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Thread: 教你一招 赚取外汇利差

  1. #1
    jqj20020812
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    Default 教你一招 赚取外汇利差

    作者:佚名
    中国人民银行自去年5月23日起下调境内中资商业银行美元、港元和瑞士法郎的小额存款利率。这以是半年时间内连续第六次降低美元和港元存款利率。由于不同的外汇币种具有不同的存款利率,只要善于将利率低的货币兑换成利率高的货币,储户可以通过利差减少利息损失。   假设一年期的英镑存款利率为5.5%,同期的美元存款利率为5%,它们之间的利差为0.5%。再假设它们之间的当期汇率为1英镑=1.5美元,那么如果不考虑汇率波动因素的话,一笔1500美元一年期存款的本息之和为1575美元[1500(1+5%)],折成英镑为1050英镑(15751.5)。但如把这1500美元先兑换成1000英镑,存上一年的本息之和则为1055英镑[1000(1+5.5%)]。简言之,同样数额的存款,存英镑要比存美元多0.5%的利差。   但是,这只有在汇率不变的情况下才能实现。换句话说,如果到了一年存款期满时,它们之间的汇率波动为1英镑=1.48美元,则用英镑存款的1055英镑本息之和折合成美元为1561.4美元(10551.48),反而比用美元存款少了13.6美元(1575-1561.4),这是因为一年间英镑与美元之间的汇差达1.33%之故[(1.50-1.48)/1.50]。所以,在汇差大于利差的情况下,套利交易是得不偿失的。事实上,由于供求关系,外汇市场上利率高的货币远期汇率确实会下降,汇差大于利差的情况确实存在。故而在套利交易中,必须把汇差和利差的因素加以综合考虑才行。当然,如果有了远期外汇交易市场存在,人们可以用掉期的方法既避免汇率波动风险,又赚取利差,这种做法叫做抵补套利。

  2. #2
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    确立价格运行的方向,对于交易全局的成败,有着极重要的价值

  3. #3
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    赚取外汇利差 ---是得不偿 失的。

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    呵呵为一点外汇利差,也不用来外汇市场上投机了

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