Most ordinary banks in deposit interest rate are only 0.35%, and the interest rate of five-year ordinary deposits is around 3.50%, while the yield of structured deposits is generally above 4%.

2. The risks of structured deposits are different.

Ordinary bank deposits are guaranteed by the deposit insurance system. If there is any risk in the deposit, depositors with deposits below 500,000 yuan can get full compensation.

However, it is not clear whether the structured deposits of banks are guaranteed by the deposit insurance system.

3. The termination time is different

Structured deposits generally mean that neither banks nor customers have the right to terminate their deposits in advance, while time deposit customers have the right to terminate their deposits in advance. However, some banks stipulate that banks have the right to terminate structured deposits in advance.

4. Structured deposits generally have a subscription period and cannot bear interest before the value date, while time deposits generally bear interest on the day of deposit.

References:

Baidu Encyclopedia-Structured Deposit

References:

Baidu encyclopedia-bank deposit