The Maximum Foreign Currency Income Is 4.8%.

Against the background of the depreciation of the RMB exchange rate,

It is expected that the phenomenon of obvious increase in annualized yield has not yet appeared. The expected annual yield is concentrated among 2%-3%, with the highest yield of 4.8%.

With the rise of the renminbi, many overseas students, Hai Tao people, and overseas friends who travel abroad have been disrupted.

Obviously, the depreciation of the RMB exchange rate means that more Renminbi should be used to exchange foreign currencies.

However, this market pointed out that it can be dealt with through financial instruments, thereby reducing losses.

In the view of Lu commissar, chief economist of Industrial Bank, 2015 RMB.

It will be more flexible, so it can exchange money as soon as possible when the RMB exchange rate picks up. If it has a certain time lag from foreign currency, it can participate in US dollar foreign currency financing.

In fact, reporters visited several banks and found that the number of customers who came to the bank to consult with foreign currency financial products increased after the RMB exchange rate continued to dive.

There is a tendency to go hot.

Pu Yi wealth data show that in 2014, foreign currency wealth management products accounted for 2.77% of the market, of which, the number of US dollar financial products issued was 1030, and the market share rose to 1.58%.

The market share of Australian dollar financial products dropped to 0.46% from 0.66% in 2013.

Just last week, the bank issued 26 foreign currency financial products, of which, except the Australian dollar financial products decreased by 1 compared with the previous period, the rest, such as US dollar financial products, Hong Kong dollar, euro, sterling, the number of financial products has increased or flat.

In the 22 surveys of foreign currency financial products sold in banks, the reporters found that most of the financial products that guaranteed the fixed income and the guaranteed earnings fluctuated, and the investment time was more than 6 months. However, the phenomenon that the annual yield of foreign currency financial products is expected to increase obviously has not yet appeared, and the annual yield is expected to be concentrated between 2%-3%.

Among them, the highest yield is 4.8%, and "converge treasure -HJBAQK-FEURA28D - 28 days open on a regular basis", the lowest income of financial products is only 0.05%.

It is worth noting that the 4 financial products with a yield of more than 4% are all Australian dollar financial products.

Among them, the "Deli Bao Hui Tian Li" financial products launched by Bank of Communications (December) and "Deli Bao Hui Tian Li" Australian financial products (June) are all floating capital guaranteed returns, with the expected annual yield of 4.8% and 4.6% respectively, while the expected yield of US dollar financial products and Hong Kong dollar financial products is between 1.4% and 3%.

However, analysts believe that because the RMB spot exchange rate in 2015 may be about 5% depreciation, then even if we choose about 3% of foreign currency management, we will not lose money.

Because although the average annual yield of RMB financial products is expected to be around 5% or 6%, this gain may be levelled by exchange losses.

If the foreign exchange swap seems to lose part of its income, it can actually get extra money from foreign currency management.