人民币对美元汇率近期出现明显回升，在岸人民币对美元汇率昨日升破7.14关口，较7月24日盘中低点7.2776已升值近2%。这一趋势引发了市场对于换美元定存是否划算的讨论。
据了解，国内部分银行近期推出的美元存款产品年化利率高达5%，吸引了大量投资者将人民币换成美元进行存款。然而，业内人士提醒投资者在考虑是否换美元定存时，应综合考虑汇率风险和汇兑成本。
以江苏银行为例，该行1万美元起存的1个月期定存利率为5.05%，3个月期为4.95%，6个月期为4.80%，1年期为4.70%。相比之下，国有大行的美元存款利率相对较低，但起存金额较高。
银行业内人士指出，对于原本持有美元的投资者来说，美元存款的吸引力较大；但对于用人民币换美元的投资者，则需要关注人民币汇率的波动，以及换汇时可能产生的成本。如果人民币汇率继续上涨，美元存款的收益可能被汇率变动所抵消。
对于是否换美元定存，投资者应根据自身的资金状况、风险承受能力和汇率预期做出决策。同时，也要关注未来人民币汇率的走势，以及国内外经济形势的变化，做出合理的资产配置。
英语如下：
News Title: “RMB Rebound! Is it Still Profitable to Deposit Yuan for Dollars?”
Keywords: Currency Rebound, Dollar Savings, Profitability
News Content: The RMB’s exchange rate against the US dollar has shown a significant rebound recently. The onshore RMB exchange rate against the US dollar broke through the 7.14 threshold yesterday, having appreciated nearly 2% from the intraday low of 7.2776 on July 24. This trend has sparked discussions among market participants about the profitability of depositing Yuan for dollars.
It is understood that some domestic banks have recently introduced dollar deposit products with annualized interest rates as high as 5%, attracting many investors to exchange RMB for dollars to deposit. However, industry insiders remind investors to consider both the risk of exchange rate fluctuations and the cost of currency conversion when deciding whether to deposit Yuan for dollars.
For example, Jiangsu Bank offers an interest rate of 5.05% for a 1-month deposit of $10,000, 4.95% for a 3-month deposit, 4.80% for a 6-month deposit, and 4.70% for a 1-year deposit. In comparison, the interest rates for dollar deposits at state-owned banks are relatively lower, but the minimum deposit amount is higher.
Insiders in the banking industry point out that for investors who already hold dollars, the attraction of dollar savings is considerable; however, for investors who exchange RMB for dollars, they need to pay attention to the fluctuation of the RMB exchange rate and the costs that may arise during the exchange. If the RMB exchange rate continues to rise, the potential earnings from dollar savings may be offset by changes in the exchange rate.
Investors should make decisions on whether to deposit Yuan for dollars based on their financial situation, risk tolerance, and currency expectations. At the same time, they should also pay attention to the future trend of the RMB exchange rate and changes in the domestic and international economic situation, making a reasonable asset allocation.
【来源】http://www.chinanews.com/cj/2024/08-15/10269093.shtml
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