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2023年5月單位結(jié)構(gòu)性存款產(chǎn)品賬單

發(fā)布時(shí)間：2023-05-15

尊敬的客戶：

　　以下是我行單位結(jié)構(gòu)性存款產(chǎn)品2023年5月產(chǎn)品賬單。其中，“賬單日產(chǎn)品預(yù)期年化收益率”，是我行根據(jù)本期賬單測(cè)算日該期結(jié)構(gòu)性存款產(chǎn)品掛鉤標(biāo)的的市場(chǎng)變化情況測(cè)算，僅作參考，不代表本期產(chǎn)品實(shí)際到期收益情況。“掛鉤標(biāo)的市場(chǎng)觀察水平”，在該結(jié)構(gòu)性存款所掛鉤的衍生產(chǎn)品到期前，為賬單公布日上一日掛鉤標(biāo)的市場(chǎng)觀察水平；在衍生產(chǎn)品到期后，為產(chǎn)品觀察日掛鉤標(biāo)的市場(chǎng)觀察水平。如有任何問題，歡迎撥打我行客戶服務(wù)電話或聯(lián)系我行網(wǎng)點(diǎn)工作人員。感謝您一直以來對(duì)威海市商業(yè)銀行的支持！

2023年5月單位結(jié)構(gòu)性存款產(chǎn)品賬單
賬單日：2023-5-15
序號(hào)	業(yè)務(wù)編號(hào)	產(chǎn)品編號(hào)	起始日	到期日	期限	幣種	預(yù)期收益率	金額（萬元）	其中用于衍生品投資（萬元）	掛鉤標(biāo)的	產(chǎn)品觀察日	起息日掛鉤標(biāo)的市場(chǎng)水平	掛鉤標(biāo)的市場(chǎng)觀察水平	衍生品公允價(jià)值（元）	賬單日產(chǎn)品預(yù)期年化收益率%
1	WJ20220520001	WKGJ2022077-365D	2022/5/24	2023/5/24	365	人民幣	1.5%/2.55%/2.9%	5000	65.00	EUR/USD	2023/4/17	1.06680	1.09905	-	2.55
2	WJ20220525006	WKGJ2022083-365D	2022/5/27	2023/5/27	365	人民幣	1.65%/3.7%/4.15%	20000	480.00	EUR/USD	2023/4/17	1.07630	1.09905	-	3.7
3	WJ20220526001	WKGJ2022077-365D	2022/5/28	2023/5/28	365	人民幣	1.5%/2.55%/2.9%	5000	65.00	EUR/USD	2023/4/21	1.07475	1.09600	-	2.55
4	WJ20220527001	WKGJ2022088-365D	2022/5/28	2023/5/28	365	人民幣	1.75%/3.2%/3.55%	7500	127.50	EUR/USD	2023/4/21	1.07475	1.09600	-	3.2
5	WJ20220514001	WKGJ2022081-365D	2022/5/28	2023/5/28	365	人民幣	1.75%/3.4%/3.75%	5000	95.00	EUR/USD	2023/4/21	1.07475	1.09600	-	3.4
6	WJ20220530004	WKGJ2022087-365D	2022/5/31	2023/5/31	365	人民幣	1.5%/2.55%/2.9%	2000	26.00	EUR/USD	2023/4/24	1.07495	1.09775	-	2.55
7	WJ20220606002	WKGJ2022086-365D	2022/6/9	2023/6/9	365	人民幣	1.5%/2.55%/2.9%	5000	65.00	EUR/USD	2023/4/26	1.07120	1.09885	-	2.55
8	WJ20220610004	WKGJ2022081-365D	2022/6/11	2023/6/11	365	人民幣	1.75%/3.4%/3.75%	20000	380.00	EUR/USD	2023/5/9	1.04815	1.09935	-	3.4
9	WJ20220616002	WKGJ2022104-365D	2022/6/25	2023/6/25	365	人民幣	1.75%/3.2%/3.55%	10000	170.00	EUR/USD	2023/5/16	1.05620	1.08635	1,495,572.16	3.25
10	WJ20220620005	WKGJ2022081-365D	2022/6/25	2023/6/25	365	人民幣	1.75%/3.4%/3.75%	10000	190.00	EUR/USD	2023/5/16	1.05620	1.08635	1,701,858.03	3.45
11	WJ20220701018	WKGJ2022081-365D	2022/7/2	2023/7/2	365	人民幣	1.75%/3.4%/3.75%	30000	570.00	EUR/USD	2023/5/16	1.04345	1.08635	5,105,574.02	3.45
12	WJ20220706004	WKGJ2022081-365D	2022/7/7	2023/7/7	365	人民幣	1.75%/3.4%/3.75%	30000	555.00	EUR/USD	2023/5/16	1.01765	1.08635	5,105,574.02	3.45
13	WJ20220707001	WKGJ2022081-365D	2022/7/9	2023/7/9	365	人民幣	1.75%/3.4%/3.75%	30000	555.00	EUR/USD	2023/5/16	1.01395	1.08635	5,105,574.02	3.45
14	WJ20220712003	WKGJ2022081-365D	2022/7/14	2023/7/14	365	人民幣	1.75%/3.4%/3.75%	10000	185.00	EUR/USD	2023/6/13	1.00330	1.08635	1,691,658.05	3.44
15	WJ20220714007	WKGJ2022081-365D	2022/7/16	2023/7/16	365	人民幣	1.75%/3.4%/3.75%	10000	185.00	EUR/USD	2023/5/16	1.01085	1.08635	1,698,550.87	3.45
16	WJ20220715002	WKGJ2022114-365D	2022/7/16	2023/7/16	365	人民幣	1.75%/3.4%/3.75%	1500	27.75	EUR/USD	2023/5/16	1.01085	1.08635	254,782.65	3.45
17	WJ20220719003	WKGJ2022120-365D	2022/7/20	2023/7/20	365	人民幣	1.75%/3.2%/3.55%	10000	165.00	EUR/USD	2023/6/13	1.01935	1.08635	1,486,604.22	3.24
18	WJ20220722001	WKGJ2022120-365D	2022/7/23	2023/7/23	365	人民幣	1.75%/3.2%/3.55%	3000	49.50	EUR/USD	2023/6/13	1.01995	1.08635	440,014.59	3.22
19	WJ20220721001	WKGJ2022114-365D	2022/7/30	2023/7/30	365	人民幣	1.75%/3.4%/3.75%	27000	499.50	EUR/USD	2023/6/21	1.02330	1.08635	4,506,359.25	3.42
20	WJ20220728002	WKGJ2022120-365D	2022/7/30	2023/7/30	365	人民幣	1.75%/3.2%/3.55%	5000	82.50	EUR/USD	2023/6/21	1.02330	1.08635	733,358.24	3.22
21	WJ20220804001	WKGJ2022114-365D	2022/8/6	2023/8/6	365	人民幣	1.75%/3.4%/3.75%	10000	185.00	EUR/USD	2023/6/26	1.01750	1.08635	1,689,304.44	3.44
22	WJ20220815001	WKGJ2022114-365D	2022/8/16	2023/8/16	365	人民幣	1.75%/3.4%/3.75%	1200	22.20	EUR/USD	2023/6/26	1.01715	1.08635	195,476.53	3.38
23	WJ20220819003	WKGJ2022141-365D	2022/8/20	2023/8/20	365	人民幣	1.75%/3.2%/3.55%	4500	74.25	EUR/USD	2023/7/18	1.00285	1.08635	644,542.37	3.18
24	WJ20220830002	WKGJ2022141-365D	2022/8/31	2023/8/31	365	人民幣	1.75%/3.2%/3.55%	2000	33.00	EUR/USD	2023/7/18	1.00240	1.08635	286,455.67	3.18
25	WJ20220901002	WKGJ2022164-365D	2022/9/3	2023/9/3	365	人民幣	1.75%/3.1%/3.45%	5000	77.50	EUR/USD	2023/7/26	0.99195	1.08635	672,402.33	3.09
26	WJ20220921004	WKGJ2022177-364D	2022/9/24	2023/9/23	364	人民幣	1.75%/3.3%/3.65%	30000	523.56	EUR/USD	2023/8/22	0.96520	1.08635	4,605,662.93	3.29
27	WJ20220922007	WKGJ2022178-365D	2022/9/24	2023/9/24	365	人民幣	2%/2.95%/3.3%	10000	115.00	EUR/USD	2023/8/22	0.96520	1.08635	961,371.82	2.96
28	WJ20220921006	WKGJ2022167-365D	2022/9/27	2023/9/27	365	人民幣	1.75%/3.2%/3.55%	10000	165.00	1Y LPR	2023/8/22	3.65%	3.65%	725,000.00	2.48
29	WJ20220929005	WKGJ2022186-365D	2022/10/1	2023/10/1	365	人民幣	1.65%/3.65%/4.1%	1000	22.00	1Y LPR	2023/8/22	3.65%	3.65%	100,000.00	2.65
30	WJ20220929008	WKGJ2022186-365D	2022/10/1	2023/10/1	365	人民幣	1.65%/3.65%/4.1%	15000	330.00	1Y LPR	2023/8/22	3.65%	3.65%	1,500,000.00	2.65
31	WJ20221027001	WKGJ2022190-365D	2022/10/29	2023/10/29	365	人民幣	1.2%/3.5%/3.85%	1000	25.00	1Y LPR	2023/9/12	3.65%	3.65%	123,846.15	2.44
32	WJ20221028006	WKGJ2022190-365D	2022/10/31	2023/10/31	365	人民幣	1.2%/3.5%/3.85%	10000	250.00	1Y LPR	2023/9/12	3.65%	3.65%	1,238,461.54	2.44
33	WJ20221028003	WKGJ2022195-365D	2022/11/1	2023/11/1	365	人民幣	1.3%/3.05%/3.4%	10000	195.00	1Y LPR	2023/9/12	3.65%	3.65%	942,307.69	2.24
34	WJ20221103002	WKGJ2022211-365D	2022/11/5	2023/11/5	365	人民幣	1.1%/2.5%/2.85%	3000	48.00	1Y LPR	2023/9/26	3.65%	3.65%	226,153.85	1.85
35	WJ20221109001	WKGJ2022215-365D	2022/11/10	2023/11/10	365	人民幣	1.1%/2.6%/2.95%	10000	170.00	EUR/USD	2023/9/26	1.01675	1.08635	1,447,993.18	2.55
36	WJ20221111002	WKGJ2022219-365D	2022/11/12	2023/11/12	365	人民幣	1.1%/2.4%/2.75%	4000	60.00	EUR/USD	2023/9/26	1.03275	1.08635	501,095.23	2.35
37	WJ20221124007	WKGJ2022211-365D	2022/11/25	2023/11/25	365	人民幣	1.1%/2.5%/2.85%	5000	80.00	EUR/USD	2023/10/11	1.03475	1.08635	686,345.33	2.47
38	WJ20221124004	WKGJ2022217-365D	2022/11/26	2023/11/26	365	人民幣	1.2%/3%/3.35%	20000	400.00	EUR/USD	2023/10/11	1.03475	1.08635	3,525,646.88	2.96
39	WJ20221125001	WKGJ2022211-365D	2022/11/26	2023/11/26	365	人民幣	1.1%/2.5%/2.85%	3000	48.00	EUR/USD	2023/10/11	1.03475	1.08635	411,799.45	2.47
40	WJ20221128002	WKGJ2022227-180D	2022/11/30	2023/5/29	180	人民幣	1.15%/3.15%/3.5%	30000	325.48	EUR/USD	2023/4/21	1.04270	1.09600	-	3.15
41	WJ20221201002	WKGJ2022234-365D	2022/12/3	2023/12/3	365	人民幣	1.1%/2.5%/2.85%	3000	49.50	EUR/USD	2023/10/18	1.05690	1.08635	410,597.02	2.47
42	WJ20221202001	WKGJ2022232-180D	2022/12/6	2023/6/4	180	人民幣	1.15%/3.34%/3.69%	2000	23.57	EUR/USD	2023/4/24	1.04725	1.09775	-	3.34
43	WJ20221205003	WKGJ2022234-365D	2022/12/7	2023/12/7	365	人民幣	1.1%/2.5%/2.85%	5000	82.50	EUR/USD	2023/10/18	1.05010	1.08635	688,009.95	2.48
44	WJ20221206003	WKGJ2022238-180D	2022/12/8	2023/6/6	180	人民幣	1.15%/3.25%/3.6%	10000	115.89	EUR/USD	2023/4/24	1.05780	1.09775	-	3.25
45	WJ20221208002	WKGJ2022217-365D	2022/12/10	2023/12/10	365	人民幣	1.2%/3%/3.35%	2500	50.00	EUR/USD	2023/10/26	1.05115	1.08635	438,494.17	2.95
46	WJ20221208004	WKGJ2022240-365D	2022/12/10	2023/12/10	365	人民幣	1.2%/2.95%/3.3%	1200	23.40	EUR/USD	2023/10/26	1.05115	1.08635	204,718.54	2.91
47	WJ20221208006	WKGJ2022241-365D	2022/12/10	2023/12/10	365	人民幣	1.2%/3%/3.35%	10000	200.00	EUR/USD	2023/10/26	1.05115	1.08635	1,753,827.75	2.95
48	WJ20221208007	WKGJ2022241-365D	2022/12/10	2023/12/10	365	人民幣	1.2%/3%/3.35%	8000	160.00	EUR/USD	2023/10/26	1.05115	1.08635	1,403,181.30	2.95
49	WJ20221209005	WKGJ2022243-730D	2022/12/10	2024/12/9	730	人民幣	2%/3.6%/3.95%	30000	1110.00	EUR/USD	2023/12/4	1.05115	1.08635	9,462,568.92	3.58
50	WJ20221212007	WKGJ2022220-365D	2022/12/14	2023/12/14	365	人民幣	1.2%/2.7%/3.05%	5000	85.00	EUR/USD	2023/10/26	1.06625	1.08635	748,359.37	2.7
51	WJ20221212003	WKGJ2022234-365D	2022/12/15	2023/12/15	365	人民幣	1.1%/2.5%/2.85%	2000	33.00	EUR/USD	2023/10/26	1.06415	1.08635	280,631.42	2.5
52	WJ20221209004	WKGJ2022242-365D	2022/12/16	2023/12/16	365	人民幣	1.1%/2.4%/2.75%	10000	150.00	EUR/USD	2023/11/2	1.06050	1.08635	1,307,556.08	2.41
53	WJ20221215003	WKGJ2022241-365D	2022/12/17	2023/12/17	365	人民幣	1.2%/3%/3.35%	2500	50.00	EUR/USD	2023/11/2	1.06050	1.08635	458,996.48	3.04
54	WJ20221214006	WKGJ2022246-180D	2022/12/17	2023/6/15	180	人民幣	1.4%/3.25%/3.6%	20000	207.12	EUR/USD	2023/4/26	1.06050	1.09885	-	3.25
55	WJ20221215005	WKGJ2022220-365D	2022/12/17	2023/12/17	365	人民幣	1.2%/2.7%/3.05%	5000	85.00	EUR/USD	2023/11/2	1.06050	1.08635	752,421.50	2.7
56	WJ20221215007	WKGJ2022238-180D	2022/12/20	2023/6/18	180	人民幣	1.15%/3.25%/3.6%	2000	23.18	EUR/USD	2023/5/9	1.06185	1.09935	-	3.25
57	WJ20221219002	WKGJ2022241-365D	2022/12/21	2023/12/21	365	人民幣	1.2%/3%/3.35%	3000	61.50	EUR/USD	2023/11/2	1.06295	1.08635	538,478.57	2.99
58	WJ20221221002	WKGJ2022238-180D	2022/12/23	2023/6/21	180	人民幣	1.15%/3.25%/3.6%	1500	17.38	EUR/USD	2023/5/11	1.06515	1.09785	-	3.25
59	WJ20221222002	WKGJ2022234-365D	2022/12/24	2023/12/24	365	人民幣	1.1%/2.5%/2.85%	2500	41.25	EUR/USD	2023/11/10	1.06515	1.08635	357,315.95	2.53
60	WJ20221223004	WKGJ2022247-180D	2022/12/27	2023/6/25	180	人民幣	1.15%/2.8%/3.15%	7000	65.59	EUR/USD	2023/5/11	1.06415	1.09785	-	2.8
61	WJ20221226003	WKGJ2022253-180D	2022/12/28	2023/6/26	180	人民幣	1.15%/3.2%/3.55%	10000	113.42	EUR/USD	2023/5/16	1.06295	1.08635	1,043,162.15	3.27
62	WJ20230103009	WKGJ2023001-180D	2023/1/5	2023/7/4	180	人民幣	1.15%/3.24%/3.59%	11000	124.22	EUR/USD	2023/6/4	1.05255	1.08635	1,170,678.26	3.31
63	WJ20230105002	WKGJ2023006-180D	2023/1/7	2023/7/6	180	人民幣	1.05%/2.3%/2.65%	1000	7.40	EUR/USD	2023/6/2	1.06675	1.08635	63,496.99	2.34
64	WJ20230107001	WKGJ2023005-180D	2023/1/10	2023/7/9	180	人民幣	1.15%/3.2%/3.55%	4000	45.37	EUR/USD	2023/6/9	1.07305	1.08635	416,049.64	3.26
65	WJ20230109002	WKGJ2023004-180D	2023/1/11	2023/7/10	180	人民幣	1.15%/3.15%/3.5%	30000	332.88	EUR/USD	2023/6/9	1.07665	1.08635	3,043,523.99	3.21
66	WJ20230110009	WKGJ2022247-365D	2023/1/11	2024/1/11	365	人民幣	1.2%/2.85%/3.2%	3000	57.00	EUR/USD	2023/12/4	1.07665	1.08635	482,294.79	2.81
67	WJ20230110010	WKGJ2023009-180D	2023/1/11	2023/7/10	180	人民幣	1.15%/2.7%/3.05%	4500	39.95	EUR/USD	2023/6/9	1.07665	1.08635	353,824.26	2.74
68	WJ20230110006	WKGJ2022248-180D	2023/1/12	2023/7/11	180	人民幣	1.15%/3.26%/3.61%	10000	116.38	EUR/USD	2023/6/9	1.08555	1.08635	1,069,940.21	3.32
69	WJ20230112004	WKGJ2022241-365D	2023/1/14	2024/1/14	365	人民幣	1.2%/3%/3.35%	7000	140.00	EUR/USD	2023/11/10	1.08665	1.08635	1,207,315.19	2.92
70	WJ20230117003	WKGJ2023008-180D	2023/1/18	2023/7/17	180	人民幣	1.05%/2.4%/2.75%	5000	39.45	EUR/USD	2023/6/12	1.07855	1.08635	338,136.86	2.42
71	WJ20230129041	WKGJ2023017-365D	2023/1/31	2024/1/31	365	人民幣	1.2%/3.2%/3.55%	7000	157.50	EUR/USD	2023/11/21	1.08575	1.08635	1,340,235.19	3.11
72	WJ20230130023	WKGJ2023019-365D	2023/1/31	2024/1/31	365	人民幣	1.2%/3%/3.35%	30000	615.00	EUR/USD	2023/11/21	1.08575	1.08635	5,174,460.33	2.92
73	WJ20230130033	WKGJ2023018-180D	2023/2/1	2023/7/31	180	人民幣	1.15%/3.1%/3.45%	5500	59.67	EUR/USD	2023/6/26	1.10135	1.08635	528,298.27	3.1
74	WJ20230131004	WKGJ2023020-164D	2023/2/1	2023/7/15	164	人民幣	1.2%/3.2%/3.55%	10000	101.10	EUR/USD	2023/6/9	1.10135	1.08635	912,471.95	3.23
75	WJ20230201002	WKGJ2022247-180D	2023/2/3	2023/8/2	180	人民幣	1.15%/2.8%/3.15%	1500	14.05	EUR/USD	2023/7/3	1.07855	1.08635	123,433.86	2.82
76	WJ20230203009	WKGJ2022247-180D	2023/2/7	2023/8/6	180	人民幣	1.15%/2.8%/3.15%	1500	14.05	EUR/USD	2023/7/3	1.07270	1.08635	123,912.33	2.83
77	WJ20230205001	WKGJ2023021-180D	2023/2/8	2023/8/7	180	人民幣	1.15%/3.05%/3.4%	20000	212.05	EUR/USD	2023/7/3	1.07245	1.08635	1,901,071.65	3.08
78	WJ20230208001	WKGJ2022247-180D	2023/2/10	2023/8/9	180	人民幣	1.15%/2.8%/3.15%	2000	18.74	EUR/USD	2023/7/12	1.06670	1.08635	165,821.75	2.83
79	WJ20230209012	WKGJ2022247-180D	2023/2/11	2023/8/10	180	人民幣	1.15%/2.8%/3.15%	1500	14.05	EUR/USD	2023/7/12	1.06670	1.08635	124,354.98	2.83
80	WJ20230210001	WKGJ2023023-180D	2023/2/11	2023/8/10	180	人民幣	1.15%/3.3%/3.65%	10000	118.36	EUR/USD	2023/7/12	1.06670	1.08635	1,077,263.87	3.33
81	WJ20230210002	WKGJ2022247-180D	2023/2/14	2023/8/13	180	人民幣	1.15%/2.8%/3.15%	1000	9.37	EUR/USD	2023/7/12	1.07390	1.08635	81,440.15	2.8
82	WJ20230213002	WKGJ2022247-180D	2023/2/15	2023/8/14	180	人民幣	1.15%/2.8%/3.15%	3000	28.11	EUR/USD	2023/7/12	1.07055	1.08635	245,011.41	2.81
83	WJ20230214004	WKGJ2023030-365D	2023/2/15	2024/2/15	365	人民幣	1.3%/2.95%/3.3%	5000	95.00	EUR/USD	2023/12/4	1.07055	1.08635	794,236.31	2.89
84	WJ20230214002	WKGJ2023030-365D	2023/2/15	2024/2/15	365	人民幣	1.3%/2.95%/3.3%	5000	95.00	EUR/USD	2023/12/4	1.07055	1.08635	794,136.79	2.89
85	WJ20230214003	WKGJ2023004-180D	2023/2/15	2023/8/14	180	人民幣	1.15%/3.15%/3.5%	10000	110.96	EUR/USD	2023/7/18	1.07055	1.08635	992,336.93	3.16
86	WJ20230215010	WKGJ2022247-180D	2023/2/16	2023/8/15	180	人民幣	1.15%/2.8%/3.15%	2000	18.74	EUR/USD	2023/7/18	1.06535	1.08635	164,042.50	2.81
87	WJ20230216001	WKGJ2023031-180D	2023/2/18	2023/8/17	180	人民幣	1.15%/3.3%/3.65%	10000	118.36	EUR/USD	2023/7/18	1.06760	1.08635	1,063,431.44	3.31
88	WJ20230220011	WKGJ2023029-90D	2023/2/22	2023/5/23	90	人民幣	1%/2.75%/3.1%	2000	9.86	EUR/USD	2023/4/21	1.06195	1.09600	-	2.75
89	WJ20230221002	WKGJ2023035-90D	2023/2/22	2023/5/23	90	人民幣	1%/3.2%/3.55%	1500	9.06	EUR/USD	2023/4/24	1.06195	1.09775	-	3.2
90	WJ20230223004	WKGJ2023036-365D	2023/2/25	2024/2/25	365	人民幣	1.2%/3%/3.35%	5000	102.50	EUR/USD	2023/12/12	1.05590	1.08635	879,607.44	2.96
91	WJ20230227008	WKGJ2023030-180D	2023/2/28	2023/8/27	180	人民幣	1.25%/2.9%/3.25%	5000	46.85	EUR/USD	2023/7/26	1.05845	1.08635	412,096.09	2.92
92	WJ20230227009	WKGJ2023037-365D	2023/2/28	2024/2/28	365	人民幣	1.2%/3.3%/3.65%	3000	70.50	EUR/USD	2023/12/14	1.05845	1.08635	622,069.41	3.27
93	WJ20230227002	WKGJ2023025-90D	2023/3/1	2023/5/30	90	人民幣	1%/2.85%/3.2%	2000	10.36	EUR/USD	2023/4/26	1.06515	1.09885	-	2.85
94	WJ20230227005	WKGJ2023032-270D	2023/3/1	2023/11/26	270	人民幣	1.15%/3.65%/4%	20000	406.85	EUR/USD	2023/10/26	1.06515	1.08635	3,645,938.71	3.61
95	WJ20230228002	WKGJ2023029-90D	2023/3/2	2023/5/31	90	人民幣	1%/2.75%/3.1%	3000	14.79	EUR/USD	2023/5/4	1.06080	1.10840	-	2.75
96	WJ20230303004	WKGJ2023029-180D	2023/3/4	2023/8/31	180	人民幣	1.15%/2.8%/3.15%	1000	9.37	EUR/USD	2023/8/4	1.06365	1.08635	82,957.91	2.83
97	WJ20230306005	WKGJ2023041-90D	2023/3/8	2023/6/6	90	人民幣	1%/3.2%/3.55%	1200	7.25	EUR/USD	2023/5/4	1.05410	1.10840	-	3.55
98	WJ20230306003	WKGJ2023036-365D	2023/3/8	2024/3/7	365	人民幣	1.2%/3%/3.35%	2000	41.00	EUR/USD	2023/12/14	1.05410	1.08635	360,083.39	3
99	WJ20230306008	WKGJ2023041-90D	2023/3/8	2023/6/6	90	人民幣	1%/3.2%/3.55%	1000	6.04	EUR/USD	2023/5/4	1.05410	1.10840	-	3.55
100	WJ20230307002	WKGJ2023029-365D	2023/3/8	2024/3/7	365	人民幣	1.2%/2.85%/3.2%	4000	76.00	EUR/USD	2023/12/18	1.05410	1.08635	667,815.20	2.87
101	WJ20230307003	WKGJ2023029-365D	2023/3/8	2024/3/7	365	人民幣	1.2%/2.85%/3.2%	4000	76.00	EUR/USD	2023/12/18	1.05410	1.08635	667,872.12	2.87
102	WJ20230307004	WKGJ2023029-365D	2023/3/8	2024/3/7	365	人民幣	1.2%/2.85%/3.2%	1000	19.00	EUR/USD	2023/12/18	1.05410	1.08635	166,968.02	2.87
103	WJ20230307005	WKGJ2023029-365D	2023/3/8	2024/3/7	365	人民幣	1.2%/2.85%/3.2%	1000	19.00	EUR/USD	2023/12/18	1.05410	1.08635	166,968.02	2.87
104	WJ20230308002	WKGJ2023039-365D	2023/3/10	2024/3/9	365	人民幣	1.2%/3.4%/3.75%	15000	360.00	EUR/USD	2023/12/18	1.06675	1.08635	3,285,740.95	3.39
105	WJ20230308004	WKGJ2023044-90D	2023/3/10	2023/6/8	90	人民幣	1%/3.2%/3.55%	5000	30.21	EUR/USD	2023/5/9	1.06675	1.09935	-	3.2
106	WJ20230315002	WKGJ2023029-180D	2023/3/17	2023/9/13	180	人民幣	1.15%/2.8%/3.15%	1100	10.31	EUR/USD	2023/8/4	1.06745	1.08635	90,418.13	2.82
107	WJ20230317001	WKGJ2023048-150D	2023/3/18	2023/8/15	150	人民幣	1.15%/3.2%/3.55%	10000	94.52	EUR/USD	2023/7/26	1.06745	1.08635	854,362.68	3.23
108	WJ20230317003	WKGJ2023047-180D	2023/3/21	2023/9/17	180	人民幣	1.15%/3.1%/3.45%	10000	108.49	EUR/USD	2023/8/8	1.07725	1.08635	964,650.45	3.11
109	WJ20230322003	WKGJ2023050-180D	2023/3/24	2023/9/20	180	人民幣	1.15%/3.25%/3.6%	2000	23.18	EUR/USD	2023/8/8	1.07625	1.08635	208,541.33	3.26
110	WJ20230323005	WKGJ2023029-180D	2023/3/28	2023/9/24	180	人民幣	1.15%/2.8%/3.15%	5000	48.08	EUR/USD	2023/8/8	1.08450	1.08635	406,855.41	2.8
111	WJ20230324004	WKGJ2023029-180D	2023/3/28	2023/9/24	180	人民幣	1.15%/2.8%/3.15%	10000	96.16	EUR/USD	2023/8/8	1.08450	1.08635	817,729.60	2.81
112	WJ20230324003	WKGJ2023055-180D	2023/3/28	2023/9/24	180	人民幣	1.15%/3.3%/3.65%	10000	120.82	EUR/USD	2023/8/8	1.08450	1.08635	1,062,832.49	3.31
113	WJ20230324001	WKGJ2023050-180D	2023/3/28	2023/9/24	180	人民幣	1.15%/3.25%/3.6%	1000	11.84	EUR/USD	2023/8/8	1.08450	1.08635	103,828.29	3.26
114	WJ20230327001	WKGJ2023029-365D	2023/3/28	2024/3/27	365	人民幣	1.2%/2.85%/3.2%	2500	48.75	EUR/USD	2023/12/21	1.08450	1.08635	398,924.26	2.8
115	WJ20230327006	WKGJ2023051-90D	2023/3/30	2023/6/28	90	人民幣	1%/3.2%/3.55%	3000	18.49	EUR/USD	2023/5/26	1.09100	1.08635	163,796.60	3.21
116	WJ20230329006	WKGJ2023029-365D	2023/3/31	2024/3/30	365	人民幣	1.2%/2.85%/3.2%	2500	48.75	EUR/USD	2023/12/21	1.08085	1.08635	400,007.15	2.8
117	WJ20230329005	WKGJ2023029-90D	2023/3/31	2023/6/29	90	人民幣	1%/2.75%/3.1%	2500	12.64	EUR/USD	2023/5/26	1.08085	1.08635	108,706.82	2.76
118	WJ20230330006	WKGJ2023030-60D	2023/4/1	2023/5/31	60	人民幣	1.1%/2.7%/3.05%	2000	6.25	EUR/USD	2023/5/11	1.08085	1.09785	-	2.7
119	WJ20230331004	WKGJ2023061-60D	2023/4/4	2023/6/3	60	人民幣	1%/3%/3.35%	4000	15.12	EUR/USD	2023/5/16	1.08925	1.08635	132,798.91	3.02
120	WJ20230406003	WKGJ2023069-90D	2023/4/7	2023/7/6	90	人民幣	1%/3.2%/3.55%	3000	18.49	EUR/USD	2023/6/9	1.08995	1.08635	163,744.27	3.21
121	WJ20230406001	WKGJ2023055-180D	2023/4/8	2023/10/5	180	人民幣	1.15%/3.3%/3.65%	5000	60.41	EUR/USD	2023/9/5	1.08995	1.08635	530,649.87	3.3
122	WJ20230404003	WKGJ2023029-90D	2023/4/8	2023/7/7	90	人民幣	1%/2.75%/3.1%	6000	30.33	EUR/USD	2023/6/9	1.08995	1.08635	260,636.42	2.76
123	WJ20230406002	WKGJ2023067-52D	2023/4/8	2023/5/30	52	人民幣	1%/2.95%/3.3%	10000	32.05	EUR/USD	2023/5/8	1.08995	1.10400	-	2.95
124	WJ20230406004	WKGJ2023071-180D	2023/4/8	2023/10/5	180	人民幣	1.15%/3.1%/3.45%	5000	55.48	EUR/USD	2023/8/28	1.08995	1.08635	472,441.75	3.07
125	WJ20230407001	WKGJ2023073-180D	2023/4/8	2023/10/5	180	人民幣	1.15%/3.05%/3.4%	1500	16.27	EUR/USD	2023/8/28	1.08995	1.08635	138,135.89	3.02
126	WJ20230407002	WKGJ2023070-270D	2023/4/11	2024/1/6	270	人民幣	1.15%/3.65%/4%	40000	828.49	EUR/USD	2023/11/21	1.09255	1.08635	7,300,971.52	3.62
127	WJ20230406005	WKGJ2023029-180D	2023/4/12	2023/10/9	180	人民幣	1.15%/2.8%/3.15%	9000	84.33	EUR/USD	2023/9/5	1.09965	1.08635	708,853.80	2.75
128	WJ20230411002	WKGJ2023029-180D	2023/4/13	2023/10/10	180	人民幣	1.15%/2.8%/3.15%	10000	93.70	EUR/USD	2023/9/7	1.10625	1.08635	811,807.88	2.8
129	WJ20230411004	WKGJ2023074-90D	2023/4/13	2023/7/12	90	人民幣	1%/3.2%/3.55%	1000	6.16	EUR/USD	2023/6/9	1.10625	1.08635	54,481.53	3.21
130	WJ20230412002	WKGJ2023072-90D	2023/4/14	2023/7/13	90	人民幣	1%/3.05%/3.4%	5000	28.97	EUR/USD	2023/6/13	1.09715	1.08635	251,179.57	3.04
131	WJ20230412001	WKGJ2023077-365D	2023/4/15	2024/4/14	365	人民幣	1.2%/3.1%/3.45%	8000	176.00	EUR/USD	2023/9/21	1.09715	1.08635	1,413,335.43	2.97
132	WJ20230417001	WKGJ2023076-60D	2023/4/18	2023/6/17	60	人民幣	1%/3.1%/3.45%	1000	3.95	EUR/USD	2023/5/26	1.09700	1.08635	34,353.95	3.09
133	WJ20230418001	WKGJ2023074-90D	2023/4/20	2023/7/19	90	人民幣	1%/3.2%/3.55%	1500	9.25	EUR/USD	2023/6/13	1.09665	1.08635	80,883.49	3.19
134	WJ20230418002	WKGJ2023078-365D	2023/4/20	2024/4/19	365	人民幣	1.2%/3%/3.35%	8000	168.00	EUR/USD	2023/9/21	1.09665	1.08635	1,324,979.25	2.86
135	WJ20230421003	WKGJ2023063-30D	2023/4/25	2023/5/25	30	人民幣	1.1%/2.7%/3.05%	2000	3.12	EUR/USD	2023/5/16	1.09755	1.08635	26,254.56	2.7
136	WJ20230424001	WKGJ2023076-60D	2023/4/25	2023/6/24	60	人民幣	1%/3.1%/3.45%	1000	3.95	EUR/USD	2023/6/12	1.09755	1.08635	33,711.45	3.05
137	WJ20230424007	WKGJ2023079-180D	2023/4/26	2023/10/23	180	人民幣	1.15%/2.8%/3.15%	1400	13.12	EUR/USD	2023/9/7	1.10455	1.08635	111,743.99	2.77
138	WJ20230425002	WKGJ2023079-180D	2023/4/26	2023/10/23	180	人民幣	1.15%/2.8%/3.15%	5000	46.85	EUR/USD	2023/9/7	1.10455	1.08635	399,085.77	2.77
139	WJ20230424005	WKGJ2023082-180D	2023/4/27	2023/10/24	180	人民幣	1.15%/3.25%/3.6%	2000	23.67	EUR/USD	2023/9/7	1.10265	1.08635	202,919.95	3.21
140	WJ20230426001	WKGJ2023083-180D	2023/4/28	2023/10/25	180	人民幣	1.15%/3.6%/3.95%	2000	27.12	EUR/USD	2023/9/21	1.10810	1.08635	235,657.94	3.54
141	WJ20230427003	WKGJ2023080-180D	2023/4/29	2023/10/26	180	人民幣	1.15%/3.3%/3.65%	20000	241.64	EUR/USD	2023/9/13	1.10810	1.08635	1,980,276.76	3.16
142	WJ20230427004	WKGJ2023078-365D	2023/4/29	2024/4/28	365	人民幣	1.2%/3%/3.35%	7000	147.00	EUR/USD	2023/9/26	1.10810	1.08635	1,144,554.12	2.84
143	WJ20230427007	WKGJ2023088-365D	2023/4/29	2024/4/28	365	人民幣	1.2%/3.2%/3.55%	5000	115.00	EUR/USD	2023/9/26	1.10810	1.08635	907,496.57	3.01
144	WJ20230428001	WKGJ2023081-26D	2023/5/5	2023/5/31	26	人民幣	1.1%/3.1%/3.45%	13000	21.30	EUR/USD	2023/5/18	1.10315	1.08635	184,753.67	3.1
145	WJ20230428002	WKGJ2023079-25D	2023/5/5	2023/5/30	25	人民幣	1.1%/2.6%/2.95%	1500	1.80	EUR/USD	2023/5/16	1.10315	1.08635	15,227.07	2.58
146	WJ20230428006	WKGJ2023089-90D	2023/5/5	2023/8/3	90	人民幣	1%/3.1%/3.45%	3000	17.75	EUR/USD	2023/7/12	1.10315	1.08635	153,545.03	3.08
147	WJ20230428005	WKGJ2023092-30D	2023/5/5	2023/6/4	30	人民幣	1.1%/2.7%/3.05%	2000	3.12	EUR/USD	2023/5/26	1.10315	1.08635	25,264.34	2.64
148	WJ20230427006	WKGJ2023087-25D	2023/5/6	2023/5/31	25	人民幣	1.1%/3%/3.35%	3000	4.52	EUR/USD	2023/5/18	1.10315	1.08635	38,945.97	3
149	WJ20230504004	WKGJ2023096-22D	2023/5/6	2023/5/28	22	人民幣	1.1%/2.9%/3.25%	10000	12.66	EUR/USD	2023/5/18	1.10315	1.08635	108,274.35	2.9
150	WJ20230505003	WKGJ2023094-270D	2023/5/6	2024/1/31	270	人民幣	1.15%/3.65%/4%	10000	207.12	EUR/USD	2023/9/21	1.10315	1.08635	1,785,505.64	3.56
151	WJ20230505004	WKGJ2023094-25D	2023/5/6	2023/5/31	25	人民幣	1.1%/3.6%/3.95%	80000	153.42	EUR/USD	2023/5/18	1.10315	1.08635	1,366,513.25	3.59
152	WJ20230505008	WKGJ2023086-7D	2023/5/9	2023/5/16	7	人民幣	0.6%/2.9%/3.25%	10000	4.99	EUR/USD	2023/5/12	1.09715	1.09245	-	2.9
153	WJ20230508002	WKGJ2023095-22D	2023/5/9	2023/5/31	22	人民幣	1.1%/3.1%/3.45%	3000	4.16	EUR/USD	2023/5/18	1.09715	1.08635	36,106.68	3.1
154	WJ20230508003	WKGJ2023093-180D	2023/5/9	2023/11/5	180	人民幣	1.15%/3.1%/3.45%	20000	221.92	EUR/USD	2023/9/21	1.09715	1.08635	1,888,185.40	3.06
155	WJ20230508005	WKGJ2023099-180D	2023/5/9	2023/11/5	180	人民幣	1.15%/2.55%/2.9%	20000	162.74	EUR/USD	2023/9/14	1.09715	1.08635	1,303,523.70	2.47
156	WJ20230508006	WKGJ2023098-21D	2023/5/10	2023/5/31	21	人民幣	1.1%/2.7%/3.05%	1500	1.64	EUR/USD	2023/5/18	1.09850	1.08635	12,978.31	2.6
157	WJ20230506001	WKGJ2023085-365D	2023/5/11	2024/5/10	365	人民幣	1.2%/3.2%/3.55%	3000	69.00	EUR/USD	2024/2/1	1.09235	1.08635	576,793.41	3.12

持倉(cāng)風(fēng)險(xiǎn)

　　風(fēng)險(xiǎn)提示：結(jié)構(gòu)性存款不同于一般性存款，具有投資風(fēng)險(xiǎn)，您應(yīng)當(dāng)充分認(rèn)識(shí)投資風(fēng)險(xiǎn)，謹(jǐn)慎投資。
1.本金及利息風(fēng)險(xiǎn)：威海市商業(yè)銀行僅保障資金本金和基礎(chǔ)收益，您應(yīng)充分認(rèn)識(shí)利息不確定的風(fēng)險(xiǎn)。本產(chǎn)品的收益由基礎(chǔ)收益和浮動(dòng)收益組成，浮動(dòng)收益取決于掛鉤標(biāo)的價(jià)格變化，受市場(chǎng)多種要素的影響。利息不確定的風(fēng)險(xiǎn)由存款人自行承擔(dān)，存款人應(yīng)對(duì)此有充分的認(rèn)識(shí)。如果在存款期內(nèi)，市場(chǎng)利率上升，本產(chǎn)品的利率不隨市場(chǎng)利率上升而提高。

　　2. 期限風(fēng)險(xiǎn)：由于本產(chǎn)品的實(shí)際期限無法事先確定，且威海市商業(yè)銀行有權(quán)單方行使對(duì)產(chǎn)品期限的權(quán)利（包括但不限于提前終止等），一旦威海市商業(yè)銀行選擇了行使產(chǎn)品合同中所訂明的對(duì)產(chǎn)品期限的權(quán)利，則存款人必須遵照履行。

　　3. 市場(chǎng)風(fēng)險(xiǎn)：包括但不限于因國(guó)家法律法規(guī)以及貨幣政策、財(cái)政政策、產(chǎn)業(yè)政策、地區(qū)發(fā)展政策等國(guó)際政策的變化、宏觀周期型經(jīng)濟(jì)運(yùn)行狀況變化、外匯匯率和人民幣購(gòu)買力等變化對(duì)市場(chǎng)產(chǎn)生一定的影響，導(dǎo)致產(chǎn)品收益的波動(dòng)，在一定情況下甚至?xí)?duì)產(chǎn)品的成立與運(yùn)行產(chǎn)生影響。交易期內(nèi)可能存在市場(chǎng)利率上升、但該產(chǎn)品的收益率不隨市場(chǎng)利率上升而提高的情形；受限于投資組合及具體策略的不同，本產(chǎn)品收益變化趨勢(shì)與市場(chǎng)整體發(fā)展趨勢(shì)并不具有必然的一致性。

　　4. 流動(dòng)性風(fēng)險(xiǎn)：客戶在產(chǎn)品合同約定的條款外，不享有提前終止權(quán)，則客戶在產(chǎn)品到期日（威海市商業(yè)銀行依照產(chǎn)品合同的約定提前終止合同的，提前終止日被視為產(chǎn)品到期日）前無法取用存款本金及產(chǎn)品收益。

　　5. 信息傳遞風(fēng)險(xiǎn)：客戶應(yīng)根據(jù)產(chǎn)品合同載明的信息披露方式查詢本產(chǎn)品的相關(guān)信息。如果客戶未及時(shí)查詢，或由于通訊故障、系統(tǒng)故障以及其他不可抗力等因素的影響導(dǎo)致客戶無法及時(shí)了解本產(chǎn)品的信息，并由此影響客戶投資決策，因此而產(chǎn)生的責(zé)任和風(fēng)險(xiǎn)將由客戶自行承擔(dān)。另外，客戶預(yù)留在威海市商業(yè)銀行的有效聯(lián)系方式變更的，應(yīng)及時(shí)通知威海市商業(yè)銀行。如客戶未及時(shí)告知威海市商業(yè)銀行聯(lián)系方式變更或因存款人其他原因，威海市商業(yè)銀行將可能在需要聯(lián)系客戶時(shí)無法及時(shí)取得聯(lián)系，并可能會(huì)由此影響客戶的投資決策，由此而產(chǎn)生的責(zé)任和風(fēng)險(xiǎn)由客戶自行承擔(dān)。

　　6. 不可抗力風(fēng)險(xiǎn)：如果因不可抗力不能履行產(chǎn)品合同時(shí)，可根據(jù)不可抗力的影響部分或全部免除違約責(zé)任。

　　7.信用風(fēng)險(xiǎn)：威海市商業(yè)銀行發(fā)生信用風(fēng)險(xiǎn)如被依法撤銷或被被申請(qǐng)破產(chǎn)等，將對(duì)產(chǎn)品的收益產(chǎn)生影響。

　　8.數(shù)據(jù)來源風(fēng)險(xiǎn)：在本存款收益率的計(jì)算中，需要使用到數(shù)據(jù)提供商提供的掛鉤標(biāo)的的價(jià)格水平。如果屆時(shí)產(chǎn)品說明書中約定的數(shù)據(jù)提供商提供的參照頁面不能給出所需的價(jià)格水平，威海市商業(yè)銀行將本著公平、公正、公允的原則，秉承善意并按照商業(yè)上合理的方式確定所適用的價(jià)格水平進(jìn)行計(jì)算。

風(fēng)險(xiǎn)控制措施

　　本行針對(duì)結(jié)構(gòu)性存款業(yè)務(wù)的風(fēng)險(xiǎn)特征，制定和實(shí)施相應(yīng)的風(fēng)險(xiǎn)管理政策和程序，持續(xù)有效地識(shí)別、計(jì)量、監(jiān)測(cè)和控制結(jié)構(gòu)性存款業(yè)務(wù)面臨的各類風(fēng)險(xiǎn)，并將結(jié)構(gòu)性存款業(yè)務(wù)風(fēng)險(xiǎn)管理納入全面風(fēng)險(xiǎn)管理體系。本行將結(jié)構(gòu)性存款納入表內(nèi)核算，按照存款管理，納入存款準(zhǔn)備金和存款保險(xiǎn)保費(fèi)的繳納范圍，相關(guān)資產(chǎn)按照國(guó)務(wù)院銀行業(yè)監(jiān)督管理機(jī)構(gòu)的相關(guān)規(guī)定計(jì)提資本和撥備。

　　本行具備普通類衍生產(chǎn)品交易業(yè)務(wù)資格，結(jié)構(gòu)性存款掛鉤的衍生產(chǎn)品交易嚴(yán)格遵守《銀行業(yè)金融機(jī)構(gòu)衍生產(chǎn)品交易業(yè)務(wù)管理暫行辦法》、《商業(yè)銀行資本管理辦法（試行）》、《商業(yè)銀行杠桿率管理辦法（修訂）》、《商業(yè)銀行流動(dòng)性風(fēng)險(xiǎn)管理辦法》等國(guó)務(wù)院銀行業(yè)監(jiān)督管理機(jī)構(gòu)關(guān)于衍生產(chǎn)品交易的相關(guān)規(guī)定。

　　本行銷售結(jié)構(gòu)性存款，嚴(yán)格按照中國(guó)銀保監(jiān)會(huì)發(fā)布的《關(guān)于進(jìn)一步規(guī)范商業(yè)銀行結(jié)構(gòu)性存款業(yè)務(wù)的通知》（銀保監(jiān)辦發(fā)〔2019〕204號(hào)）相關(guān)規(guī)定執(zhí)行，充分揭示風(fēng)險(xiǎn)。銷售文本全面、客觀反映結(jié)構(gòu)性存款的重要特性和與產(chǎn)品有關(guān)的重要事實(shí)，向投資者充分揭示風(fēng)險(xiǎn)，確保投資者了解結(jié)構(gòu)性存款的產(chǎn)品性質(zhì)和潛在風(fēng)險(xiǎn)，自主進(jìn)行投資決策。

公司業(yè)務(wù)

2023年5月單位結(jié)構(gòu)性存款產(chǎn)品賬單

持倉(cāng)風(fēng)險(xiǎn)

風(fēng)險(xiǎn)控制措施

總行地址：山東省威海市青島北路137A號(hào)

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