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2023年11月單位結(jié)構(gòu)性存款產(chǎn)品賬單

發(fā)布時(shí)間：2023-11-15

尊敬的客戶：

　　以下是我行單位結(jié)構(gòu)性存款產(chǎn)品2023年11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?！皰煦^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(wèn)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(lái)對(duì)威海市商業(yè)銀行的支持！

2023年11月單位結(jié)構(gòu)性存款產(chǎn)品賬單
賬單日：2023-11-15
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(wàn)元）	其中用于衍生品投資（萬(wàn)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	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	1.05620	1.0601	-	2.5
2	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	1.05620	1.0601	-	3
3	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	1.04345	1.0601	-	2.5
4	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	1.01765	1.0582	-	2.5
5	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	1.01395	1.0582	-	2.5
6	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	1.00330	1.0543	-	3
7	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	1.01085	1.0543	-	2.95
8	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	1.01085	1.0543	-	3
9	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	1.01935	1.0543	-	3
10	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	1.01995	1.08416	9943864.25	3.66
11	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	1.02330	1.0543	-	2.7
12	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	1.02330	1.0543	-	2.5
13	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	1.01750	1.0597	-	2.4
14	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	1.01715	1.0597	-	3
15	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	1.00285	1.0597	-	2.7
16	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	1.00240	1.0597	-	3
17	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	0.99195	1.0669	-	2.5
18	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	0.96520	1.08416	531428.74	2.97
19	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	0.96520	1.0669	-	3
20	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	0.03650	1.08416	1487262.47	3.32
21	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	0.03650	1.08416	5736583.80	3.11
22	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	0.03650	1.08416	864428.84	3.03
23	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	0.03650	1.08416	864428.84	3.03
24	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	0.03650	1.08416	941899.84	3.08
25	WJ20230227009	WKGJ2023037-365D	2023/2/28	2024/2/28	365	人民幣	1.2%/3.3%/3.65%	3000	70.50	EUR/USD	2023/12/12	0.03650	1.08416	658940.39	3.4
26	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	0.03650	1.0543	-	3.65
27	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	1.01675	1.08416	376537.33	3.08
28	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	1.03275	1.08416	690318.53	2.93
29	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	1.03475	1.08416	690318.53	2.93
30	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	1.03475	1.08416	172579.61	2.93
31	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	1.03475	1.08416	172579.61	2.93
32	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	1.05690	1.08416	3451592.49	3.5
33	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	1.05010	1.08416	427238.82	2.91
34	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	1.05115	1.08416	427051.31	2.91
35	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	1.05115	1.08416	7753886.91	3.77
36	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	1.05115	1.0635	-	3.1
37	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	1.05115	1.0635	-	3
38	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	1.05115	1.0587	-	3
39	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	1.06625	1.0587	-	3.2
40	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	1.06415	1.0635	-	3.65
41	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	1.06050	1.08416	609703.73	3.23
42	WJ20230511009	WKGJ2023102-365D	2023/5/16	2024/5/15	365	人民幣	1.2%/3%/3.35%	17000	357.00	EUR/USD	2023/9/26	1.06050	1.0587	-	3
43	WJ20230515001	WKGJ2023101-365D	2023/5/17	2024/5/16	365	人民幣	1.2%/2.95%/3.3%	3000	61.50	EUR/USD	2024/2/1	1.06050	1.08416	517799.17	2.93
44	WJ20230518005	WKGJ2023110-180D	2023/5/20	2023/11/16	180	人民幣	1.15%/2.9%/3.25%	1000	10.11	EUR/USD	2023/10/11	1.06185	1.0601	-	2.9
45	WJ20230524002	WKGJ2023093-180D	2023/5/25	2023/11/21	180	人民幣	1.15%/3.1%/3.45%	20000	221.92	EUR/USD	2023/10/11	1.06295	1.0601	-	3.1
46	WJ20230524003	WKGJ2023114-350D	2023/5/26	2024/5/10	350	人民幣	1.2%/3%/3.35%	3000	60.41	EUR/USD	2024/2/20	1.06515	1.08416	511060.05	2.98
47	WJ20230524004	WKGJ2023114-320D	2023/5/26	2024/4/10	320	人民幣	1.2%/3%/3.35%	1000	18.41	EUR/USD	2024/2/20	1.06515	1.08416	156429.36	2.98
48	WJ20230525001	WKGJ2023109-180D	2023/5/27	2023/11/23	180	人民幣	1.15%/3.45%/3.8%	4913	62.99	EUR/USD	2023/10/11	1.06415	1.0601	-	3.45
49	WJ20230529007	WKGJ2023103-180D	2023/5/31	2023/11/27	180	人民幣	1.05%/2.35%/2.7%	2000	15.29	EUR/USD	2023/10/11	1.06295	1.0601	-	2.35
50	WJ20230529002	WKGJ2023117-365D	2023/5/31	2024/5/30	365	人民幣	1.2%/2.95%/3.3%	7500	153.75	EUR/USD	2024/2/20	1.05255	1.08416	1291889.75	2.92
51	WJ20230529004	WKGJ2023113-180D	2023/5/31	2023/11/27	180	人民幣	1.15%/3.1%/3.45%	31000	343.97	EUR/USD	2023/10/11	1.06675	1.0601	-	3.1
52	WJ20230530003	WKGJ2023113-180D	2023/6/1	2023/11/28	180	人民幣	1.15%/3.1%/3.45%	19000	210.82	EUR/USD	2023/10/11	1.07305	1.0601	-	3.1
53	WJ20230531002	WKGJ2023111-270D	2023/6/2	2024/2/27	270	人民幣	1.15%/3.6%/3.95%	10000	203.42	EUR/USD	2024/2/1	1.07665	1.08416	1808880.37	3.6
54	WJ20230602001	WKGJ2023122-180D	2023/6/6	2023/12/3	180	人民幣	1.15%/2.8%/3.15%	2000	18.74	EUR/USD	2023/10/11	1.07665	1.0601	-	2.8
55	WJ20230608003	WKGJ2023122-180D	2023/6/10	2023/12/7	180	人民幣	1.15%/2.8%/3.15%	10000	93.70	EUR/USD	2023/10/11	1.07665	1.0601	-	2.8
56	WJ20230613001	WKGJ2023122-180D	2023/6/14	2023/12/11	180	人民幣	1.15%/2.8%/3.15%	1000	9.37	EUR/USD	2023/11/2	1.08555	1.0597	-	2.8
57	WJ20230613002	WKGJ2023128-180D	2023/6/15	2023/12/12	180	人民幣	1.05%/2.5%/2.85%	2000	16.77	EUR/USD	2023/11/2	1.08665	1.0597	-	2.5
58	WJ20230615009	WKGJ2023128-180D	2023/6/17	2023/12/14	180	人民幣	1.05%/2.5%/2.85%	2000	16.77	EUR/USD	2023/11/2	1.07855	1.0597	-	2.5
59	WJ20230615004	WKGJ2023129-365D	2023/6/17	2024/6/16	365	人民幣	1.2%/2.95%/3.3%	10000	205.00	EUR/USD	2024/2/20	1.08575	1.08416	1712643.87	2.91
60	WJ20230619002	WKGJ2023122-180D	2023/6/20	2023/12/17	180	人民幣	1.15%/2.8%/3.15%	20000	187.40	EUR/USD	2023/11/2	1.08575	1.0597	-	2.8
61	WJ20230620001	WKGJ2023131-180D	2023/6/22	2023/12/19	180	人民幣	1.15%/2.84%/3.19%	1500	14.72	EUR/USD	2023/11/2	1.10135	1.0597	-	2.84
62	WJ20230620004	WKGJ2023133-180D	2023/6/22	2023/12/19	180	人民幣	1.15%/2.85%/3.2%	2000	19.73	EUR/USD	2023/11/2	1.10135	1.0597	-	2.85
63	WJ20230620008	WKGJ2023122-180D	2023/6/22	2023/12/19	180	人民幣	1.15%/2.8%/3.15%	5000	46.85	EUR/USD	2023/11/2	1.07855	1.0597	-	2.8
64	WJ20230620013	WKGJ2023122-180D	2023/6/22	2023/12/19	180	人民幣	1.15%/2.8%/3.15%	5000	46.85	EUR/USD	2023/11/2	1.07270	1.0597	-	2.8
65	WJ20230627001	WKGJ2023128-180D	2023/6/28	2023/12/25	180	人民幣	1.05%/2.5%/2.85%	2500	20.96	EUR/USD	2023/11/10	1.07245	1.0669	-	2.5
66	WJ20230628006	WKGJ2023122-180D	2023/6/29	2023/12/26	180	人民幣	1.15%/2.8%/3.15%	10000	93.70	EUR/USD	2023/11/10	1.06670	1.0669	-	2.8
67	WJ20230628005	WKGJ2023137-180D	2023/6/29	2023/12/26	180	人民幣	1.15%/3%/3.35%	10000	106.03	EUR/USD	2023/11/10	1.06670	1.0669	-	3
68	WJ20230629005	WKGJ2023127-180D	2023/7/1	2023/12/28	180	人民幣	1.15%/3.4%/3.75%	10000	125.75	EUR/USD	2023/11/10	1.06670	1.0669	-	3.4
69	WJ20230704001	WKGJ2023145-180D	2023/7/5	2024/1/1	180	人民幣	1.05%/2.45%/2.8%	10000	81.37	EUR/USD	2023/11/21	1.07390	1.08416	692352.78	2.45
70	WJ20230704004	WKGJ2023143-180D	2023/7/6	2024/1/2	180	人民幣	1.15%/3.14%/3.49%	11000	124.22	EUR/USD	2023/11/21	1.07055	1.08416	1082382.62	3.15
71	WJ20230707003	WKGJ2023147-365D	2023/7/8	2024/7/7	365	人民幣	1.2%/2.95%/3.3%	13000	266.50	EUR/USD	2024/4/10	1.07055	1.08416	2219521.14	2.91
72	WJ20230707005	WKGJ2023122-365D	2023/7/11	2024/7/10	365	人民幣	1.2%/2.85%/3.2%	1500	28.50	EUR/USD	2024/4/10	1.07055	1.08416	234229.09	2.76
73	WJ20230713001	WKGJ2023122-365D	2023/7/18	2024/7/17	365	人民幣	1.2%/2.85%/3.2%	6000	114.00	EUR/USD	2024/4/10	1.07055	1.08416	906147.71	2.71
74	WJ20230713002	WKGJ2023122-365D	2023/7/18	2024/7/17	365	人民幣	1.2%/2.85%/3.2%	7000	133.00	EUR/USD	2024/4/10	1.06535	1.08416	1057172.35	2.71
75	WJ20230717002	WKGJ2023122-180D	2023/7/18	2024/1/14	180	人民幣	1.15%/2.8%/3.15%	10000	93.70	EUR/USD	2023/11/10	1.06760	1.0669	-	1.15
76	WJ20230717001	WKGJ2023122-365D	2023/7/18	2024/7/17	365	人民幣	1.2%/2.85%/3.2%	1500	28.50	EUR/USD	2024/4/10	1.05590	1.08416	226536.93	2.71
77	WJ20230721001	WKGJ2023154-180D	2023/7/22	2024/1/18	180	人民幣	1.05%/2.05%/2.4%	2000	12.33	EUR/USD	2023/12/4	1.05845	1.08416	98683.50	2.05
78	WJ20230720003	WKGJ2023122-365D	2023/7/22	2024/7/21	365	人民幣	1.2%/2.85%/3.2%	10000	190.00	EUR/USD	2024/4/10	1.05845	1.08416	1537350.75	2.74
79	WJ20230720002	WKGJ2023122-365D	2023/7/22	2024/7/21	365	人民幣	1.2%/2.85%/3.2%	10000	190.00	EUR/USD	2024/4/10	1.06515	1.08416	1537350.75	2.74
80	WJ20230721004	WKGJ2023127-180D	2023/7/22	2024/1/18	180	人民幣	1.15%/3.4%/3.75%	20000	251.51	EUR/USD	2023/12/4	1.06365	1.08416	2220379.12	3.4
81	WJ20230724002	WKGJ2023155-180D	2023/7/25	2024/1/21	180	人民幣	1.15%/2.55%/2.9%	10000	81.37	EUR/USD	2023/12/4	1.05410	1.08416	690887.52	2.55
82	WJ20230725001	WKGJ2023122-180D	2023/7/27	2024/1/23	180	人民幣	1.15%/2.8%/3.15%	5000	46.85	EUR/USD	2023/12/4	1.05410	1.08416	407114.08	2.8
83	WJ20230727004	WKGJ2023156-365D	2023/7/29	2024/7/28	365	人民幣	1.2%/2.85%/3.2%	15000	285.00	EUR/USD	2024/4/10	1.05410	1.08416	2410144.21	2.81
84	WJ20230727002	WKGJ2023156-180D	2023/7/29	2024/1/25	180	人民幣	1.15%/2.8%/3.15%	15000	140.55	EUR/USD	2023/12/4	1.05410	1.08416	1220980.70	2.8
85	WJ20230728005	WKGJ2023144-180D	2023/7/29	2024/1/25	180	人民幣	1.15%/3.4%/3.75%	30000	377.26	EUR/USD	2023/12/4	1.05410	1.08416	3329947.47	3.4
86	WJ20230801001	WKGJ2023166-180D	2023/8/2	2024/1/29	180	人民幣	0.9%/2%/2.3%	10000	66.58	EUR/USD	2023/12/4	1.06675	1.08416	542308.92	2
87	WJ20230801003	WKGJ2023167-180D	2023/8/3	2024/1/30	180	人民幣	1.15%/2.9%/3.25%	5500	55.60	EUR/USD	2023/12/4	1.06745	1.08416	474455.53	2.9
88	WJ20230807001	WKGJ2023156-180D	2023/8/8	2024/2/4	180	人民幣	1.15%/2.8%/3.15%	1500	14.05	EUR/USD	2024/1/9	1.06745	1.08416	121917.29	2.8
89	WJ20230810002	WKGJ2023156-365D	2023/8/12	2024/8/11	365	人民幣	1.2%/2.85%/3.2%	10000	190.00	EUR/USD	2024/7/2	1.07725	1.08416	1602648.12	2.8
90	WJ20230811001	WKGJ2023144-180D	2023/8/12	2024/2/8	180	人民幣	1.15%/3.4%/3.75%	10000	125.75	EUR/USD	2024/1/9	1.07625	1.08416	1107684.49	3.4
91	WJ20230810006	WKGJ2023156-365D	2023/8/12	2024/8/11	365	人民幣	1.2%/2.85%/3.2%	10000	190.00	EUR/USD	2024/7/2	1.08450	1.08416	1602648.12	2.8
92	WJ20230811004	WKGJ2023156-180D	2023/8/15	2024/2/11	180	人民幣	1.15%/2.8%/3.15%	5000	46.85	EUR/USD	2024/1/9	1.08450	1.08416	401640.10	2.78
93	WJ20230815003	WKGJ2023156-180D	2023/8/17	2024/2/13	180	人民幣	1.15%/2.8%/3.15%	1200	11.24	EUR/USD	2024/1/9	1.08450	1.08416	96780.31	2.79
94	WJ20230814005	WKGJ2023169-90D	2023/8/18	2023/11/16	90	人民幣	1%/2.9%/3.25%	2000	10.85	EUR/USD	2023/10/18	1.08450	1.0582	-	2.9
95	WJ20230816004	WKGJ2023122-365D	2023/8/18	2024/8/17	365	人民幣	1.2%/2.85%/3.2%	1200	22.80	EUR/USD	2024/7/2	1.08450	1.08416	185704.98	2.75
96	WJ20230816005	WKGJ2023170-104D	2023/8/18	2023/11/30	104	人民幣	1%/3%/3.35%	10000	65.53	EUR/USD	2023/11/2	1.09100	1.0597	-	3
97	WJ20230816002	WKGJ2023122-365D	2023/8/19	2024/8/18	365	人民幣	1.2%/2.85%/3.2%	5000	95.00	EUR/USD	2024/7/2	1.08085	1.08416	773660.59	2.75
98	WJ20230818007	WKGJ2023171-180D	2023/8/22	2024/2/18	180	人民幣	1.15%/2.9%/3.25%	10000	101.10	EUR/USD	2024/1/9	1.08085	1.08416	854749.09	2.88
99	WJ20230821002	WKGJ2023122-90D	2023/8/23	2023/11/21	90	人民幣	1%/2.75%/3.1%	1200	5.92	EUR/USD	2023/11/2	1.08995	1.0597	-	2.75
100	WJ20230822001	WKGJ2023122-180D	2023/8/24	2024/2/20	180	人民幣	1.15%/2.8%/3.15%	5000	46.85	EUR/USD	2024/1/9	1.08995	1.08416	402819.31	2.78
101	WJ20230822002	WKGJ2023122-180D	2023/8/24	2024/2/20	180	人民幣	1.15%/2.8%/3.15%	1200	11.24	EUR/USD	2024/1/9	1.08995	1.08416	96676.59	2.78
102	WJ20230824001	WKGJ2023177-180D	2023/8/26	2024/2/22	180	人民幣	1%/2.4%/2.75%	3000	24.41	EUR/USD	2024/1/9	1.08995	1.08416	204723.99	2.38
103	WJ20230825001	WKGJ2023156-180D	2023/8/29	2024/2/25	180	人民幣	1.15%/2.8%/3.15%	6000	56.22	EUR/USD	2024/1/9	1.08995	1.08416	481858.07	2.78
104	WJ20230828004	WKGJ2023174-90D	2023/8/30	2023/11/28	90	人民幣	1%/3%/3.35%	1900	10.78	EUR/USD	2023/11/10	1.09255	1.0669	-	3
105	WJ20230829002	WKGJ2023156-365D	2023/8/30	2024/8/29	365	人民幣	1.2%/2.85%/3.2%	10000	190.00	EUR/USD	2024/7/2	1.09965	1.08416	1540274.37	2.74
106	WJ20230829005	WKGJ2023122-90D	2023/8/31	2023/11/29	90	人民幣	1%/2.75%/3.1%	2000	9.86	EUR/USD	2023/11/10	1.10625	1.0669	-	2.75
107	WJ20230831002	WKGJ2023183-180D	2023/9/2	2024/2/29	180	人民幣	1.15%/3%/3.35%	14000	148.44	EUR/USD	2024/1/9	1.10625	1.08416	1262969.65	2.98
108	WJ20230831003	WKGJ2023122-180D	2023/9/2	2024/2/29	180	人民幣	1.15%/2.8%/3.15%	1000	9.37	EUR/USD	2024/1/9	1.09715	1.08416	80459.48	2.78
109	WJ20230904002	WKGJ2023122-90D	2023/9/6	2023/12/5	90	人民幣	1%/2.75%/3.1%	1200	5.92	EUR/USD	2023/11/21	1.09715	1.08416	51842.26	2.75
110	WJ20230905005	WKGJ2023156-180D	2023/9/7	2024/3/5	180	人民幣	1.15%/2.8%/3.15%	20000	187.40	EUR/USD	2024/2/1	1.09700	1.08416	1607999.63	2.78
111	WJ20230904004	WKGJ2023178-90D	2023/9/8	2023/12/7	90	人民幣	1%/3.05%/3.4%	5000	28.97	EUR/USD	2023/11/21	1.09665	1.08416	253039.54	3.05
112	WJ20230912002	WKGJ2023122-180D	2023/9/14	2024/3/12	180	人民幣	1.15%/2.8%/3.15%	1050	9.84	EUR/USD	2024/2/1	1.09665	1.08416	84770.39	2.79
113	WJ20230913001	WKGJ2023122-180D	2023/9/14	2024/3/12	180	人民幣	1.15%/2.8%/3.15%	1000	9.37	EUR/USD	2024/2/1	1.09755	1.08416	80733.71	2.79
114	WJ20230906001	WKGJ2023191-90D	2023/9/15	2023/12/14	90	人民幣	1%/2.95%/3.3%	20000	110.96	EUR/USD	2023/11/21	1.10455	1.08416	966787.96	2.96
115	WJ20230914001	WKGJ2023156-180D	2023/9/16	2024/3/14	180	人民幣	1.15%/2.8%/3.15%	5000	46.85	EUR/USD	2024/2/1	1.10455	1.08416	402485.32	2.78
116	WJ20230914002	WKGJ2023156-365D	2023/9/16	2024/9/15	365	人民幣	1.2%/2.85%/3.2%	8000	152.00	EUR/USD	2024/7/2	1.10265	1.08416	1252811.75	2.77
117	WJ20230918001	WKGJ2023174-90D	2023/9/19	2023/12/18	90	人民幣	1%/3%/3.35%	1000	5.67	EUR/USD	2023/11/21	1.10810	1.08416	49549.61	3.01
118	WJ20230918003	WKGJ2023193-180D	2023/9/21	2024/3/19	180	人民幣	1.15%/2.9%/3.25%	20000	202.19	EUR/USD	2024/2/1	1.10810	1.08416	1710751.65	2.88
119	WJ20230920002	WKGJ2023122-180D	2023/9/22	2024/3/20	180	人民幣	1.15%/2.8%/3.15%	2000	18.74	EUR/USD	2024/2/20	1.10810	1.08416	161271.47	2.79
120	WJ20230922003	WKGJ2023196-180D	2023/9/26	2024/3/24	180	人民幣	1.15%/2.9%/3.25%	1500	15.16	EUR/USD	2024/2/20	1.10810	1.08416	128211.65	2.88
121	WJ20230925002	WKGJ2023195-180D	2023/9/26	2024/3/24	180	人民幣	1.15%/3%/3.35%	10000	106.03	EUR/USD	2024/2/20	1.10315	1.08416	903587.06	2.98
122	WJ20230922001	WKGJ2023122-90D	2023/9/26	2023/12/25	90	人民幣	1%/2.75%/3.1%	1000	4.93	EUR/USD	2023/11/21	1.10315	1.08416	43310.94	2.76
123	WJ20230925003	WKGJ2023174-90D	2023/9/26	2023/12/25	90	人民幣	1%/3%/3.35%	1000	5.67	EUR/USD	2023/11/21	1.09715	1.08416	49498.23	3.01
124	WJ20230926002	WKGJ2023178-90D	2023/9/28	2023/12/27	90	人民幣	1%/3.05%/3.4%	3000	17.38	EUR/USD	2023/11/21	1.09715	1.08416	152161.89	3.06
125	WJ20230927001	WKGJ2023197-180D	2023/9/28	2024/3/26	180	人民幣	1.15%/3%/3.35%	10000	106.03	EUR/USD	2024/2/20	1.09235	1.08416	903321.70	2.98
126	WJ20230927002	WKGJ2023122-90D	2023/9/28	2023/12/27	90	人民幣	1%/2.75%/3.1%	3000	14.79	EUR/USD	2023/11/21	1.05625	1.08416	129894.25	2.76
127	WJ20231007001	WKGJ2023195-180D	2023/10/10	2024/4/7	180	人民幣	1.15%/3%/3.35%	5000	53.01	EUR/USD	2024/2/20	1.0607	1.08416	450876.61	2.98
128	WJ20231008009	WKGJ2023156-180D	2023/10/10	2024/4/7	180	人民幣	1.15%/2.8%/3.15%	10000	93.70	EUR/USD	2024/2/20	1.0607	1.08416	804266.39	2.78
129	WJ20231010002	WKGJ2023211-90D	2023/10/12	2024/1/10	90	人民幣	1%/2.85%/3.2%	3000	15.90	EUR/USD	2024/1/8	1.0542	1.08416	136994.73	2.85
130	WJ20231012001	WKGJ2023156-180D	2023/10/14	2024/4/11	180	人民幣	1.15%/2.8%/3.15%	1200	11.24	EUR/USD	2024/2/20	1.0523	1.08416	96464.09	2.78
131	WJ20231012004	WKGJ2023156-180D	2023/10/14	2024/4/11	180	人民幣	1.15%/2.8%/3.15%	5000	46.85	EUR/USD	2024/2/20	1.0523	1.08416	401933.84	2.78
132	WJ20231016003	WKGJ2023122-30D	2023/10/17	2023/11/16	30	人民幣	1.1%/2.6%/2.95%	1000	1.44	EUR/USD	2023/11/10	1.0569	1.0669	-	2.6
133	WJ20231017002	WKGJ2023122-90D	2023/10/19	2024/1/17	90	人民幣	1%/2.75%/3.1%	1200	5.92	EUR/USD	2024/1/8	1.0572	1.08416	51801.29	2.75
134	WJ20231017001	WKGJ2023122-365D	2023/10/19	2024/10/18	365	人民幣	1.2%/2.85%/3.2%	1000	19.00	EUR/USD	2024/10/15	1.0572	1.08416	156008.04	2.76
135	WJ20231019002	WKGJ2023217-365D	2023/10/20	2024/10/19	365	人民幣	1.2%/3.1%/3.45%	1000	22.00	EUR/USD	2024/10/15	1.0584	1.08416	182766.52	3.03
136	WJ20231020001	WKGJ2023156-180D	2023/10/21	2024/4/18	180	人民幣	1.15%/2.8%/3.15%	1100	10.31	EUR/USD	2024/4/10	1.0584	1.08416	88332.20	2.78
137	WJ20231019001	WKGJ2023215-90D	2023/10/21	2024/1/19	90	人民幣	1%/2.85%/3.2%	10000	53.01	EUR/USD	2024/1/8	1.0584	1.08416	456209.57	2.85
138	WJ20231024001	WKGJ2023219-30D	2023/10/25	2023/11/24	30	人民幣	1.1%/3%/3.35%	1000	1.81	EUR/USD	2023/11/10	1.0555	1.0669	-	3
139	WJ20231024002	WKGJ2023218-60D	2023/10/25	2023/12/24	60	人民幣	1%/2.8%/3.15%	4000	13.81	EUR/USD	2023/12/4	1.0555	1.08416	118824.56	2.81
140	WJ20231024003	WKGJ2023122-365D	2023/10/25	2024/10/24	365	人民幣	1.2%/2.85%/3.2%	5000	95.00	EUR/USD	2024/10/15	1.0555	1.08416	777719.93	2.76
141	WJ20231023002	WKGJ2023156-180D	2023/10/26	2024/4/23	180	人民幣	1.15%/2.8%/3.15%	5000	46.85	EUR/USD	2024/4/10	1.056	1.08416	398019.07	2.76
142	WJ20231026001	WKGJ2023216-180D	2023/10/27	2024/4/24	180	人民幣	1.15%/2.8%/3.15%	5000	46.85	EUR/USD	2024/4/10	1.0563	1.08416	397918.20	2.76
143	WJ20231025002	WKGJ2023122-60D	2023/10/27	2023/12/26	60	人民幣	1%/2.6%/2.95%	1000	3.04	EUR/USD	2023/12/18	1.0563	1.08416	26392.70	2.61
144	WJ20231024005	WKGJ2023122-90D	2023/10/28	2024/1/26	90	人民幣	1%/2.75%/3.1%	1000	4.93	EUR/USD	2024/1/8	1.0563	1.08416	43067.29	2.75
145	WJ20231027001	WKGJ2023223-180D	2023/10/28	2024/4/25	180	人民幣	1.05%/2.6%/2.95%	2000	17.75	EUR/USD	2024/4/10	1.0563	1.08416	149436.86	2.57
146	WJ20231030001	WKGJ2023220-90D	2023/10/31	2024/1/29	90	人民幣	1%/3%/3.35%	1000	5.67	EUR/USD	2024/1/8	1.0569	1.08416	49187.90	2.99
147	WJ20231030004	WKGJ2023222-180D	2023/10/31	2024/4/28	180	人民幣	1.15%/3%/3.35%	6000	63.62	EUR/USD	2024/4/10	1.0569	1.08416	539388.29	2.97
148	WJ20231025001	WKGJ2023214-180D	2023/10/31	2024/4/28	180	人民幣	1.15%/2.9%/3.25%	20000	202.19	EUR/USD	2024/4/10	1.0569	1.08416	1700773.86	2.87
149	WJ20231030007	WKGJ2023225-180D	2023/10/31	2024/4/28	180	人民幣	1.05%/2.7%/3.05%	20000	187.40	EUR/USD	2024/4/10	1.0569	1.08416	1603586.73	2.68
150	WJ20231030009	WKGJ2023224-29D	2023/11/1	2023/11/30	29	人民幣	1.1%/2.85%/3.2%	29998	48.86	EUR/USD	2023/11/21	1.0597	1.08416	420235.05	2.86
151	WJ20231030012	WKGJ2023216-29D	2023/11/1	2023/11/30	29	人民幣	1.1%/2.6%/2.95%	4000	5.56	EUR/USD	2023/11/21	1.0597	1.08416	48030.08	2.61
152	WJ20231030011	WKGJ2023226-29D	2023/11/1	2023/11/30	29	人民幣	1.1%/3.2%/3.55%	150000	286.03	EUR/USD	2023/11/21	1.0597	1.08416	2521578.58	3.22
153	WJ20231030010	WKGJ2023221-29D	2023/11/1	2023/11/30	29	人民幣	1.1%/3.1%/3.45%	50000	91.37	EUR/USD	2023/11/21	1.0597	1.08416	800501.16	3.12
154	WJ20231031003	WKGJ2023216-28D	2023/11/2	2023/11/30	28	人民幣	1.1%/2.6%/2.95%	1000	1.34	EUR/USD	2023/11/21	1.0622	1.08416	11593.47	2.61
155	WJ20231031004	WKGJ2023216-90D	2023/11/2	2024/1/31	90	人民幣	1%/2.75%/3.1%	1000	4.68	EUR/USD	2024/1/8	1.0622	1.08416	39271.59	2.69
156	WJ20231030008	WKGJ2023220-90D	2023/11/3	2024/2/1	90	人民幣	1%/3%/3.35%	3000	17.01	EUR/USD	2024/1/8	1.0728	1.08416	147643.45	3
157	WJ20231101001	WKGJ2023227-27D	2023/11/3	2023/11/30	27	人民幣	1.1%/2.7%/3.05%	1000	1.41	EUR/USD	2023/11/21	1.0728	1.08416	11924.69	2.71
158	WJ20231101002	WKGJ2023227-27D	2023/11/3	2023/11/30	27	人民幣	1.1%/2.7%/3.05%	2100	2.95	EUR/USD	2023/11/21	1.0728	1.08416	25041.81	2.71
159	WJ20231103001	WKGJ2023229-180D	2023/11/7	2024/5/5	180	人民幣	1.05%/2.7%/3.05%	5000	46.85	EUR/USD	2024/4/10	1.0692	1.08416	391729.09	2.64
160	WJ20231107001	WKGJ2023228-50D	2023/11/8	2023/12/28	50	人民幣	1%/2.8%/3.15%	5000	14.38	EUR/USD	2023/12/18	1.0713	1.08416	123132.33	2.8
161	WJ20231109001	WKGJ2023216-365D	2023/11/11	2024/11/10	365	人民幣	1.2%/2.85%/3.2%	10000	190.00	EUR/USD	2024/10/15	1.0686	1.08416	1524737.96	2.72
162	WJ20231109003	WKGJ2023216-30D	2023/11/11	2023/12/11	30	人民幣	1.1%/2.6%/2.95%	1000	1.44	EUR/USD	2023/12/4	1.0686	1.08416	12384.52	2.61
163	WJ20231109007	WKGJ2023233-365D	2023/11/11	2024/11/10	365	人民幣	1.1%/2.3%/2.65%	10000	145.00	EUR/USD	2024/10/15	1.0686	1.08416	1108900.33	2.21

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(wú)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(mǎi)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(wú)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(wú)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(wú)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(xiāo)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(lái)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(shuō)明書(shū)中約定的數(shù)據(jù)提供商提供的參照頁(yè)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(lèi)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(lèi)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(xiāo)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(xiāo)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11月單位結(jié)構(gòu)性存款產(chǎn)品賬單

總行地址：山東省威海市青島北路137A號(hào)

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