RMB devaluation and devaluation want to preserve value should pay attention to these 4 points!-月丘うさぎ

RMB devaluation and devaluation want to preserve value should pay attention to these 4 points! 2016 last holiday just ended, although the national day during the constant wind cooling, but the domestic small partners outbound travel heat unabated. Once the exit, it relates to the "money" problem. Intermittent abroad just need to bring the intermittent need "strong dollar swap, RMB exchange rate fluctuations, ordinary investors should put in the hands of the RMB for USD value?" Since the British removed from Europe, investors have been asked to melt 360 small editing this problem. 360 small financial advice is simple: as the investment of foreign currency financial swap, but the minimum threshold for foreign currency financial 1 million, does not meet the threshold, and not just the overseas investors, foreign currency financial operability is not strong, little significance. However, for overseas investment and overseas in equal foreign demand is really just a few people; but the sea Amoy, tourism and other short-term demand abroad but especially the nodes in the There are plenty of people who, golden week, a lot of people have intermittent abroad just, so it’s necessary to deal with intermittent foreign currency. Although the renminbi has been SDR into the basket, but out of the country, the foreign exchange or swap. Thaw 360 small study found that you also have knowledge greatly. Foreign currency bank card: dual currency card is better than single currency card, travel abroad safety first, carry small amount of foreign currency, large amount of money or to deposit in bank card, here "bank card" refers to foreign currency bank card. Foreign currency card can be divided into the single currency card and dual currency card, can also be divided into debit card and credit card. According to the 360 small book, the dual currency card is better than the single currency card, while the debit card and credit card are different from each other. The single currency card, deposit and credit are for foreign currency, only suitable for use outside the country, strong limitation; the most common or dual currency card, a card at the same time with the RMB and foreign currency to specify the current settlement account, the domestic RMB as the settlement currency for consumption or cash in foreign currency to specify; the settlement currency for consumption or cash, very convenient. The difference between debit card and credit card is not very different from that in China. Dual currency credit card is a common credit card at home and abroad, which is settled by RMB and a designated foreign currency, and can be paid by RMB for foreign currency bills. Dual currency debit card fee, low deposit interest, but not overdraft; dual currency credit card can be overdrawn, flexible repayment methods, but a higher annual fee. According to the 360 small compilation, it is advisable to choose dual currency credit card if it is often consumed abroad; if it is only occasionally consumed abroad, the dual currency debit card can be applied. Swap time: advance swap, to avoid the peak period even though there is a foreign currency bank card, after all is to carry. The real "war" is also started from the swap. The data show that among the 20 most popular destinations for outbound tourism during the National Day in 2016, Thailand, Japan and Europe and the United States have the highest popularity; Hongkong, China, Taiwan, Singapore, Korea, Indonesia, Vietnam and other places are also very popular. These countries and regions can be in exchange for money, in the domestic banking outlets, but the process may be very painful swap. Every holiday, banks are no suspense, will usher in a wave of cash buying foreign exchange peak. The dollar, the euro, the Canadian dollar and other currencies are in short supply, even for a small minority

人民币一贬再贬 想保值需注意这4点!2016年最后一个假期刚刚结束,虽然国庆期间不断大风降温,但国内的小伙伴们出境游热度不减。一旦出境,就涉及到了“换钱”的问题。间歇性出国刚需,带来间歇性换汇需要“美元走强、人民币汇率波动下,普通投资者是否该把手里的人民币换成美元保值?”从英国脱欧之后,就一直有投资人问融360小编这个问题。融360小编的建议一般是:单纯换汇不如投资外币理财,但外币理财门槛最低100万,对于既不满足门槛,又没有出国刚需的投资人而言,外币理财的可操作性不强,意义不大。然而,做海外投资、有留学等长居国外需求的人确实只是少数;但有海淘、旅游等短期出国需求的却大有人在,尤其是在黄金周节点,很多人具备了间歇性出国刚需,所以也有了间歇性与外币打交道的必要。虽说人民币已经入篮SDR,但出了国门,该换汇还是要换汇。融360小编研究发现,换汇也大有学问。外币银行卡:双币种卡优于单币种卡出国旅游安全第一,随身携带小额外币,大笔金额还是要存入银行卡,这里的“银行卡”是指外币银行卡。外币卡可分为单币种卡和双币种卡,也可分为借记卡和信用卡。融360小编认为,双币种卡优于单币种卡,借记卡和信用卡的优劣则是因人而异。单币种卡,存款、信用额度均为外币,只适合在境外使用,局限性强;目前最常见的还是双币种卡,一张卡内同时具备人民币和指定外币的活期结算账户,在国内以人民币为结算货币进行消费或取现;在国外以指定外币为结算货币进行消费或取现,非常便捷。借记卡和信用卡的区别与国内差别不大,双币信用卡是境内外通用的贷记卡,以人民币和某一指定外币结算,在境外支付外币账单,可使用人民币购汇偿还。双币借记卡年费低、存款计付利息,但不可透支;双币信用卡可以透支,还款方式灵活,但年费较高。融360小编认为,如果经常在境外消费,选择双币信用卡为宜;如果只是偶尔在境外消费,办理双币借记卡即可。换汇时机:提前换汇,避开高峰期虽然有了外币银行卡,毕竟还是要随身携带零钱。真正的换汇“大战”也是从此打响。数据显示,在2016年国庆期间最热门的20个出境游目的地中,泰国、日本、欧美人气最高;中国香港、中国台湾、新加坡、韩国、印尼、越南等地也颇受欢迎。上述国家和地区的货币,都可以在国内银行网点换取,但换汇过程可能痛苦异常。每逢节假日,银行都毫无悬念会迎来一波现金购汇高峰。美元、欧元、加元等币种供不应求,即便是稍微“小众”一点的币种,往往也要等候数十个人、排队两三个小时才能换到。雪上加霜的是,节假日期间,银行的营业时间一般会缩短,按日常时间表赶到的投资人很可能无法及时换汇。或许有人要问融360小编:“可是很多银行在节假日都有购汇优惠,提前换汇不就错过了吗?”实际上,对于换汇金额较小的市民而言,优惠前后价差并不大,不足抵消长期排队的时间成本。毕竟,出行之前需要做很多准备,请半天假排队还要扣半天工资呢。去银行换汇:大银行存量最充足,需要横向比价去哪儿换汇?这几乎不是一个问题。目前,能为个人兑换外汇现钞的多是国有大行,大银行外汇现金存量充足,又绝对保真,无疑是最保险的渠道。大银行兑换外币的挂牌价一般紧跟国际汇市的变化,但并非全部相同。考虑运营成本和营销需要,各银行的挂牌价格有所不同。为换到更实惠的挂牌价,融360小编建议大家不妨下载相关软件或手机APP,可以轻松查到每家银行的报价,进行横向比较,省时省力。此外,为避免去大银行扎堆排队,投资人也可以选择中小银行,通过电子渠道办理换汇;或去往银行机场网点换汇,但可能会遭遇存量不足的问题。银行之外的选择:外币兑换机构手续费最高事实上,市民在非银行机构也可以换汇——通过经国家外汇管理局批准、提供面向境内外个人换汇服务的外币兑换机构。外币理财机构挂牌价与银行持平,多数分布在各大机场的航站楼,不难找到。此类机构的优势有三:外币现钞充足,很少出现供不应求的情况;营业时间一般比银行长;因为经过国家外汇管理局批准,安全性和正规性有保障。美中不足的是手续费较高,每笔业务至少收取50元。在刚刚过去的黄金周,你是否错过了最佳的换汇时机、错过了更优惠的挂牌价、花费了高额手续费?没关系,再过三四个月,放年假出境游时再学以致用吧。作者:拖姜鼠相关的主题文章: