国内银行更注重短期灵活配置与低门槛，以吸引广泛投资者。例如，上海农商银行1月8日推出的鑫和系列产品挂钩伦敦 金，期限涵盖7天、14天、35天及91天，预期年化收益区间1.20%至1.65%；江苏银行无锡分行近期推出3个月与6个月两款挂钩 黄金的结构性存款，起存金额均为1万元，预期年化收益率分别为1%或1.89%或2.09%；招商银行"点金"系列产品期限覆盖7天 至181天，其中1月9日起售的"点金看涨三层区间周周存"，根据黄金价格波动区间突破情况，提供1%或1.27%或1.47%的预期到 期年化收益率。 外资银行则聚焦长期限、高收益赛道，瞄准高净值客户群体。例如，1月1日，星展银行推出保本类结构性存款产品系列， 挂钩黄金美元即期价格，年化收益范围1.5%至4.0%，期限12个月，最低认购金额1万美元；1月7日，渣打银行推出挂钩SPDR黄 金信托的结构性存款产品，非年化收益范围0%至5.0%，最低认购金额5万元，投资期限18个月，该产品为涨跌双赢结构，到期 100%本金保障，风险评级3级。 本报记者 彭妍 2026年开年以来，金价高位震荡运行，黄金相关投资产品成理财市场"香饽饽"。记者采访获悉，多家中外资银行顺 ...

中经记者 慈玉鹏 北京报道 2026年1月，多家银行发布挂钩黄金相关标的的结构性存款产品，年化收益率最高一度触及4.5%。 《中国经营报》记者采访了解到，投资挂钩黄金相关标的的结构性存款产品，需要注意评估其高收益触 发条件是否合理；同时，产品若以美元计价，购买前必须考虑汇率风险。 高收益率产品陆续推出 近期，多家银行发布挂钩黄金相关标的的结构性存款产品。 购买挂钩黄金的结构性存款投资人需要注意风险。 尊彩黄金产业研究院院长吴龙告诉记者，首先，市场风险是核心，黄金价格波动直接影响收益实现，例 如部分产品中设定若金价未达预期，投资者仅能获得较低年化收益。其次，部分产品流动性风险因产品 期限较长，提前赎回可能面临罚息或本金损失。最后，挂钩标的复杂性带来额外风险，例如部分产品并 非直接挂钩黄金现货，而是金矿公司股票，其表现受企业运营和股市波动双重影响，投资者需充分理解 条款以避免误判。 金融监管专家周毅钦告诉记者，投资者购买挂钩黄金相关标的的结构性存款，收益多为"区间型"或"触 发型"，若金价在观察区间内未达到约定条件，只能拿保底收益，弹性收益往往需要金价有较大幅度的 上涨才能实现。所以不能被其高收益所迷惑，还是要评 ...

12月23日，紫燕食品（603057.SH）发布公告称，将使用闲置募集资金3000万元认购招商银行点金系列 看涨三层区间90天结构性存款，收益类型为保本浮动收益类型，产品挂钩标的为黄金。 12月16日，隆基机械（002363.SZ）公告表示，使用闲置自有资金2500万元购买了广发银行"物华添 宝"G款2025年第239期人民币结构性存款（挂钩黄金现货欧式二元看涨）（机构版）产品。 薛洪言指出，挂钩黄金的结构性存款产品，其核心特点是本金安全性与收益联动性的结合。产品通常提 供本金保障或最低收益保证，收益则由保底收益和与金价表现挂钩的浮动收益两部分组成。近期金价高 位波动，使得区间型收益结构更为普遍，即投资者仅在金价于预设区间内波动时才能获得较高收益，若 金价突破区间则仅能获取保底收益。这类产品设有明确的观察期和行权价，投资期限多为数月至一年的 中期，流动性较弱，但由于是商业银行发行且受监管约束，其整体风险等级低于直接的黄金衍生品交 易。 南开大学金融发展研究院院长田利辉表示，挂钩黄金的结构性存款产品将传统的存款安全性，与黄金期 权的波动性相结合，本质上是一种"固定收益+奇异期权"的结构化票据。其最大特征在于收益 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不 負 責，對 其 準 確 性 或 完 整 性 亦 不 發 表 任 何 聲 明，並 明 確 表 示 概 不 就 因 本 公 告 全 部 或 任 何 部 分 內 容 而 產 生 或 因 依 賴 該 等 內 容 而 引 致 的 任 何 損 失 承 擔 任 何 責 任。 Beijing Saimo Technology Co., Ltd. 北京賽目科技股份有限公司 （於中華人民共和國註冊成立的股份有限公司） （股份代號：2571） 須予披露交易 認購該等結構性存款產品 及 臨時偏離全球發售所得款項用途 認購該等結構性存款產品 董 事 會 宣 佈，自 二 零 二 五 年 三 月 三 日 至 二 零 二 五 年 五 月 二 十 六 日 期 間，本 公 司 分 別 從 中 國 銀 行 和 招 商 銀 行 認 購 了 該 等 結 構 性 存 款 產 品，認 購 金 額 乃 是 使 用 本 公 司 自 有 閒 置 資 金，詳 情 如 下： 中國銀行結構性存款產品 – 1 – • 於 二 零 二 五 年 三 月 三 日，本 公 司 分 別 認 購 金 額 為 人 ...

Core Viewpoint - Shenzhen Expressway Company Limited (00548) has made multiple investments in structured deposit products with Jiangsu Bank, indicating a strategy to enhance liquidity and yield through financial instruments [1] Group 1: Investment Details - The company subscribed to structured deposit products with a principal amount of RMB 50 million each on October 27, October 28, and November 11, 2025 [1] - An additional subscription of RMB 50 million for the sixth structured deposit product was made on November 12, 2025 [1]

Core Viewpoint - Fudan Zhangjiang's stock price has decreased by 1.97% this week, closing at 8.94 yuan, with a total market capitalization of 9.267 billion yuan as of October 17, 2025 [1] Company Announcements Summary - Fudan Zhangjiang signed a structured deposit agreement with Ping An Bank, investing 220 million yuan in a principal-protected floating income product with a term of 79 days and an expected annualized return of 0.45%-1.90%, linked to the Shanghai gold price [2] - The company's wholly-owned subsidiary, Taizhou Fudan Zhangjiang, had its application for the listing of Obeticholic Acid Tablets (5mg, 10mg) for the treatment of primary biliary cholangitis rejected by the National Medical Products Administration. The project has incurred approximately 125 million yuan in R&D costs, which have been accounted for in the financial statements, but the rejection will not significantly impact the company's current financial status [2][5] - Fudan Zhangjiang entered into two structured deposit agreements with the Bank of China, totaling 170 million yuan, with terms of 63 and 78 days, linked to GBP/USD and EUR/USD exchange rates, respectively, and expected annualized returns ranging from 0.35% to 1.70% [3] - The company also signed a structured deposit agreement with China Merchants Bank, totaling 100 million yuan, with a term of 76 days, linked to gold prices, and expected annualized returns of 1.00%-1.65% [3]

Core Viewpoint - Fudan Zhangjiang (01349) has entered into agreements with China Merchants Bank for structured deposit products, indicating a strategic move to utilize idle funds for investment opportunities [1] Group 1: Company Agreements - The company has signed a structured deposit product agreement I with China Merchants Bank [1] - A wholly-owned subsidiary, Taizhou Fudan Zhangjiang, has also entered into a structured deposit product agreement II with China Merchants Bank [1] - The total amount for the structured deposit products is set at RMB 100 million [1]

Core Viewpoint - Fudan Zhangjiang (01349) has entered into agreements with Bank of China to subscribe to structured deposit products totaling RMB 170 million using temporarily idle funds raised from its A-share public offering [1] Group 1 - The company has signed two structured deposit product agreements with Bank of China [1] - The total amount for the structured deposit products is RMB 170 million [1] - The funds used for this investment are temporarily idle funds from the company's A-share public offering [1]

Core Viewpoint - The State-owned Assets Supervision and Administration Commission (SASAC) has responded to several high-interest inquiries regarding regulations on state-owned enterprises, particularly focusing on the classification of structured deposits, rules on equity repurchase, and the procedures for capital increase in state-owned enterprises [3][4][5][9]. Group 1: Structured Deposits - Structured deposits are not classified as high-risk financial products under the regulations for non-financial enterprises, as they differ fundamentally from non-principal guaranteed wealth management products [4]. Group 2: Equity Repurchase Regulations - The regulations outlined in the "Enterprise State-owned Assets Transaction Operation Rules" prohibit the inclusion of equity repurchase clauses in capital increase agreements, applicable to state-funded enterprises [5][7]. - Existing repurchase clauses established before the implementation of the new rules are still subject to evaluation regarding their enforceability and associated risks [7]. Group 3: Capital Increase Procedures - The capital increase process for state-owned enterprises must adhere to asset evaluation results and cannot include price adjustments based on operational performance during the transaction period [9]. - The rules governing capital increases do not allow for price reductions in the event that no investors are found during the initial public offering [9].

Core Viewpoint - Aerospace Intelligence (航天智造) reported a moderate increase in revenue and net profit for the first half of 2025, with concerns regarding accounts receivable and declining profit margins [1][2]. Financial Performance - Total revenue for the first half of 2025 reached 4.163 billion yuan, an increase of 8.65% year-on-year [1]. - Net profit attributable to shareholders was 392 million yuan, up 1.2% year-on-year [1]. - In Q2 2025, total revenue was 2.008 billion yuan, a year-on-year increase of 3.73%, while net profit decreased by 6.48% to 206 million yuan [1]. - The gross margin was 19.38%, down 8.33% year-on-year, and the net margin was 10.84%, down 3.78% year-on-year [1]. - The company’s accounts receivable accounted for 222.43% of the latest annual net profit, indicating a significant concern regarding cash flow [1][3]. Key Financial Metrics - The company’s operating cash flow per share was 0.38 yuan, a decrease of 16.01% year-on-year [1]. - Earnings per share remained stable at 0.46 yuan, reflecting a slight increase of 1.18% year-on-year [1]. - The total liabilities decreased significantly by 70.92% to 86.9 million yuan [1]. - The company’s net assets per share increased by 11.75% to 6.4 yuan [1]. Business Segments - The automotive parts business saw a revenue increase of approximately 10%, benefiting from a 13% year-on-year growth in passenger car sales [4]. - The oil and gas equipment segment maintained performance compared to the previous year, while the high-performance functional materials segment experienced a decline due to market changes [4].