Structural deposit


Structural Foreign Exchange Savings refers to a savings product based on ordinary time deposits, which is expected to get the chance to increase savings earning or to reach the goal for hedging via the change of market indexes such interest rate, exchange rate, commodity, stock and index, or by binding to the credit standing of a certain economic entity. Our bank can elaborately work out a series of customized solutions according to the requirements of the investor for the product type, term and earning rate coupled with his/her own conditions, thus fulfilling the goal for the hedging of his/her capital.


1.It is possible to provide a return higher than the general earning level on the market; 2.It can be customized according to different needs of the depositor; it satisfies the wishes of the depositor for the term, earning and risk to the maximum extent; 3.It provides the depositor with the chance to invest in the international financial market; 4.Provide an ideal tool of risk hedging for the hedging party; 5.Through reasonable design, it can lower risks, and reach the goals for keeping the principal safe and ensuring a certain earning rate.

Trade Price

The actual trade price in this business is determined according to the instant actual trade price.


Credit Bound Savings refers to that the savings return is bound to a certain credit entity; if within the savings term such a credit incident as bankruptcy, breach of debt contract or regrouping occurs to this credit entity, the savings earning will be affected, and usually the principal will suffer large losses as well. However, since the chance for some credit entities to have a credit incident is very slim, the principal and earning of the savings can be assured basically, and the earning is higher than the earning of ordinary savings and bonds.

1.HKD Credit Bound Savings with a 1 Year Term

Term: 1 years
Interest rate: 2.5% (the interest rate of large amount HKD savings with the same term is 1.3014%)
Credit entity: the Chinese government

2.HKD Credit Bound Savings with a 6-Month Term

Term: 6 months
Interest rate: 2% (the interest rate of large amount HKD savings with the same term is 0.9307%)
Credit entity: the Chinese government

Conditions for application

Any organization, financial institution, enterprise, institution or individual can turn its savings into structural savings after it has opened an account at CGB, as long as it has legally registered at State Commercial and Industrial Administration and has a fund sourced legally.

Application procedure

1.The customer determines a structural savings program, and submits the Structural Savings Application Form to CGB; the bank may ask the customer to make a deposit margin of a certain amount as required; 2.The bank inquires quotations and seeks for the chance to make a deal according to the customer’s application; 3.After the deal is made, the bank issues a letter of trade conformation to the customer, and the customer signs a savings agreement with the bank; 4.On the transaction date, the customer deposits the trade fun into the bank; 5.The bank pays the customer the interest on every interest payment date; 6.On the due date (or the early payback date), the bank pays the customer the principal and all the payable interests unpaid.

Kind Reminders

If the customer has deposited the savings principal into the bank when he/she submits the Structural Savings Application Form to the bank, he/she is not required to make a deposit margin. If the customer does not deposit the fund into the bank when submitting the application form, the customer needs to pay the deposit margins of a certain amount. This is because structural savings is actually an interest rate or exchange rate related financial instrument (such as option or exchange), its value may vary before the transaction date, the bank may ask the customer to pay the deposit margins of a certain amount between the savings application submission date and the transaction date in order to prevent the unfavorable change of the value of the financial instrument therein. Since the risks of different financial instrument vary a lot, the bank will establish the deposit margin requirement respectively according to such factors as specific structural savings clauses and the customer’s credit record; the percentage of the deposit margin is usually 3% to 15% of the savings principal. If the customer breaches the contract, the bank will deduct the customer’s deposit margin as stipulated, so as to make up the bank’s losses and related charges.