[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2024120411012226266":3,"related-JP2024120411012226266":35},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"fileInputUrl":11,"articleTitle":12,"coverImage":13,"listImage":14,"introduction":15,"description":16,"nonVipDescription":17,"postTime":18,"viewTime":19,"sortNumber":20,"isFree":21,"isShowList":7,"isRecommend":21,"linkType":7,"isOriginal":6,"hasMiniUrl":21,"miniUrl":11,"miniScheme":11,"miniImage":11,"itemTag":11,"createBy":22,"updateBy":22,"createTime":23,"visitCount":24,"isLiked":21,"realSearch":25,"isRead":21,"productId":26,"isCollected":21,"collectCount":27,"vipExclusive":21,"allowComment":7,"style":28,"likeCount":29,"duration":21,"playStyle":7,"seoKeywords":11,"articleModuleVoList":30,"extendContentList":31,"noteCount":32,"categoryList":33,"dailyKeywordList":34},10,6633,"1",1,"JP2024120411012226266","1041018",3,"","哇，还有5%的低风险理财","https:\u002F\u002Fimage.jane7.com\u002F3375725c-d389-414b-8026-187a459f2892.png","https:\u002F\u002Fjane7-prod.oss-cn-hangzhou.aliyuncs.com\u002Fmanager\u002Farticle_default_img.png","聊聊美元理财","\u003Csection>\n \u003Cp style=\"text-align:left; line-height: 2em; margin-bottom: 0px; margin-left: 15px; margin-right: 15px;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255);font-family:Optima-Regular, PingFangTC-light;\">晚上好~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">前两天，我和朋友小珍吐槽，说现在理财收益太低。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">小珍却说，她买到了一款5%的理财。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">「这年头哪儿还有5%的产品，别给骗了吧」\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">她甩来产品截图，这是一款美元理财，最近的年化收益率还真有5%。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F2fb2017c-7b0f-4f04-bbe9-3d29142824d5.jpg\">\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">说起来，我去年买过美元存款，马上要到期了，银行利率降了一大截，刚好发愁要买啥。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">借着这个机会，我好好研究了一下美元理财，觉得对有\u003Cstrong>全球资产配置需求的朋友\u003C\u002Fstrong>来说，是个不错的选择，但也要注意\u003Cstrong>几个盲区\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"font-size: 14px;color: rgb(217, 33, 66);background-color: rgb(255, 254, 213);\">*风险提示：本文所提及的理财产品，仅为示例参考，不作任何投资推荐。投资有风险，决策需谨慎。据此买卖，请自担风险。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Cp style=\"text-align:center; line-height: 2em; margin-bottom: 0px; margin-left: 15px; margin-right: 15px;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fbf94fe45-6777-4850-8059-662e1498e876.jpg\">\u003Cstrong style=\"color: rgb(34, 34, 34);font-size: 16px;text-align: center;caret-color: rgb(51, 51, 51);background-color: rgb(255, 255, 255);letter-spacing: 0.578px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"color: rgb(214, 168, 65);\">01\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">美元理财，顾名思义，就是用美元买的理财产品。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">咱们先换美元，给到理财公司的管理人，他们再拿这笔钱，去买美元存款、美元债券。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">这两年，美元利率居高不下，所以投向美国的存款、理财走势也都挺好的，年化在4%-5%左右。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">拿小珍买的这款产品来说，她买了2万美元，现在每天躺收2-3刀，约15-22块人民币，拿下咖啡自由~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fb558d0e4-9657-4229-b012-c7d24b1aad8f.jpg\">\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin: 0px 15px 16px; padding: 0px; display: block; outline: 0px; max-width: 100%; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-size: 14px;color: rgb(136, 136, 136);font-family:Optima-Regular, PingFangTC-light;\">图源：小珍买的美元理财收益\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">不过，我仔细看了下产品说明，发现小珍忽视了\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);background-color: rgb(255, 218, 169);font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>1个风险\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">首先，美元理财，并不是只涨不跌的。它和一般理财一样，\u003Cstrong>净值随着底层资产的净值波动，有可能亏损\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">银行会给产品「贴标签」，R1是风险最低的，R2、R3的风险逐级增加。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">拿小珍买的这款产品举例，\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);background-color: rgb(255, 218, 169);font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>它的风险等级是R2的\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">，属于中低风险。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">具体看投资范围，资金投向了\u003Cstrong>45%的存款+50%的中资美元债+5%活期存款\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fa76f4e3d-7672-4b7f-bd17-8e33ec17b442.jpg\">\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin: 0px 15px 16px; padding: 0px; display: block; outline: 0px; max-width: 100%; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-size: 14px;color: rgb(136, 136, 136);font-family:Optima-Regular, PingFangTC-light;\">图源：小珍买的美元理财投向\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">这里说一下\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);background-color: rgb(255, 218, 169);font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>中资美元债\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">，它是指中资企业在海外发行的美元债券，以往是地产公司发得比较多。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">中资美元债的风险点，有两个——\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">一是来自利率\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">。利率和债券价格成反比，如果利率上升，债券的价格可能会下跌，特别是长期债券。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">二是来自信用，也就是债券违约\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">。产品说明书里，并没有提到具体买了哪些公司的债券。但是看同名产品的历史收益，去年6月曾经突然大跌过。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F738efded-7d88-45bc-b495-339c90f93551.jpg\">\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin: 0px 15px 16px; padding: 0px; display: block; outline: 0px; max-width: 100%; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-size: 14px;color: rgb(136, 136, 136);font-family:Optima-Regular, PingFangTC-light;\">图源：小珍买的美元理财历史收益\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">如果不想承受惊心动魄，只想拿到美元的高利率，可以找找市面上\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);background-color: rgb(255, 218, 169);font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>R1等级（低风险）的美元理财\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">R1的产品，一般只买美元存款、存单，没有美元债券，更纯粹些。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fe33bbf4e-14d4-4f64-8f89-8d19219a637a.jpg\">\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin: 0px 15px 16px; padding: 0px; display: block; outline: 0px; max-width: 100%; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-size: 14px;color: rgb(136, 136, 136);font-family:Optima-Regular, PingFangTC-light;\">图源：某R1低风险美元理财投向\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">不过，理财收益率会跟着美联储的政策走。像是近来美联储降息，R1美元理财的年化回报，也普遍降了些。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fa204a3bd-6514-4051-be26-0e9bf19c7993.jpg\">\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin: 0px 15px 16px; padding: 0px; display: block; outline: 0px; max-width: 100%; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-size: 14px;color: rgb(136, 136, 136);font-family:Optima-Regular, PingFangTC-light;\">图源：某R1低风险美元理财近期收益\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">听我这么分析完，小珍也觉得R2风险有点高，打算赎回，换成R1美元理财，躺赚更省心。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:center; line-height: 2em; margin-bottom: 0px; margin-left: 15px; margin-right: 15px;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F211f7037-7e0b-4bb1-8a4a-19af19b774b3.jpg\">\u003Cstrong>\u003Cspan style=\"color: rgb(214, 168, 65);\">02\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">虽然美元理财收益不错，但不建议你无脑买，还得了解这些\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);background-color: rgb(255, 218, 169);font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>「缺点」\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">能否接受——\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"color: rgb(214, 168, 65);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">首先是汇率风险，人民币大幅升值的话，就不划算了。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">拿小珍的购买过程来说——\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">她支出14.24万人民币，在7.12换汇2万美元；\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">假设年化收益率能有4.5%，她在一年后的资产是2.09万美元；\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">如果她想将美元换成人民币，而此时的人民币\u003Cstrong>升值超过4.5%\u003C\u002Fstrong>，来到6.8，那么她只能换回14.2万人民币，不如直接买人民币的货币基金了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">其次是结汇损失，一进一出损失0.4%\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cstrong>\u003Cspan style=\"font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(214, 168, 65);font-family:Optima-Regular, PingFangTC-light;\">。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">银行会赚一笔汇率差价，拿招商银行来说——\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">购汇时，我们花724元买到100美元；但是结汇时，只能按721元卖回给银行。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fe8c2755f-8925-4466-b581-20eed9de40c0.jpg\">\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin: 0px 15px 16px; padding: 0px; display: block; outline: 0px; max-width: 100%; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-size: 14px;color: rgb(136, 136, 136);font-family:Optima-Regular, PingFangTC-light;\">图源：招行app\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">一进一出，就有0.4%的损失。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"color: rgb(214, 168, 65);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">再来是换汇有上限，每人一年5万美元。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">对于小康家庭来说，一家三口的额度接近百万人民币，应该是够了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">不过对大户人家来说，额度恐怕有点少，还得找找其他的靠谱理财。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">汇率波动咱们无法左右，频繁买卖交易成本又太高，我觉得\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(0, 0, 0);background-color: rgb(255, 218, 169);font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>美元理财更适合这两种人\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">——\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">1）有海外配置需求\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">，手上想多买点其他国家资产，锁定高利率。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">比如小珍就想优化下家庭理财结构，配置些非人民币资产，分散风险。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">2）未来有海外消费\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">，比如留学、旅游计划，早晚都得换美元，也可以提前买点。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F6cbaa592-56a8-435c-9dae-e8047159875f.jpg\">\u003Cstrong style=\"letter-spacing: 0.578px;text-align: center;\">\u003Cspan style=\"color: rgb(214, 168, 65);\">03\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">最后来说说购买方法——\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">在银行app的搜索框输入「美元」或者「美元理财」，就能看到美元理财产品了，然后换汇购买。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fd9e1c08c-1079-44e7-bd80-ccc2042fe491.jpg\">\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-size: 14px;color: rgb(136, 136, 136);font-family:Optima-Regular, PingFangTC-light;\">图源：北京银行app\u003C\u002Fspan>\u003Cspan style=\"font-size: var(--articleFontsize);letter-spacing: 0.544px;\">\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">买的时候，还是要注意\u003Cstrong>风险等级和产品投向\u003C\u002Fstrong>，尽量买R1低风险的，比较省心。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">另外，每家银行代销的美元理财是不一样的，有的银行有独家「货源」，收益可能更好，有的锁定期不同。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">你可以先了解了解，再根据自己的需求买。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"line-height: 2em; margin-bottom: 0px; margin-left: 15px; margin-right: 15px;\">\u003Cspan style=\"font-size: 14px;color: rgb(217, 33, 66);background-color: rgb(255, 254, 213);\">提醒：美元跨行转账麻烦+费率高，选好要在哪家银行买再换汇~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">这里总结了部分R1美元理财产品\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px;caret-color: rgb(51, 51, 51);color: rgb(136, 136, 136);font-size: 14px;font-family:Optima-Regular, PingFangTC-light;\">（当前收益率在年化4%-5%）\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">，方便你决策，仅供参考，不做推荐哦~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 16px;padding: 0px;display: block;outline: 0px;max-width: 100%;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F3663fde6-122c-4432-ab5d-f5e33ace5a8d.jpg\">\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"color: rgb(34, 34, 34);font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);font-family:Optima-Regular, PingFangTC-light;\">晚安\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin: 0px 15px; padding: 0px; display: block; outline: 0px; max-width: 100%; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family:-apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n \u003Csection>\n  \u003Csection>\n   \u003Cbr> \n  \u003C\u002Fsection>\n \u003C\u002Fsection>\n\u003C\u002Fsection>","\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; text-wrap-mode: wrap; line-height: 2em;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); font-family: Optima-Regular, PingFangTC-light;\">晚上好~\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">前两天，我和朋友小珍吐槽，说现在理财收益太低。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">小珍却说，她买到了一款5%的理财。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">「这年头哪儿还有5%的产品，别给骗了吧」\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">她甩来产品截图，这是一款美元理财，最近的年化收益率还真有5%。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLG3E782DymuyicbjXN88LS3icOkUqGPS0m9ts5CnBjRdNc6ST1dK3LnH99FmFQgibeibqxwKRTysLfNnQ\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">说起来，我去年买过美元存款，马上要到期了，银行利率降了一大截，刚好发愁要买啥。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">借着这个机会，我好好研究了一下美元理财，觉得对有\u003Cstrong>全球资产配置需求的朋友\u003C\u002Fstrong>来说，是个不错的选择，但也要注意\u003Cstrong>几个盲区\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cspan style=\"font-size: 14px; color: rgb(217, 33, 66); background-color: rgb(255, 254, 213);\">*风险提示：本文所提及的理财产品，仅为示例参考，不作任何投资推荐。投资有风险，决策需谨慎。据此买卖，请自担风险。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; text-wrap-mode: wrap; text-align: center; line-height: 2em;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLE7g73iaibZHIgqM3unhkoy5bd3IdoP7QT3icPEbLkrIAaic8W26HgahSWcia1f1DaZEic6aYAXJnFUQyEw\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003Cstrong style=\"color: rgb(34, 34, 34); caret-color: rgb(51, 51, 51); background-color: rgb(255, 255, 255); letter-spacing: 0.578px; font-family: Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"color: rgb(214, 168, 65);\">01\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">美元理财，顾名思义，就是用美元买的理财产品。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">咱们先换美元，给到理财公司的管理人，他们再拿这笔钱，去买美元存款、美元债券。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">这两年，美元利率居高不下，所以投向美国的存款、理财走势也都挺好的，年化在4%-5%左右。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">拿小珍买的这款产品来说，她买了2万美元，现在每天躺收2-3刀，约15-22块人民币，拿下咖啡自由~\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLG3E782DymuyicbjXN88LS3ictZrFk1dcQwhOz8fes0TLePZZ267yYaMWhJAeav8ruSHicEBDOYXfkLg\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px 16px; text-wrap-mode: wrap; text-align: center; padding: 0px; outline: 0px; max-width: 100%; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 14px; color: rgb(136, 136, 136); font-family: Optima-Regular, PingFangTC-light;\">图源：小珍买的美元理财收益\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">不过，我仔细看了下产品说明，发现小珍忽视了\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 218, 169); font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong>1个风险\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">首先，美元理财，并不是只涨不跌的。它和一般理财一样，\u003Cstrong>净值随着底层资产的净值波动，有可能亏损\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">银行会给产品「贴标签」，R1是风险最低的，R2、R3的风险逐级增加。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">拿小珍买的这款产品举例，\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 218, 169); font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong>它的风险等级是R2的\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">，属于中低风险。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">具体看投资范围，资金投向了\u003Cstrong>45%的存款+50%的中资美元债+5%活期存款\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLG3E782DymuyicbjXN88LS3icMfcN2UdVmshWUD5v9tG1bV6Gw5Uy102lcOZvydG9j1k87gJ7eyPBKQ\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px 16px; text-wrap-mode: wrap; text-align: center; padding: 0px; outline: 0px; max-width: 100%; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 14px; color: rgb(136, 136, 136); font-family: Optima-Regular, PingFangTC-light;\">图源：小珍买的美元理财投向\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">这里说一下\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 218, 169); font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong>中资美元债\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">，它是指中资企业在海外发行的美元债券，以往是地产公司发得比较多。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">中资美元债的风险点，有两个——\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">一是来自利率\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">。利率和债券价格成反比，如果利率上升，债券的价格可能会下跌，特别是长期债券。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">二是来自信用，也就是债券违约\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">。产品说明书里，并没有提到具体买了哪些公司的债券。但是看同名产品的历史收益，去年6月曾经突然大跌过。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLG3E782DymuyicbjXN88LS3ic9EyJ9iaFD5DM4JFguAVYdPKHHrUaZdfnzEq46ee3TDQQop7n1Guum8A\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px 16px; text-wrap-mode: wrap; text-align: center; padding: 0px; outline: 0px; max-width: 100%; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 14px; color: rgb(136, 136, 136); font-family: Optima-Regular, PingFangTC-light;\">图源：小珍买的美元理财历史收益\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">如果不想承受惊心动魄，只想拿到美元的高利率，可以找找市面上\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 218, 169); font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong>R1等级（低风险）的美元理财\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">R1的产品，一般只买美元存款、存单，没有美元债券，更纯粹些。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLG3E782DymuyicbjXN88LS3icdEvwU2USgwALhN8sOMZaO3ubVhWJu8D9PLibYDEbscIt6sgU9AiaT7gg\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px 16px; text-wrap-mode: wrap; text-align: center; padding: 0px; outline: 0px; max-width: 100%; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 14px; color: rgb(136, 136, 136); font-family: Optima-Regular, PingFangTC-light;\">图源：某R1低风险美元理财投向\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">不过，理财收益率会跟着美联储的政策走。像是近来美联储降息，R1美元理财的年化回报，也普遍降了些。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLG3E782DymuyicbjXN88LS3icianc7A9EqcFHWopGtOpqpxUQrx0cuxDXibO67dCglwbic0pIhTib6Botzw\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px 16px; text-wrap-mode: wrap; text-align: center; padding: 0px; outline: 0px; max-width: 100%; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 14px; color: rgb(136, 136, 136); font-family: Optima-Regular, PingFangTC-light;\">图源：某R1低风险美元理财近期收益\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">听我这么分析完，小珍也觉得R2风险有点高，打算赎回，换成R1美元理财，躺赚更省心。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; text-wrap-mode: wrap; text-align: center; line-height: 2em;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLE7g73iaibZHIgqM3unhkoy5bd3IdoP7QT3icPEbLkrIAaic8W26HgahSWcia1f1DaZEic6aYAXJnFUQyEw\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003Cstrong>\u003Cspan style=\"color: rgb(214, 168, 65);\">02\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">虽然美元理财收益不错，但不建议你无脑买，还得了解这些\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 218, 169); font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong>「缺点」\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">能否接受——\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">首先是汇率风险，人民币大幅升值的话，就不划算了。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">拿小珍的购买过程来说——\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">她支出14.24万人民币，在7.12换汇2万美元；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">假设年化收益率能有4.5%，她在一年后的资产是2.09万美元；\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">如果她想将美元换成人民币，而此时的人民币\u003Cstrong>升值超过4.5%\u003C\u002Fstrong>，来到6.8，那么她只能换回14.2万人民币，不如直接买人民币的货币基金了。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">其次是结汇损失，一进一出损失0.4%\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cstrong>\u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(214, 168, 65); font-family: Optima-Regular, PingFangTC-light;\">。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">银行会赚一笔汇率差价，拿招商银行来说——\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">购汇时，我们花724元买到100美元；但是结汇时，只能按721元卖回给银行。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLG3E782DymuyicbjXN88LS3icMsuR7ic0U3I5LunrTstQldMjamAw550iboc69uER0zlVnr0QA9R8NBMA\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px 16px; text-wrap-mode: wrap; text-align: center; padding: 0px; outline: 0px; max-width: 100%; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 14px; color: rgb(136, 136, 136); font-family: Optima-Regular, PingFangTC-light;\">图源：招行app\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">一进一出，就有0.4%的损失。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(214, 168, 65);\">\u003Cstrong>\u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">再来是换汇有上限，每人一年5万美元。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">对于小康家庭来说，一家三口的额度接近百万人民币，应该是够了。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">不过对大户人家来说，额度恐怕有点少，还得找找其他的靠谱理财。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">汇率波动咱们无法左右，频繁买卖交易成本又太高，我觉得\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); background-color: rgb(255, 218, 169); font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong>美元理财更适合这两种人\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">——\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">1）有海外配置需求\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">，手上想多买点其他国家资产，锁定高利率。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">比如小珍就想优化下家庭理财结构，配置些非人民币资产，分散风险。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">2）未来有海外消费\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">，比如留学、旅游计划，早晚都得换美元，也可以提前买点。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; text-align: center; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLE7g73iaibZHIgqM3unhkoy5bd3IdoP7QT3icPEbLkrIAaic8W26HgahSWcia1f1DaZEic6aYAXJnFUQyEw\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003Cstrong style=\"letter-spacing: 0.578px;\">\u003Cspan style=\"color: rgb(214, 168, 65);\">03\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">最后来说说购买方法——\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">在银行app的搜索框输入「美元」或者「美元理财」，就能看到美元理财产品了，然后换汇购买。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLG3E782DymuyicbjXN88LS3icDvfVn93Jl4dwOYZicdB9qweXIIx9ANphLtHSZh3r9vJ8IpzjRqYBF3w\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; text-align: center; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 14px; color: rgb(136, 136, 136); font-family: Optima-Regular, PingFangTC-light;\">图源：北京银行app\u003C\u002Fspan>\u003Cspan style=\"font-size: var(--articleFontsize); letter-spacing: 0.544px;\">\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">买的时候，还是要注意\u003Cstrong>风险等级和产品投向\u003C\u002Fstrong>，尽量买R1低风险的，比较省心。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">另外，每家银行代销的美元理财是不一样的，有的银行有独家「货源」，收益可能更好，有的锁定期不同。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">你可以先了解了解，再根据自己的需求买。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; text-wrap-mode: wrap; line-height: 2em;\">\u003Cspan style=\"font-size: 14px; color: rgb(217, 33, 66); background-color: rgb(255, 254, 213);\">提醒：美元跨行转账麻烦+费率高，选好要在哪家银行买再换汇~\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">这里总结了部分R1美元理财产品\u003C\u002Fspan>\u003Cspan style=\"letter-spacing: 1px; caret-color: rgb(51, 51, 51); color: rgb(136, 136, 136); font-size: 14px; font-family: Optima-Regular, PingFangTC-light;\">（当前收益率在年化4%-5%）\u003C\u002Fspan>\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">，方便你决策，仅供参考，不做推荐哦~\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 16px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLG3E782DymuyicbjXN88LS3icjsXHGhYUHScLsQagibD27iamO1w10tELtret2ItdPVrsqNf7T4hqa6Xw\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: rgb(34, 34, 34); letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-family: Optima-Regular, PingFangTC-light;\">晚安\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px; text-wrap-mode: wrap; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); line-height: 2em; font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp>\u003Csection>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>","2024-12-05 06:25:00","2024-12-04 11:01:18",100,0,"liuweixin@jane7.com","2024-12-04 11:01:22",294,false,16677,15,"1038002",7,[],[],2,[],[],[]]