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Thread: 外汇理财产品都有哪些分类

  1. #1
    yushengbin
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    Default 外汇理财产品都有哪些分类

    银行外汇理财产品主要可分为两大类。
      一、和汇率挂钩的外汇产品;
      二、是和利率挂钩的外汇产品。
      对于和汇率挂钩的外汇产品,主要特点是收益率通常设定在一个区间,获取收益的高低往往和两个币种的汇率相关。
      对于和利率挂钩的外汇产品,又可根据收益率是否固定分为两类。
      一、收益率在一个区间内浮动,并常和国际市场的拆借利率挂钩,如hibor或libor.例如:如果2005年libor完全在(0,3)范围内波动,投资者可获得4%的年收益,但是超出此范围的天数,投资者将不能获取收益。这样,投资者需要了解hibor或libor近年的走势,并对今后的变化加以分析,以便了解可获得收益率的波动范围。
      二、完全固定的利率。例如,3年累计收益率10.5%.也许有人通过简单的计算得出每年3.5%的收益。但是,这类产品并非如此简单。投资者仍需仔细阅读合同条款。如果合同中解释为:第一年收益率2.3%,第二年收益率为3.7%,第三年收益率为4.5%,而且银行每三个月有权终止

  2. #2
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    学习了

    只是收益太小了
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