It refers to the exchange behavior between different investors in order to obtain investment income.
It is short for “international” and has both dynamic and static meanings.
Dynamic meaning refers to the currency of one country for another, in order to pay off the international debt relations of a specialized business activities.
Static meaning refers to foreign currencies and assets expressed in foreign currencies that can be used for international settlement.
The term “foreign exchange” as it is commonly known is used in its static sense.
It is characterized by high risk, controllable risk, flexible operation, large leverage ratio and high income.
There are four types of foreign exchange investments suitable for ordinary investors :(1) the investment can be profitable either up or down. For investment business, those who have foreign exchange may consider participating in foreign exchange rate investment transactions to make profits. However, some people who have foreign exchange rates may need foreign exchange experts to help them manage their money.
(2) Option deposit (including foreign currency deposit linked to exchange rate) The annual rate of return of option deposit can usually reach about 10%. If the judgment of exchange rate change trend is basically accurate and the operation time is appropriate, it is an ideal foreign exchange investment method with short maturity, high return and limited risk.
But you need foreign exchange experts to help you manage your money.
Shenzhen already has foreign banks offering such services.
(3) Compared with the international market, the domestic deposit interest rate is still very low, but the yield of foreign exchange financial products can rise steadily with the rise of the international market interest rate.
In addition, many domestic foreign exchange financial products have a short maturity and can maintain a high rate of return. Investors can maintain a certain amount of liquidity while making stable profits.
Many banks have launched similar products that investors can choose according to their preferences, without the help of foreign exchange experts.
(4) Time foreign currency deposit This is the most popular way for investors to choose at present.
It has low risk, stable income, certain liquidity and profitability.
Different from savings, it has the advantage of choosing which foreign currency to save because foreign currencies can be freely exchanged, different foreign currency savings have different interest rates, and the exchange rate is changing all the time.
In view of the above foreign exchange financial management methods, it is necessary to effectively formulate financial management plans, determine financial management objectives, carefully study all kinds of foreign exchange financial management tools, compare the risks and benefits of different financial management methods, formulate their own foreign exchange financial management programs, and seek the optimal growth of foreign exchange assets.