Interpretation Of New Thinking Of RMB Under Marketization

< p > in the eyes of the industry, foreign currency financing is actually not a risk.

The RMB exchange rate will not continue to depreciate, and the future will be two-way volatility.

The era of two-way fluctuation of RMB exchange rate has come. Are you smart enough to prepare your own financial agent? < /p >

< p > strong > buy < a href= "http://www.91se91.com/news/index_c.asp" > US dollar < /a > /strong > /p >

< p > < strong > friends circle, hot discussion on fixed investment project < /strong > < /p >

Ms. Feng, who lives in Guangzhou, has recently changed thousands of dollars in Renminbi. For her, it seems to have become a "fixed investment project" for her in recent months. Almost every month, she will deposit thousands of dollars in her Hongkong account. P

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< p > "I think the RMB exchange rate will probably continue to fall."

MS Feng, like analysts, said the reason for her new "fixed investment project".

In her view, the RMB has appreciated for several years against the US dollar, and it has been converted into dollars earlier. On the one hand, it is preparing for the children's future overseas study, and on the other hand, it is to make their assets better protected.

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< p > "anyway, there are plans for children to go abroad to study in the future. It would be better to save more dollars for them when the RMB exchange rate is higher than that of the US dollar," Feng said.

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< p > Ms. Feng admitted to reporters that in the circle of her friends, the renminbi as a fixed investment project can be seen everywhere.

In order to save hundreds of yuan handling charges from the RMB account to the Hongkong account, Ms. Feng often asked Hongkong friends to save money for her account in Hongkong.

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< p > "in fact, I am very conservative and stupid. Many banks ask me if I want to make financial products. They are rejected by me. I think it is the most secure deposit."

MS Fung laughed half mockery. At present, the foreign exchange deposit rate is lower than that of the bank's financial products, but at least the capital preservation is "to protect the value. If the investment is paid, it will be more than enough."

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< p > < strong > chicken ribs turn over < /strong > /p >

< p > < strong > > a href= "http://www.91se91.com/news/index_c.asp" > Foreign Currency Management > /a > earnings doubled < /strong > /p >

< p > "for foreign banks, foreign currency management is really a very small part."

A bank financial planner admitted to reporters, but recently, this kind of foreign currency financing rate has almost doubled as compared with last year.

Previously, there were only 3% Australian dollar financing, and now many banks have given more than 5% expected yield.

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< p > it is understood that in February 28th, CITIC Bank set up a fixed income financial product in December, and its annualized yield has risen to 5.4%, while the yield of the same product in December 20th last year was only 4.6%.

A one-year foreign exchange financial product issued by Societe Generale Bank issued at the beginning of the year, the reference rate of net profit of customers is only 4.1%. In March, when the new issue was released, it had also risen to 5.1%.

In April, ICBC's US dollar wealth management product expected to yield 4.1%, while the Bank of communications's annual yield of Australian dollar financial products was as high as 5.55%.

According to incomplete statistics, since March this year, banks have launched 175 foreign currency financial products.

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According to the data of "P", the total number of foreign currency financial products issued by commercial banks in 2013 is 1702, of which 1300 have less than 3% expected annual yield.

That is to say, the yield of foreign exchange financing this year has almost doubled compared with most of last year's products.

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< p > < strong > advance purchase of foreign exchange < /strong > < /p >

< p > < strong > online purchasing. The voice is < /strong > < /p >.

< p > recently, on the Internet, < a href= "http://www.91se91.com/news/index_c.asp" > purchasing agent "/a" > "rise", many "Hai Tao people" shouted "loss".

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< p > "the original price of a 60000 won is equivalent to 333 at the previous exchange rate of 180, which is equal to 394 at the current rate of 152." on the Taobao, a Korean purchasing seller complained that the exchange rate fluctuation could not be enough for itself.

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< p > mothers are most sensitive to the price of milk powder.

"The same price is 6 cans. The price in the first two days is 70 yuan more than that at the end of last year."

Many netizens have found that many of the businesses that purchase milk powder have adjusted their prices in the near future.

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< p > in addition to online purchasing, consumers often find that the renminbi is not so valuable when they travel abroad, which has increased their expenditure virtually.

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"P > reporter consulting travel agencies learned that in the short term, the impact of RMB devaluation on outbound travel is not large." travel routes in Europe and the United States are very mature, and the price of fares generally does not have much adjustment because of the phased exchange rate fluctuations. "

However, travel agents also said that in the era of RMB appreciation, consumers in overseas shopping actually enjoyed the exchange rate benefits, which was equivalent to a lot of things.

Now, the cost of tourists abroad will increase.

It is suggested that the purchase of foreign currency in advance or in batches should be cost effective.

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