2026-05-06
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27日至2026年5月5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 | GRSD7G181_42 | CNY | FR007 | 2026/4/27 | -- | -- | 13,253,693,000 |
| 2 | GRSDR260249 | CNY | EUR/USD | 2026/4/27 | 1.1724 | 1.1894/1.1554 | 80,252,000 |
| 3 | GRSDR260253 | CNY | USD/JPY | 2026/4/27 | 159.38 | 163.18/155.58 | 864,640,000 |
| 4 | GRSDR260256 | CNY | AUD/USD | 2026/4/27 | 0.7166 | 0.7289 | 279,206,000 |
| 5 | GRSDR260257 | CNY | AUD/USD | 2026/4/27 | 0.7166 | 0.7419 | 22,349,000 |
| 6 | GRSDR260258 | CNY | EUR/USD | 2026/4/27 | 1.1724 | 1.2504 | 10,250,000 |
| 7 | GRSDR260260 | CNY | AUD/USD | 2026/4/27 | 0.7166 | 0.7166/0.7381 | 417,994,000 |
| 8 | GRSDRDZ260870 | CNY | EUR/USD | 2026/4/27 | 1.1724 | 1.2049/1.1399 | 803,053,000 |
| 9 | GRSDRDZ260873 | CNY | EUR/USD | 2026/4/27 | 1.1724 | 1.2049/1.1399 | 766,610,000 |
| 10 | GRSDRDZ260884 | CNY | FR007 | 2026/4/27 | -- | -- | 153,914,000 |
| 11 | GRSDRDZ261121 | CNY | FR007 | 2026/4/27 | -- | -- | 240,387,000 |
| 12 | GRSDRDZ261122 | CNY | FR007 | 2026/4/27 | -- | -- | 164,356,000 |
| 13 | GRSDRDZ261123 | CNY | FR007 | 2026/4/27 | -- | -- | 504,248,000 |
| 14 | GRSDRDZ261124 | CNY | USD/JPY | 2026/4/27 | 159.38 | 162.68/156.08 | 13,697,000 |
| 15 | GRSDRDZ261126 | CNY | FR007 | 2026/4/27 | -- | -- | 598,937,000 |
| 16 | GRSDRDZ261128 | CNY | USD/JPY | 2026/4/27 | 159.38 | 165.48/153.28 | 741,621,000 |
| 17 | GRSDRDZ261131 | CNY | EUR/USD | 2026/4/27 | 1.1724 | 1.2049/1.1399 | 92,780,000 |
| 18 | GRSDRDZ261139 | CNY | FR007 | 2026/4/27 | -- | -- | 300,011,000 |
| 19 | GRSDRDZ261140 | CNY | AUD/USD | 2026/4/27 | 0.7166 | 0.7240/0.7092 | 21,000,000 |
| 20 | GRSDRDZ261141 | CNY | AUD/USD | 2026/4/27 | 0.7166 | 0.7241/0.7091 | 37,245,000 |
| 21 | GRSDRDZ261144 | CNY | FR007 | 2026/4/27 | -- | -- | 89,200,000 |
| 22 | GRSDRDZ261149 | CNY | EUR/USD | 2026/4/27 | 1.1724 | 1.1904/1.1544 | 223,849,000 |
| 23 | GRSDRDZ261150 | CNY | FR007 | 2026/4/27 | -- | -- | 158,225,000 |
| 24 | GRSDRDZ261152 | CNY | AUD/USD | 2026/4/27 | 0.7166 | 0.7216 | 138,941,000 |
| 25 | GRSDRDZ261153 | CNY | XAU/USD | 2026/4/27 | 4,711.47 | 4794.07 | 80,825,000 |
| 26 | GRSDRDZ261155 | CNY | AUD/USD | 2026/4/27 | 0.7166 | 0.7225/0.7107 | 195,762,000 |
| 27 | GRSDRDZ261157 | CNY | AUD/USD | 2026/4/27 | 0.7166 | 0.7233 | 21,839,000 |
| 28 | GRSDRDZ261158 | CNY | XAU/USD | 2026/4/27 | 4,711.47 | 4822.47 | 17,600,000 |
| 29 | GRSDRDZ261173 | CNY | FR007 | 2026/4/27 | -- | -- | 176,606,000 |
| 30 | GRSDRDZ261174 | CNY | USD/CAD | 2026/4/27 | 1.3664 | 1.3604 | 80,395,000 |
| 31 | GRSDRDZ261175 | CNY | FR007 | 2026/4/27 | -- | -- | 261,780,000 |
| 32 | GRSDRDZ261176 | CNY | AUD/USD | 2026/4/27 | 0.7166 | 0.7240/0.7092 | 274,033,000 |
| 33 | GRSDRDZ261181 | CNY | USD/JPY | 2026/4/27 | 159.38 | 165.48/153.28 | 99,997,000 |
| 34 | GRSDRDZ261183 | CNY | USD/JPY | 2026/4/27 | 159.38 | 163.33/155.43 | 39,412,000 |
| 35 | GRSDR260284 | CNY | EUR/USD | 2026/4/28 | 1.1707 | 1.1752 | 753,285,000 |
| 36 | GRSDRDZ261132 | CNY | FR007 | 2026/4/28 | -- | -- | 81,210,000 |
| 37 | GRSDR260255 | CNY | EUR/USD | 2026/4/29 | 1.1701 | 1.2036/1.1366 | 274,816,000 |
| 38 | GRSDRDZ261142 | CNY | USD/JPY | 2026/4/29 | 159.7 | 165.55/153.85 | 49,144,000 |
| 39 | GRSD2WG163_52 | CNY | USD/CAD | 2026/4/30 | 1.3687 | 1.3649 | 3,642,086,000 |
| 40 | GRSD2WG172_36 | CNY | AUD/USD | 2026/4/30 | 0.7114 | 0.7159 | 2,804,796,000 |
| 41 | GRSD7G146_115 | CNY | FR007 | 2026/4/30 | -- | -- | 8,720,743,000 |
| 42 | GRSD7G182_41 | CNY | FR007 | 2026/4/30 | -- | -- | 724,224,000 |
| 43 | GRSD7G187_28 | CNY | FR007 | 2026/4/30 | -- | -- | 3,479,806,000 |
| 44 | GRSDR260262 | CNY | AUD/USD | 2026/4/30 | 0.7114 | 0.7271 | 85,997,000 |
| 45 | GRSDR260263 | CNY | USD/CAD | 2026/4/30 | 1.3687 | 1.3542 | 58,861,000 |
| 46 | GRSDR260264 | CNY | GBP/USD | 2026/4/30 | 1.3461 | 1.3771/1.3151 | 218,216,000 |
| 47 | GRSDR260266 | CNY | USD/JPY | 2026/4/30 | 160.61 | 162.81/158.41 | 146,314,000 |
| 48 | GRSDR260270 | CNY | XAU/USD | 2026/4/30 | 4,564.36 | 4564.36/4792.58 | 166,654,000 |
| 49 | GRSDR260278 | CNY | AUD/USD | 2026/4/30 | 0.7114 | 0.7189 | 27,706,000 |
| 50 | GRSDR260279 | CNY | USD/CAD | 2026/4/30 | 1.3687 | 1.3617 | 20,935,000 |
| 51 | GRSDR260290 | CNY | AUD/USD | 2026/4/30 | 0.7114 | 0.7149 | 229,177,000 |
| 52 | GRSDR260291 | CNY | USD/CAD | 2026/4/30 | 1.3687 | 1.3654 | 162,908,000 |
| 53 | GRSDR260292 | CNY | AUD/USD | 2026/4/30 | 0.7114 | 0.7149 | 78,856,000 |
| 54 | GRSDR260293 | CNY | USD/CAD | 2026/4/30 | 1.3687 | 1.3654 | 51,286,000 |
| 55 | GRSDRDZ260874 | CNY | GBP/USD | 2026/4/30 | 1.3461 | 1.3771/1.3151 | 659,396,000 |
| 56 | GRSDRDZ260876 | CNY | FR007 | 2026/4/30 | -- | -- | 906,548,000 |
| 57 | GRSDRDZ260877 | CNY | EUR/USD | 2026/4/30 | 1.166 | 1.1925/1.1395 | 437,448,000 |
| 58 | GRSDRDZ260885 | CNY | FR007 | 2026/4/30 | -- | -- | 36,876,000 |
| 59 | GRSDRDZ261119 | CNY | FR007 | 2026/4/30 | -- | -- | 1,577,777,000 |
| 60 | GRSDRDZ261120 | CNY | FR007 | 2026/4/30 | -- | -- | 7,494,478,000 |
| 61 | GRSDRDZ261177 | CNY | FR007 | 2026/4/30 | -- | -- | 50,000,000 |
| 62 | GRSDRDZ261211 | CNY | FR007 | 2026/4/30 | -- | -- | 143,625,000 |
| 63 | GRSDRDZ261212 | CNY | FR007 | 2026/4/30 | -- | -- | 175,887,000 |
| 64 | GRSDRDZ261213 | CNY | EUR/USD | 2026/4/30 | 1.166 | 1.1915/1.1405 | 50,627,000 |
| 65 | GRSDRDZ261214 | CNY | USD/JPY | 2026/4/30 | 160.61 | 162.38/158.84 | 118,649,000 |
| 66 | GRSDRDZ261219 | CNY | AUD/USD | 2026/4/30 | 0.7114 | 0.7202/0.7026 | 161,588,000 |
| 67 | GRSDRDZ261220 | CNY | FR007 | 2026/4/30 | -- | -- | 64,220,000 |
| 68 | GRSDRDZ261221 | CNY | FR007 | 2026/4/30 | -- | -- | 696,523,000 |
| 69 | GRSDRDZ261227 | CNY | FR007 | 2026/4/30 | -- | -- | 154,164,000 |
| 70 | GRSDRDZ261233 | CNY | FR007 | 2026/4/30 | -- | -- | 123,743,000 |
| 71 | GRSDRDZ261234 | CNY | FR007 | 2026/4/30 | -- | -- | 130,037,000 |
| 72 | GRSDRDZ261239 | CNY | EUR/USD | 2026/4/30 | 1.166 | 1.1910/1.1410 | 212,050,000 |
| 73 | GRSDRDZ261240 | CNY | EUR/USD | 2026/4/30 | 1.166 | 1.1970/1.1350 | 165,850,000 |
| 74 | GRSDRDZ261241 | CNY | AUD/USD | 2026/4/30 | 0.7114 | 0.7157 | 27,040,000 |
| 75 | GRSDRDZ261246 | CNY | XAU/USD | 2026/4/30 | 4,564.36 | 4787.16 | 65,000,000 |
| 76 | GRSDRDZ261247 | CNY | AUD/USD | 2026/4/30 | 0.7114 | 0.7179 | 46,962,000 |
| 77 | GRSDRDZ261248 | CNY | FR007 | 2026/4/30 | -- | -- | 937,100,000 |
| 78 | GRSDRDZ261249 | CNY | AUD/USD | 2026/4/30 | 0.7114 | 0.7147 | 48,468,000 |
| 79 | GRSDRDZ261250 | CNY | FR007 | 2026/4/30 | -- | -- | 150,532,000 |
| 80 | GRSDRDZ261251 | CNY | USD/CAD | 2026/4/30 | 1.3687 | 1.3614 | 42,192,000 |
| 81 | GRSDRDZ261252 | CNY | FR007 | 2026/4/30 | -- | -- | 245,574,000 |
| 82 | GRSDRDZ261253 | CNY | EUR/USD | 2026/4/30 | 1.166 | 1.1925/1.1395 | 104,731,000 |
| 83 | GRSDRDZ261254 | CNY | XAU/USD | 2026/4/30 | 4,564.36 | 4564.36/4792.58 | 143,612,000 |
| 84 | GRSDRDZ261255 | CNY | GBP/USD | 2026/4/30 | 1.3461 | 1.3966/1.2956 | 72,383,000 |
| 85 | GRSDRDZ261260 | CNY | FR007 | 2026/4/30 | -- | -- | 52,753,000 |
| 86 | GRSDRDZ261261 | CNY | FR007 | 2026/4/30 | -- | -- | 40,733,000 |
| 87 | GRSDRDZ261268 | CNY | USD/CAD | 2026/4/30 | 1.3687 | 1.2982 | 36,836,000 |
| 88 | GRSDRDZ261269 | CNY | XAU/USD | 2026/4/30 | 4,564.36 | 5039.91 | 36,745,000 |
| 89 | GRSDRDZ261270 | CNY | FR007 | 2026/4/30 | -- | -- | 114,730,000 |
| 90 | GRSDRDZ261271 | CNY | FR007 | 2026/4/30 | -- | -- | 300,000,000 |
| 91 | GRSDUDZ26015 | USD | EUR/USD | 2026/4/30 | 1.166 | 1.2732 | 880,500 |
2. 按照产品说明书约定，现将2026年4月27日至2026年5月5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 | GRSDRDZ260181 | CNY | USD/CAD | 2026/1/28 | 2026/4/27 | 1.35% |
| 2 | GRSDR250555 | CNY | AUD/USD | 2025/10/29 | 2026/4/28 | 1.23% |
| 3 | GRSDR250559 | CNY | AUD/USD | 2025/10/28 | 2026/4/28 | 0.93% |
| 4 | GRSDR260042 | CNY | AUD/USD | 2026/1/23 | 2026/4/28 | 0.98% |
| 5 | GRSDRDZ250833 | CNY | EUR/USD | 2025/4/28 | 2026/4/28 | 2.30% |
| 6 | GRSDRDZ250834 | CNY | AUD/USD | 2025/4/28 | 2026/4/28 | 2.30% |
| 7 | GRSDRDZ251864 | CNY | FR007 | 2025/10/27 | 2026/4/28 | 2.38% |
| 8 | GRSDRDZ251940 | CNY | FR007 | 2025/11/10 | 2026/4/28 | 2.06% |
| 9 | GRSDRDZ260008 | CNY | AUD/USD | 2026/1/23 | 2026/4/28 | 1.10% |
| 10 | GRSDRDZ260011 | CNY | USD/CAD | 2026/1/23 | 2026/4/28 | 1.89% |
| 11 | GRSDRDZ260180 | CNY | USD/CAD | 2026/1/23 | 2026/4/28 | 1.98% |
| 12 | GRSDRDZ260425 | CNY | FR007 | 2026/2/13 | 2026/4/28 | 1.82% |
| 13 | GRSDRDZ260525 | CNY | FR007 | 2026/2/27 | 2026/4/28 | 1.73% |
| 14 | GRSDRDZ260780 | CNY | FR007 | 2026/3/30 | 2026/4/28 | 1.82% |
| 15 | GRSDRDZ260796 | CNY | FR007 | 2026/4/1 | 2026/4/28 | 1.56% |
| 16 | GRSDRDZ260995 | CNY | AUD/USD | 2026/4/13 | 2026/4/28 | 1.95% |
| 17 | GRSDRDZ260996 | CNY | USD/CAD | 2026/4/13 | 2026/4/28 | 0.50% |
| 18 | GRSDRDZ261006 | CNY | AUD/USD | 2026/4/13 | 2026/4/28 | 1.95% |
| 19 | GRSDRDZ261007 | CNY | USD/CAD | 2026/4/13 | 2026/4/28 | 0.60% |
| 20 | GRSDRDZ261031 | CNY | FR007 | 2026/4/13 | 2026/4/28 | 1.55% |
| 21 | GRSD2WG163_51 | CNY | USD/CAD | 2026/4/16 | 2026/4/29 | 0.50% |
| 22 | GRSD2WG172_35 | CNY | USD/CAD | 2026/4/17 | 2026/4/29 | 0.60% |
| 23 | GRSD7G146_114 | CNY | FR007 | 2026/4/22 | 2026/4/29 | 1.61% |
| 24 | GRSD7G182_40 | CNY | FR007 | 2026/4/22 | 2026/4/29 | 1.72% |
| 25 | GRSD7G187_27 | CNY | FR007 | 2026/4/22 | 2026/4/29 | 1.37% |
| 26 | GRSDR250556 | CNY | USD/JPY | 2025/10/27 | 2026/4/30 | 1.75% |
| 27 | GRSDR260070 | CNY | XAU/USD | 2026/1/29 | 2026/4/30 | 0.20% |
| 28 | GRSDR260144 | CNY | GBP/USD | 2026/4/3 | 2026/4/30 | 0.60% |
| 29 | GRSDR260145 | CNY | AUD/USD | 2026/4/3 | 2026/4/30 | 1.60% |
| 30 | GRSDR260189 | CNY | GBP/USD | 2026/4/1 | 2026/4/30 | 0.05% |
| 31 | GRSDR260195 | CNY | GBP/USD | 2026/4/3 | 2026/4/30 | 0.05% |
| 32 | GRSDR260196 | CNY | AUD/USD | 2026/4/3 | 2026/4/30 | 3.00% |
| 33 | GRSDR260224 | CNY | AUD/USD | 2026/4/10 | 2026/4/30 | 3.00% |
| 34 | GRSDR260225 | CNY | USD/CAD | 2026/4/10 | 2026/4/30 | 0.05% |
| 35 | GRSDR260272 | CNY | AUD/USD | 2026/4/10 | 2026/4/30 | 1.60% |
| 36 | GRSDR260273 | CNY | USD/CAD | 2026/4/10 | 2026/4/30 | 0.60% |
| 37 | GRSDRDZ251723 | CNY | FR007 | 2025/10/9 | 2026/4/30 | 2.02% |
| 38 | GRSDRDZ251771 | CNY | AUD/USD | 2025/10/27 | 2026/4/30 | 1.13% |
| 39 | GRSDRDZ251778 | CNY | EUR/USD | 2025/10/27 | 2026/4/30 | 1.25% |
| 40 | GRSDRDZ251819 | CNY | FR007 | 2025/10/24 | 2026/4/30 | 1.85% |
| 41 | GRSDRDZ251821 | CNY | AUD/USD | 2025/10/27 | 2026/4/30 | 1.37% |
| 42 | GRSDRDZ251843 | CNY | AUD/USD | 2025/10/27 | 2026/4/30 | 1.20% |
| 43 | GRSDRDZ260152 | CNY | EUR/USD | 2026/1/30 | 2026/4/30 | 2.00% |
| 44 | GRSDRDZ260183 | CNY | AUD/USD | 2026/1/22 | 2026/4/30 | 1.22% |
| 45 | GRSDRDZ260245 | CNY | FR007 | 2026/1/30 | 2026/4/30 | 1.89% |
| 46 | GRSDRDZ260281 | CNY | FR007 | 2026/1/30 | 2026/4/30 | 1.61% |
| 47 | GRSDRDZ260287 | CNY | FR007 | 2026/1/30 | 2026/4/30 | 1.80% |
| 48 | GRSDRDZ260558 | CNY | FR007 | 2026/4/2 | 2026/4/30 | 1.60% |
| 49 | GRSDRDZ260572 | CNY | FR007 | 2026/4/1 | 2026/4/30 | 1.01% |
| 50 | GRSDRDZ260573 | CNY | FR007 | 2026/4/3 | 2026/4/30 | 1.33% |
| 51 | GRSDRDZ260617 | CNY | XAU/USD | 2026/3/9 | 2026/4/30 | 0.60% |
| 52 | GRSDRDZ260668 | CNY | AUD/USD | 2026/3/12 | 2026/4/30 | 1.85% |
| 53 | GRSDRDZ260861 | CNY | FR007 | 2026/4/10 | 2026/4/30 | 1.60% |
| 54 | GRSDRDZ260866 | CNY | FR007 | 2026/4/17 | 2026/4/30 | 1.57% |
| 55 | GRSDRDZ261071 | CNY | FR007 | 2026/4/17 | 2026/4/30 | 1.57% |
| 56 | GRSDUDZ25074 | USD | EUR/USD | 2025/4/30 | 2026/4/30 | 2.65% |
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5月6日