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Thread: 手中美元不要盲目兑换 结汇应选择好时机和方式

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    Default 手中美元不要盲目兑换 结汇应选择好时机和方式

    人民币小幅升值以及境内美元、港币存款利率多次上调,使得市民外汇理财呈现风险,而在人民币汇价波动的背景下,市民手中持有的美元等外汇资产可能贬值。针对不少市民的疑虑,银行理财专家专门给市民支了三招。
      美元不要盲目兑换
      人民币汇价波动受到最大冲击的就是持有美元资产的市民,但是否要把美元换成人民币不宜盲目跟风。中国银行人士分析,目前这一篮子货币的具体构成、权重及挂钩幅度将随着市场不断进行调整。目前美元一买一卖要承担1%左右的价差,而且换汇手续也比较麻烦;另外,美元存款利率仍可能上浮,各家银行推出的外汇理财产品的收益率也将水涨船高。招商银行人士则建议,如果美元在家庭总资产中的持有比重过高,将美元结汇成人民币则是可取的。
      结汇应选择好时机和方式
      对于基本不使用外币的市民,最稳妥的办法就是结汇,持有本币。交通银行人士指出,首先需要结的就是那些没有明确使用规划的外汇。对于这部分外汇,与其让它躺在账户上悄悄缩水,还不如尽早结汇,避免汇率损失,但结汇的时机也大有学问。
      人民币牌价每天允许有3的波动,而汇改以来人民币也有上涨和下跌的波动空间,投资者完全可以选择在某一个汇率较高的日期进行结汇。除了美元外,各家银行间其他外币的价格却相差不少。
      目前银行对客户的游戏规则是:美元对人民币现汇买卖牌价,不得超过央行公布的美元交易中间价上下0.2%;现钞买卖牌价不得超过现汇买卖中间价上下1%。非美货币的汇价波动幅度更宽,现汇买卖牌价差不得超过现汇买卖中间价的0.8%;现钞买卖价差不得超过现汇买卖中间价的4%。因此,非美货币尤其是现钞的价差比较大,先换成美元再结汇可提高收益。
      外汇理财须关注终止方式
      外汇资产的最大风险是汇率风险,而避免汇率变动风险的关键在于选择合适的理财产品终止方式。去年美元下跌幅度超过20%,如果客户恰在此期间购买了不能提前赎回的美元外汇理财产品,损失的汇差就大了。
      外汇理财产品的终止有自动终止、银行终止、客户终止等情况,但多数外汇理财产品属于银行单方面终止。专家指出,在汇率发生变动的情况下,市民应首选可由客户终止的外汇理财产品;如选择其他终止方式的理财产品,也应尽可能地投资短期品种,最好是分期投入。

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