What effect does the devaluation of RMB have on ordinary people-nibbuns

What effect does the devaluation of RMB have on ordinary people? In October 24th, the RMB against the U.S. dollar reported 6.7690, the highest in September 9, 2010 to a minimum. Recently, especially since eleven, the RMB exchange rate against the U.S. dollar has continued to hit a new low. What are the reasons behind this? How should we look at and respond to it? Let’s tell you about everything you need to know about the recent exchange rate of RMB with 360 tips. Devaluation of RMB, reason geometry? The recent devaluation of the renminbi, generally refers to the devaluation of the foreign exchange, mainly refers to the RMB exchange rate against the U.S. dollar weakened, there are multiple reasons. U.S. dollar strengthened recently, the Fed raised interest rates expected to promote the U.S. dollar exchange rate strengthened. In addition, in October 14th, the new rules of the U.S. money market came into effect, leading to the liquidity of the U.S. monetary fund declined, a large number of overseas liquidity gradually returned, the effect is somewhat similar to the Fed interest rate hike, so it will also promote the U.S. dollar exchange rate. During the period of RMB internationalization deepening eleven, the US dollar has been strongly strengthened. With the RMB into the SDR (special drawing right), the government has eased the attitude towards the absolute stability of the RMB exchange rate. Before joining the SDR, the RMB is inflated, and once it is involved in international circulation, this virtual high potential must be released. The government of the devaluation of the RMB tolerance increasing, devaluation is bound to happen. With the deepening of the internationalization of the RMB, in addition to the U.S. dollar, affected by the world currency exchange rate fluctuations also deepened. In recent days, the euro, yen, Canadian dollar fall, the three are the main currencies in the dollar index basket, three yuan Qi down, pushing up the dollar index higher, through the central parity pricing formula conduction to the end of the RMB, leading to devaluation of the central parity of rmb. The domestic factors of domestic factors should be viewed from two aspects: long term and short term. In the short term, the recent summer holidays connected with the National Day are the peak period for domestic residents to study abroad and travel abroad, and the outflow of funds leads to the devaluation of the rmb. In the long run, China’s economy has developed rapidly over the past decade, attracting a large number of foreign capital inflows, the international market for the RMB exchange rate overvalued, the need to release the pressure of devaluation. In the domestic foreign exchange retail market, the exchange and settlement of foreign exchange from surplus to deficit, the supply and demand of foreign currency and RMB in the market has reversed, foreign exchange from the previous supply exceeds the demand for change, the RMB exchange rate also changed from appreciation expectations to devaluation expectations. At present, a large number of capital flight, strengthening the devaluation of the RMB expected to lead to more capital fled, thereby further increasing the devaluation pressure of the rmb. In summary, the 360 small compilation believes that, in the comprehensive role of domestic and foreign, long and short term factors, the recent devaluation of the RMB appeared more obvious situation. What are the impacts? The low exchange rate of RMB is a double-edged sword. The negative effects are as follows: domestic residents spend more RMB than before when they are scouring the sea, studying abroad and investing abroad; when multinational corporations are engaged in the settlement of international trade, they may need to grasp the pricing timing because of the loss of exchange rate fluctuations. At the same time also have a positive impact: the devaluation of the RMB for domestic exports, good export business, is conducive to the expansion of overseas markets; ordinary investors can exchange money to earn income, early accumulation of swaps and overseas investment experience in the big background of asset allocation under the globalization. For domestic gold investors, rmb.

人民币持续贬值 对普通人有啥影响?10月24日,人民币兑美元中间价报6.7690,创2010年9月9日来最低。近期,尤其是十一以来,人民币对美元汇率不断创下新低。背后究竟有什么原因?我们又应该如何看待和应对?融360小编告诉你关于人民币近期汇率,你需要知道的一切。人民币贬值,原因几何?近期人民币贬值,一般指对外贬值,主要指人民币对美元的汇率走弱,有多重原因。美元走强近期,美联储加息预期升温,推动美元汇率走强。此外,10月14日,美国货币市场新规生效,导致美国货币基金的流动性下降,大量海外流动资金逐渐回流,效果与美联储加息有些类似,因此也会推动美元汇率走强。人民币国际化程度加深十一期间,美元强势走强,伴随着人民币纳入SDR(特别提款权),政府对绝对稳定人民币汇率的态度有所缓和。在加入SDR之前,人民币虚高,一旦参与国际流通,这种虚高势必要得到释放。在政府对人民币贬值容忍度加大的情况下,贬值就势必发生。随着人民币国际化程度不断加深,除美元外,受世界各国货币汇率波动影响也随之加深。近期欧元、日元、加元齐跌,三者均为美元指数篮子中的主要币种,三币齐跌推升美元指数走高,通过中间价定价公式传导到人民币端,导致人民币中间价贬值。国内因素国内因素应从长期和短期两方面来看。短期而言,近期暑期连接国庆假期,是国内居民境外留学、旅游、的购汇高峰期,资金外流导致人民币贬值。长期看来,中国经济近十几年来飞速发展,吸引大量境外资金流入,国际市场对于人民币汇率存在高估,需要释放贬值压力。在国内外汇零售市场,结售汇由顺差转为逆差,市场外币与人民币的供求关系出现逆转,外币由之前的供大于求变为供不应求,人民币汇率也由升值预期转变成贬值预期。当前,大量资金外逃,强化人民币贬值预期,导致更多资金出逃,从而进一步增加人民币的贬值压力。综上,融360小编认为,在国内外、长短期因素综合作用下,近期人民币才出现了较为明显的贬值态势。带来的影响有哪些?人民币汇率走低,是一把双刃剑。消极影响体现在:国内居民在进行海淘、留学、海外投资时,较之前要花费更多人民币;跨国公司在进行国际贸易结算时,可能由于汇率波动承受损失,需要把握定价时机。同时也有积极影响:人民币贬值利于国内出口,利好出口企业,有利于扩大海外市场;普通投资人可以换汇赚收益,在资产配置全球化的大背景下提前积累换汇和海外投资经验。对于国内黄金投资者而言,人民币贬值是利好消息。人民币贬值,美元升值,黄金又以美元计价,所以黄金价格上升。所以,对之前持有黄金的投资人是利好消息。但对于新投资人而言,就可能属于高位入场,存在接盘和套牢的风险。如何看待人民币连续贬值?人民币贬值存在必然性:近年中国经济增长的走弱,给人民币汇率带来了贬值压力。目前的连续贬值,一定程度的贬值顺应了市场走向,有利于人民币汇率与经济基本面的协调。人民币连续贬值,是人民币国际化的体现,有利于人民币汇率的进一步市场化,人民币受全球货币汇率影响加大,央行对人民币贬值的容忍度也有所提高。当前人民币的贬值,属于缓慢的、可控的、有序的贬值。因为10月以来,美元指数累计上涨3%,超过100种货币对美元有不同程度的贬值,人民币的贬值不足为怪;目前人民币虽处于贬值之中,但贬值幅度处于正常区间;相比于2015年汇改后的无序大贬值,目前人民币贬值是有序贬值,不会像去年一样造成巨大冲击。人民币会否继续贬值?短期内,美联储有较强的12月加息预期,届时美元将走强;而为提振经济,中国央行短期内降息概率远大于加息概率,货币政策的差异将导致人民币贬值。但长期看来,人民币不会大幅持续贬值。首先,中国GDP增速领先全球,外汇储蓄高、账户顺差大;其次,虽然国际市场对人民币汇率存在高估,但是近年来,央行也未放任人民币升值,因此贬值空间也不大。综上,融360小编认为,人民币在短期内仍将缓慢持续贬值,但长期看来并无大幅贬值的基础。相关的主题文章:

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