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Thread: 外汇储蓄知识

  1. #1
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    Default 外汇储蓄知识

    定期外币储蓄共分五档:1个月、3个月、6个月、1年、2年,选择外币存款利率时先要对该货币的利率变动有一个预测。

    利率处在高档或呈下降趋势或者刚刚开始下跌的时候应选择长期储蓄,反之则应选择短期或活期储蓄;利率相对稳定时,可选择6个月、1年的中期储蓄;利率波动频繁时,可选择1个月、3个月或活期存款等短期储蓄。这么做的好处是既可以适时抓住升值转存的机会,又不会因为提前支取损失太大。外汇投资者应关注国际市场上货币利率的变动,调整好手中外币的存款期限,而不应一味地追求较长的存款期限。

    外币定期存款按存入日银行挂牌公布的利率计息,存期内如遇利率调整,按存单所定利率计息;存款未到期提前支取的,按支取日活期存款利率计付利息;超过存款期限支取的,超过部分,按活期存款利率计息。另外,外币活期储蓄存款采取按年度结算,以结算日银行挂牌公布的外币活期储蓄利率计息;储户全部支取外币存款时,利息按清户日活期利率计付。储户可到银行办理自动转存手续,即存款到期后,银行自动将客户原来的定期存款本息合计金额按原来存款单所定期限,根据转存日(即到期日)的银行挂牌利率转存为新的定期存款。有了这种约定,客户即使一时忘记转存也不会损失利息。

    在选择币种时,应兼顾利率和汇率两方面因素。一方面应选择高利率币种,以取得更多的利息收入,另一方面应选择硬通货币,也就是选择预期汇率将上升的币种。在二者不能兼顾时,投资者应灵活判断,相机抉择。

    外汇储蓄按其性质可分为现汇账户和现钞账户。进行外汇储蓄的投资者,可考虑现汇账户,既可方便换成外钞,也可自由进出国门,省却相当一部分手续费。最好不要轻易把汇户里的钱转入钞户,应该用多少现钞取多少现钞,以免不必要的风险和损失。

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    Default

    利率处在高档或呈下降趋势或者刚刚开始下跌的时候应选择长期储蓄,反之则应选择短期或活期储蓄

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