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Thread: 人民币告别"不跌神话" 外汇理财应多看少动

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    Default 人民币告别不跌神话 外汇理财应多看少动

      人民币升值的定式最近被改变。昨天,人民币兑美元汇率盘中连续第四日触及跌停。汇市昨天开盘后人民币兑美元以6.8845元的即期卖报价第四度触及当日波动区间0.5%的下限,再次刷新汇改以来纪录。

      自2004年以来,人民币汇率升值就成为市场的普遍预期。2005年7月,中国人民银行实施汇改并将美元兑人民币汇率从8.27重估为 8.11,从此拉开了人民币升值的序幕。不过,受次贷危机引发的金融风暴影响,自今年9月人民币兑美元中间价创下6.8085的汇改新高以后,最近两个月人民币兑美元汇率一直在6.83左右窄幅震荡。

      上月,央行行长周小川曾表示不排除人民币贬值的可能,人民币兑美元连续四个交易日的贬值,尤其是1日当天的跌停,引发市场人士的极大关注,有分析人士称,此举可能意味着人民银行汇率政策的转变。

      今年以来,汇民先后经历了澳元、欧元大涨到大跌,美元从弱走到强的不同走势,如果人民币开始走弱,外汇理财的思路是否要跟随着变化?

      银行理财师认为,在外汇市场走势尚不明朗之前,市民应该多看少动对待外汇理财。此前人民币兑澳元、欧元、英镑等大幅升值,使出国留学和旅游的成本大幅降低,如果人民币开始贬值,留学和旅游成本势必在现有基础上上升,建议市民如果有留学和旅游需求,不妨考虑将一半资金换汇,另一半资金留到明年以备观察。

      他认为,人民币只是暂时的贬值,未来还会继续升值,所以现在手中的资产不应该做特别的改动。如果已经购买了外汇理财产品,也暂时不需要做大的调整。如果现在想购买外汇理财产品,最好还是选择有稳定收益的。另外,如果有投资的打算,在近期可以在适当的时候,购买一些美元作为家庭的外汇资产配置之一,以作为分散风险的投资途径。家中配置一部分美元资产就如同配置了黄金一样,但是不应该量太大。(记者熊焱)

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    “建议市民如果有留学和旅游需求,不妨考虑将一半资金换汇,另一半资金留到明年以备观察”
    典型的锁单啊
    哈哈
    这种对冲倒是可以规避汇率波动的风险

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