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Thread: 国内个人外汇理财形势

  1. #1
    fx5858
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    Lightbulb 国内个人外汇理财形势

      工行推出汇市通与中行外汇宝对撼,头9个月交易便突破60亿美元

      那边中行向此前已大幅调低价格的同业发起反攻战才打响不久,这边工行广东省分行又开始为其个人外汇买卖业务新品牌汇市通推出全新的攻略,并以头9个月60多亿美元的交易额大声宣布已稳居广东金融业之首。到底同业会作何反应,尽管目前大家似乎都想保持缄默,但谜底的揭晓相信是不需要等太久的。

      价格仍是敏感因素

      尽管一直以来,业内都对价格战表现出非常谨慎的态度,而更喜欢用增值服务作为自己值得标榜的优势,但一个无可否认的事实是,价格仍是客户去留的一个很重要的因素。前一段时间中行广东省分行将7万美元(含)以上的单笔交易的买卖差价从原来单边11点下降为5点,降幅可谓达到了一半以上,从最近的交易情况看,客户回流的效果还是令人满意的。而工行尽管在7万美元及以上档次的交易差价比中行高出2点,但2000美元档次平均却比中行低,而且在优惠档次的设置方面似乎更多地出于网罗中小客户考虑。从去年区区几个亿到今年头9个月60多亿美元的交易情况看,这在同业中绝对是个空前的交易量了,不能不算是个奇迹。

      更多是图间接收入

      除深圳外,目前广东的外汇储蓄存款也达到了100多亿美元,个人外汇买卖业务的市场潜力是显而易见的,近年来国内不少商业银行的个人外汇买卖确实都出现了双位数增长。但另一方面,业内人士坦言,相对于国外银行同业100万美元的交易差价也要3-5点,目前国内个人外汇买卖可谓已经相当优惠了,应该说已经没有多少再降的可能性了,事实上对银行来说,个人外汇买卖还存在着平仓的风险。各家银行之所以没有把再次下调的后门堵死,而且将竞争引向了服务领域,显然更多的是出于对带动存款以及外币结算业务所带来的间接的考虑。据悉,除了同样可以提供电话交易、网上交易、柜台交易等多种交易方式外,工行在汇市沙龙分析服务、模拟外汇交易大赛等都开始了多个方面的尝试。

      政策放宽才是双赢根本

      有业内人士认为,个人外汇买卖业务日渐成为各大商业银行竞争焦点,一个重要原因是目前国内商业银行个人外币业务经营的品种实在是太少了,在目前政策环境的限制下,即使是外币的存单作质押,也只能得到8成的人民币贷款。而且尽管国内商业银行都有了成套的规章或被业界认为已经到了该推出的时候,但像期权等金融衍生工具仍是一片空白,这使得目前的个人外汇买卖最多也只能做单向交易,因此假以时日,国内的相关政策放宽后才应该是个人外币业务大发展的好时机。

  2. #2
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    国内保证金点差太大了,难做

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