【中文版】

结构性存款是一种银行理财产品，它是在普通存款的基础上，运用金融衍生工具和相关技术，将存款的本金和收益与预设的金融变量进行挂钩，使得存款的收益随预设变量变动而变动。

具体来说，结构性存款通常会设定一个较低的保底收益，这个保底收益是相对稳定的，不会随市场波动而大幅度变动。同时，这个保底收益也是相对安全的，因为它是建立在普通存款的基础上，即使市场发生不利变化，也不会对本金产生影响。

除了保底收益之外，结构性存款还会将一部分资金投资于金融衍生品等高风险高收益的投资品种。这些投资品种的价格会随市场因素的变化而变化，如果市场因素向着有利于投资品种变化的方向发展，那么结构性存款的收益就会相应增加。

结构性存款的特点是它的收益与预设的金融变量密切相关，因此它的收益是不确定的。投资者在购买结构性存款时需要了解其风险，并根据自身的风险承受能力做出决策。

总的来说，结构性存款是一种结合了存款和投资的理财产品，它可以在保证本金安全的前提下，通过投资高风险高收益的投资品种来获取更高的收益。

【英文版】

Structured deposit is a kind of bank wealth management product. It is based on ordinary deposit, using financial derivatives and related technologies to link the principal and interest of the deposit with preset financial variables, so that the return of the deposit changes with the preset variables.

Specifically, structured deposits usually have a lower minimum guaranteed return, which is relatively stable and will not fluctuate大幅度变动with market fluctuations. At the same time, this minimum guaranteed return is also relatively safe because it is based on ordinary deposits, and even if the market experiences adverse changes, it will not affect the principal.

In addition to the minimum guaranteed return, structured deposits will also invest some funds in high-risk high-return investment品种such as financial derivatives. The price of these investment products changes with market factors, and if market factors develop in a favorable direction for the investment products, the return of the structured deposit will increase accordingly.

The characteristic of structured deposit is that its return is closely related to preset financial variables, so its return is uncertain. Investors need to understand its risks when purchasing structured deposits and make decisions based on their risk tolerance.

Overall, structured deposits are a combination of deposits and investment wealth management products that can obtain higher returns by investing in high-risk high-return investment products while ensuring the safety of principal.