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Linked products refer to financial instruments or physical products whose returns or functions are determined by linking to external underlying assets (such as market indices, interest rates, exchange rates, commodity prices, etc.) through specific mechanisms. The following introduction covers two major fields: finance and home furnishings.
I. Financial Linked Products
1. Product Definition and Core Mechanism
Financial linked products usually link principal or returns to the performance of specific underlying assets, and achieve flexible return structures by embedding derivatives (such as options, swaps). For example, the returns of products like structured deposits and linked notes may depend on the volatility, range breakthroughs, or trend changes of the underlying assets.