While reserving sufficient cash flow, you are also recommended to properly allocate your idle cash for a steady return and an ideal cash management result.

  Structured Deposit
SPD Silicon Valley Bank Structured Deposit (SD)
SD No.3, SD 3A, SD 3B and SD No.4

Features

  1. Flexible return: linked to EURO/USD exchange rate
    (Return of SD No.4 is calculated on a range accrual basis)
  2. Potentially higher returns as compared to term deposit
  3. 100% principal guaranteed on maturity: applicable to companies with a low risk appetite
  4. Flexible tenor subject to companies’ needs

Purchase Information

Currency RMB
Issuance Period Monthly
Minimum Purchase Amoun RMB 10 million
Incremental Amount Integral multiple(s) of RMB 100,000
Investment Tenor 1 month, 3 months, 6 months, 1 year

Risk Disclosures

Please be aware of the risks associated with the product and make prudent investment decisions.

  1. This exchange rate linked structure deposit is principal guaranteed and its returns are variable involved with risks.
  2. The past performance of the product is not necessarily indicative of its future performance. The returns may not be guaranteed and early redemption is not applicable.
  3. The risk rating of the product is RR1. Please fully understand and be aware the risk and make prudent investment decisions.
  4. Please refer to the Risk Disclosures and Product Specifications for more risk disclosures.
  RMB Deposit Products

RMB Current Deposit

RMB Term Deposit

Minimum deposit amount:
RMB 50,000

Deposit tenors:
3 months, 6 months, 1 year, 2 years, 3 years and 5 years

RMB Call Deposit (One-day/Seven-day)

There is no pre-defined tenor of the product. One-day/seven-day call deposit interests will be paid with a one-day/seven-day withdrawal notice

Minimum deposit amount:
RMB 500,000

Features

  1. Easy planning: suitable for companies that have standard financial management so they could properly manage their funds according to their financial plan
  2. Compared to current deposit, higher interest yields are offered while companies enjoy the flexibility of accessing their working capital
  3. The principal is deposited in lump sum and allows unlimited withdrawals

RMB 7-day Call Deposit (Auto rollover)

The principal and the interests are automatically rolled over every seven days. For the portion of the deposit less than seven days, RMB current deposit interest rate will apply upon withdrawal

Features

  1. High flexibility: provide companies with greater flexibility of their cash management
  2. Compared to current deposit, higher interest yields are offered while companies enjoy the flexibility of accessing their working capital

RMB Agreement Deposit

Companies open their settlement accounts according to the agreed deposit limit with SSVB, and the amount above the agreed limit are deemed as RMB agreement deposit and will accrue interest at the agreement deposit rate. When the account balance is below the agreed limit, the interest shall be calculated on the basis of current deposit rates.

Features

  1. High liquidity: free transfers and no impact on companies' daily settlements
  2. High yield: compared to current deposits, clients can benefit from a higher yield in the long run
  3. Flexible allocation: interests are calculated by the bank based on account balance, which brings great convenience to companies when it comes to working capital allocation and transaction
  4. Amount of agreement: as per negotiation
  5. Tenor of agreement: 1 year. The agreement will be automatically renewed for another year if no cancellation application is received
  6. Interest payment: settled on 20th of the last month of each quarter (postponed in case of holidays and festivals) and credited to the settlement account
  Foreign Currency Deposit

Foreign Currency Current Deposit

Foreign Currency Term Deposit

Minimum Deposit Amount:
USD10,000 / EURO10,000 / HKD80,000 / JPY1,000,000 / AUD10,000 / CAD10,000 / CHF9,000 / SGD12,000

Deposit Tenors:
1 month, 3 months, 6 months, 1 year, 2 years

Kechaungying - USD Tiered Interest Rate Term Deposit

Kechaungying A is applicable to NRA USD accounts

Kechuangying B is applicable to all USD accounts other than NRA USD accounts

Features

  1. The interest rate of Kechuangying will be paid by tiers in accordance to the corresponding deposit tenors
  2. Flexible tenor with up to two T+0 full/partial early redemption by notification

Foreign Currency 7-day Smart Deposit (Auto rollover term deposit)

Minimum Deposit Amount:
USD10,000 / EURO10,000 / HKD80,000 / JPY1,000,000 / AUD10,000 / CAD10,000 / CHF9,000 / SGD12,000

The principal and the interests are automatically rolled over every seven days. For the portion of the deposit less than seven days, term deposit interest rate will apply upon withdrawal

Features

  1. High flexibility: provide companies with greater flexibility of their cash management
  2. Compared to current deposit, higher interest yields are offered while companies enjoy the flexibility of accessing their working capital
  RMB and FCY Conversion

SPOT CNY/FCY Conversion Service

FCY purchase by companies is supported under the cross-border RMB settlement transactions

Contact Us


21/F, Block B, Baoland Plaza, No. 588 Dalian Road, Shanghai

Unit 2318 & 3217, China World Tower 1, No. 1 Jianguomenwai Avenue, Chaoyang District, Beijing

Room 802, Building N2, Alibaba Building, No. 3331, South Keyuan Road (Shenzhen Bay), Nanshan District, Shenzhen

86 21 35963037

newclients@spd-svbank.com