-24 2.0000%
68 GRSDRDZ260092 CNY FR007 2026-01-19 2026-04-24 2.0819%
69 GRSDR260029 CNY EUR/USD 2026-01-19 2026-04-24 1.7500%
70 GRSDRDZ260127 CNY EUR/USD 2026-01-19 2026-04-24 2.4000%
71 GRSDR250554 CNY AUD/USD 2025-10-24 2026-04-24 1.0333%
72 GRSDRDZ251768 CNY AUD/USD 2025-10-24 2026-04-24 1.0833%
73 GRSDRDZ260491 CNY FR007 2026-03-02 2026-04-24 1.7466%
74 GRSDRDZ260654 CNY FR007 2026-03-16 2026-04-24 1.5572%
75 GRSDRDZ261030 CNY FR007 2026-04-10 2026-04-24 1.5588%
76 GRSDR260142 CNY GBP/USD 2026-03-27 2026-04-24 1.6000%
77 GRSDR260143 CNY USD/CHF 2026-03-27 2026-04-24 1.6000%
78 GRSDRDZ260607 CNY USD/JPY 2026-03-09 2026-04-24 1.9500%
79 GRSDRDZ260608 CNY USD/JPY 2026-03-05 2026-04-24 2.1000%
80 GRSDRDZ260553 CNY FR007 2026-03-27 2026-04-24 1.5833%
81 GRSDRDZ260570 CNY FR007 2026-03-27 2026-04-24 1.3268%
82 GRSDRDZ260850 CNY FR007 2026-03-27 2026-04-24 1.7828%
83 GRSDRDZ260569 CNY FR007 2026-03-23 2026-04-24 1.0208%
84 GRSDRDZ260716 CNY FR007 2026-03-23 2026-04-24 1.5658%
85 GRSDRDZ260749 CNY FR007 2026-03-23 2026-04-24 1.6956%
86 GRSDRDZ260722 CNY FR007 2026-03-20 2026-04-24 1.7841%
87 GRSDRDZ260730 CNY FR007 2026-03-20 2026-04-24 1.7696%
88 GRSDR260177 CNY NZD/USD 2026-03-23 2026-04-24 2.4000%
89 GRSDRDZ260794 CNY FR007 2026-04-02 2026-04-24 1.5726%
90 GRSD7G181_41 CNY FR007 2026-04-17 2026-04-24 1.5100%
91 GRSDR260183 CNY USD/JPY 2026-03-27 2026-04-24 0.0500%
92 GRSDR260184 CNY USD/CHF 2026-03-27 2026-04-24 3.0000%
93 GRSDRDZ260323 CNY FR007 2026-02-09 2026-04-24 1.6911%

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4月27日

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