理財(cái)產(chǎn)品作為一種投資工具，受到越來(lái)越多人的歡迎。然而，在享受高收益率和安全保障之余，許多投資者卻面臨著一個(gè)共同的問(wèn)題：理財(cái)?shù)狡诤蟮馁Y金何時(shí)能夠到賬？尤其是在選擇中國(guó)最大商業(yè)銀行之一——工商銀行（ICBC）進(jìn)行理財(cái)時(shí)，更加引發(fā)了廣泛關(guān)注。

近日，《新聞周刊》記者對(duì)這個(gè)話(huà)題展開(kāi)深入調(diào)查，并揭秘了工商銀行處理客戶(hù)理財(cái)產(chǎn)品到期款項(xiàng)的時(shí)間流程及相關(guān)情況。

首先需要明確的是，不同類(lèi)型、不同金額以及不同渠道購(gòu)買(mǎi)的理財(cái)產(chǎn)品有著各自獨(dú)特的處理方式和時(shí)間節(jié)點(diǎn)。根據(jù)《新聞周刊》記者搜集整合得出以下結(jié)果：

1. 電子渠道購(gòu)買(mǎi)
對(duì)于通過(guò)網(wǎng)上或手機(jī)銀行等電子渠道購(gòu)買(mǎi)并持有證書(shū)形式（如數(shù)字化憑證）或非證書(shū)形式（直接記錄在系統(tǒng)中）存儲(chǔ)型、浮動(dòng)利率類(lèi)、結(jié)構(gòu)性存款等各類(lèi)定制化終端銷(xiāo)售機(jī)構(gòu)推介品種，則通常會(huì)在T+0至T+3個(gè)交易日內(nèi)完成兌付操作，并將相應(yīng)本息計(jì)算結(jié)果顯示于用戶(hù)賬戶(hù)當(dāng)中。

2. 柜臺(tái)辦理
若您通過(guò)柜臺(tái)向工商銀行購(gòu)買(mǎi)傳統(tǒng)居民零售信用標(biāo)準(zhǔn)債權(quán)轉(zhuǎn)讓型票據(jù)與固定利率普通純公募基金等商品，則待該筆業(yè)務(wù)確認(rèn)成功后即可獲得實(shí)際生效日期；同時(shí)還需注意是否存在節(jié)假日因素導(dǎo)致延遲清算可能性。

3. 鏈接其他機(jī)構(gòu)
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