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Since July 21, 2005 to implement the basis of market supply and demand, with reference to a basket of currencies conditioning, a managed floatingbmw gt1 exchange rate system, RMB exchange rate against the dollar all the way up, a series of breaking customs. RMB exchange rate continues to rise, leading to many holders of foreign exchange assets face "diminished" the threat. So, how to properly dispose of the foreign exchange-on-hand appreciation of the renminbi to avoid the risks associated with it »

Whether the settlement of other blind

Minsheng Bank foreign exchange, financial experts said Chen Hong, according to the settlement of foreign exchange held by the hands of the specific use. If the hands of the foreign exchange is to go abroad, their children overseas to study, and other specific purposes, is not now on the proposed settlement. In addition, the proportion of assets in foreign currency assets account for only a small part of, nor do the proposed settlement. In fact, in the portfolio are to remain part of foreign exchange, can have the opportunity to share in other markets, the investment income. However, if the proportion of assets in the Exchange ratio is too large, can do a certain benz starproportion of foreign exchange.

In addition, the Shanghai branch of China Merchants Bank foreign exchange financing expert financial centre of Zhao Wei, the renminbi to appreciate now the trend will not change, to those holders of the dollar and HK dollar, if they did not clear the use of foreign exchange and investment purposes, could be considered A settlement.

Select the appropriate investment product

Bank of the types of financial products will become increasingly rich, investors need to integrate products under their own conditions of the choice of suitable investment products. Bank of Communications Wang Peng Exchange fiscal experts suggested that investors in the choice of financial products, it is necessary to understand their needs and risk tolerance, have a clear understanding of market and product links contained in the risk, but also a good choice of products available at the agency.

At the same time, foreign investment, consider the following aspects are also indispensable.

First of all, investment in foreign currency assets is the diversity of our wealth management options, the existing fixed-income categories and cash equivalents type of investment products and channels have been sufficient for us to the level equivalent to the average interest income, investment products outside the main asset allocation should be Is the equity assets.

Secondly, the main pressure on RMB appreciation on China's trade surplus from the main countries of origin the United States, therefore, outside the finance and investment products should be major investment that can produce the euro, sterling and other non-dollar cash flow income products.

Foreign currency savings have tips

Although the banks have opened Po Exchange, the Exchange structural deposits, and other varieties of foreign exchange finance and investment, but most people still think or participate in the foreign currency savings, is the most secure finance and investment methods.Portable Media Player However, participation in foreign currency savings have participated in the foreign currency savings tips.

Tip 1: cleverly selected to be savings deposit period, foreign currency deposit rates in general will be the impact of international financial markets, its stability is very poor, more frequent changes in interest rates, volatile and Change. In comparison, if the interest rate in a relatively stable and high, has chosen a long period of some of the regular foreign currency savings, such as the one-year, 2-year foreign currency savings.

Tip 2: Zidongzhuancun agreement with the bank, with this agreement, even if the foreign currency depositors 1:00 forget to keep their foreign China OEM SD Card|currency savings will not be regular loss should not be loss of interest.

Tip 3: Society "than the rate of three," because the central bank's short-term foreign currency fixed deposit interest rate adjustments that banks can be in the interest rate cap provisions of the Central Bank within the self-correction, depositors in foreign currency China OEM USB|savings deposits at the store if we do not "rate than 3 "may be a disadvantage, thereby reducing interest income.

Tip 4: Flash MP4 Players reasonably good use of cash, cash accounts, due to "cash account" business needs to pay a certain amount of fees, foreign currency depositors not to cut "cash accounts" in the money easily turn into "cash accounts" should be How much cash from the number of cash, in order not to create unnecessary loss of their own.