[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2025021319404614363":3,"related-JP2025021319404614363":34},{"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":21,"categoryList":32,"dailyKeywordList":33},10,6752,"1",1,"JP2025021319404614363","1041018",3,"","这类4%+的存款，越来越少了","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","说3个美元高息的去处","\u003Csection>\n \u003Csection>\n  \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">晚上好~\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">去年，我买的一笔美元存款，马上要到期了，最近在找高利率的去处。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">结果大傻眼：\u003Cstrong>一些城商行原本4%+的美元存款，硬生生腰斩到了2%出头\u003C\u002Fstrong>。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fec0f336c-f7aa-4f4a-a6b9-b39c4290158f.jpg\">\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"color: rgb(100, 106, 115);font-size: 14px;\">图源：小红书\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">说起来，这波利率「暴跌」竟然和美联储无关，美国1月维持基准利率在4.25%-4.5%不变。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">可国内银行却纷纷抢先一步，开启美元降息模式：前两年是国有大行，近期是城商行，一个接一个地「跳水」。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">但别急，经过一番研究，我找到3个境内渠道，还是能赚到 4%+ 的美元高息。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">现在就分享给你——\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"background-color: rgb(255, 254, 213); color: rgb(255, 41, 65); font-size: 14px;font-family:sans-serif;\">风险提示：美元存款\u002F理财有汇率风险，最好是有消费\u002F海外资产配置需求再换哈~\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F9416b082-ae13-439c-8218-1dab8542fb61.jpg\"> \u003Cstrong style=\"color: rgb(214, 168, 65);font-size: 16px;letter-spacing: 0.544px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">01 外资行美元存款\u003C\u002Fstrong>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">外资银行，指的是海外知名的银行，比如汇丰、渣打、东亚，也能在内地开展业务，吸收存款。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">对私业务这块，外资行和内地银行相比没啥优势\u003Cspan style=\"color: rgb(136, 136, 136);font-size: 14px;\">（网点少、费率高）\u003C\u002Fspan>。所以尽管名头很响，但普通人没咋接触过。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">它们擅长\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>跨境、外币业务\u003C\u002Fstrong>\u003C\u002Fspan>，受到的政策影响也相对小一些。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>美元存款呢，刚好专业对口了。\u003C\u002Fstrong>这里总结了一份4%+美元存款的外资行名单，供你参考——\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cimg alt=\"\" class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F6e309e1d-f172-457d-b192-2a059580f77a.jpg\">\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">要注意的是，外资行也会动态调整利率。比如东亚银行的1年期美元存款，去年12月还有4.6%，最新降到4.4%。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">而且东亚要预约开户，我看了下预约日期，已经排到两周以后了😂真的很火爆~\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">另外，还要提醒一下，\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>外资行的汇率很「坑」\u003C\u002Fstrong>\u003C\u002Fspan>：\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">拿今天的汇率来说，内资行的换汇价格大多是7.32块人民币换1美元，而外资行普遍在7.34以上。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fc1cab5ba-0711-49e9-b6a8-f8e706cf73d9.jpg\">\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"color: rgb(100, 106, 115);font-size: 14px;\">图源：WIND金融终端app\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">所以，最好别在外资行买美元，可以先从\u003Cstrong>内资行买好美元，再转账过去。\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>跨行转美元一般要收手续费\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(100, 106, 115);font-size: 14px;\">（大概封顶300块）\u003C\u002Fspan>，可能\u003Cstrong>要去柜台办理\u003C\u002Fstrong>，建议提前问清楚\u003Cspan style=\"color: rgb(100, 106, 115);font-size: 14px;\">（可以打银行客服电话）\u003C\u002Fspan>~\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">以中信银行为例，客服说境内的美元跨行转账，收取每笔汇款金额的0.1%，最低20元\u002F笔、最高200元\u002F笔。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">p.s. 要是你持有白金卡\u003Cspan style=\"color: rgb(100, 106, 115);font-size: 14px;\">（月日均资产50万以上）\u003C\u002Fspan>，可以免除这笔费用。\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin: 0px 15px 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;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F5e22fa8f-10c0-4799-a986-1eb7a7cfffbc.jpg\">\u003Cstrong style=\"color: rgb(214, 168, 65);font-size: 16px;letter-spacing: 0.544px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">02 美元理财\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">前两年，国有大行率先被窗口指导，美元存款利率大降，失去吸引力。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">不过，大行也不甘心，上线美元理财来「分一杯羹」。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">美元理财，和咱们平时买的理财差不多，R1的风险是最低的，基本只投美元存款类产品；\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">R2会加些美元债券，波动大一些，过去也出现过「踩雷」\u003Cspan style=\"color: rgb(100, 106, 115);font-size: 14px;\">（买的某只债券违约）\u003C\u002Fspan>，带来净值下跌的事儿。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">如果你想省心，可以认准\u003Cstrong>R1风险的美元理财\u003C\u002Fstrong>。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">那美元理财和美元存款，有啥区别呢？主要有\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>两方面\u003C\u002Fstrong>\u003C\u002Fspan>：\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>一是存款保本，理财不保本。\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">不过底层资产是美元存款的话，风险是极低的。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>二是存款锁定了半年、一年内的回报，理财收益是「随行就市」的。\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">要是美元利率往下走，收益也会少点。比如我买了一款美元理财，年化收益率 3个月内从4.4%掉到4%。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">如果未来美元利率能升一升，那么美元理财的收益也会跟着一起涨~。\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F2d595942-0744-4d4a-a06f-5134336e654c.jpg\">\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"color: rgb(100, 106, 115);font-size: 14px;\">图源：某美元活钱理财\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">这里整理了部分代销美元理财的银行，供参考——\u003C\u002Fp>\n \u003Cp style=\"text-align:center;margin: 16px 15px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fc1f41078-0a19-44b7-9af9-13551c50d4d6.jpg\">\u003C\u002Fp>\n \u003Cp style=\"text-align:center; margin-bottom: 16px; margin-left: 15px; margin-right: 15px;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F4b2b3ce1-7880-43ad-b93e-f6f0892ac600.jpg\">\u003Cstrong style=\"letter-spacing: 0.544px;background-color: rgb(255, 255, 255);color: rgb(214, 168, 65);font-size: 16px;font-family:-apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">03 跨境理财通\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>跨境理财通呢，是广东大湾区「土豪」专享的福利。\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">简单来说，在指定银行、券商*开户后，你就可以买到境外券商、银行发行的美元存款、海外债券、基金。\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"font-size: 14px;color: rgb(100, 106, 115);\">*目前有34家银行、\u003C\u002Fspan>\u003Ca target=\"_blank\" href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MjA0MDk2MA==&mid=2653363182&idx=3&sn=7e9bd1bf50cd1a58632f4239a7a63c7e&scene=21#wechat_redirect\" style=\"color:#409eff\">\u003Cspan style=\"font-size: 14px;color: rgb(0, 82, 255);\">14家券商\u003C\u002Fspan>\u003C\u002Fa>\u003Cspan style=\"font-size: 14px;color: rgb(100, 106, 115);\">获批；每人可开1家银行、1家券商\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"font-size: 14px;color: rgb(100, 106, 115);\">*银行名单：https:\u002F\u002Fshorturl.at\u002FJ5mIW\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">每名投资者\u003Cstrong>最高有300万额度\u003C\u002Fstrong>，资金结算都使用人民币，不受每年5万美元外汇额度限制。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">除了4%+的美元存款、货币基金，跨境理财通还能买海外市场的基金。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">像是近来QDII额度紧张，很多基金「关门谢客」、或是没法买很多，开通资质之后，就有了新的选择。\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">但参与\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>门槛\u003C\u002Fstrong>\u003C\u002Fspan>也挺高的——\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>（1）你得有大湾区9个城市*户籍，或者在9个城市连续交2年社保或个税。\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">*广州、深圳、珠海、东莞、佛山、江门、惠州、中山、肇庆。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>（2）具备2年的投资经验。\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cstrong>（3）资金实力也得过硬。\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cblockquote style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\n  \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">近三个月家庭金融净资产≥100万人民币，\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">或近三个月家庭金融资产≥200万人民币，\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"margin-bottom: 0px; font-size: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; margin-left: 15px; margin-right: 15px;font-family:Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">或者近三年本人年均收入≥40万人民币。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fblockquote>\n \u003Cp style=\"margin-right: 16px;margin-bottom: 0px;margin-left: 16px;font-size: 14px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;font-family:Optima-Regular, PingFangTC-light;\">\u003Cbr>\u003C\u002Fp>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">\u003Cspan style=\"font-size: 16px;\">最后再提醒一下，这两年汇率从7贬到7.3，只奔着高利率来买美元，一旦遇到人民币大幅升值的情况，换算下来，可能是亏损的。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">所以， \u003Cstrong>更适合手上有美元想要理财，或是本身有海外消费\u003C\u002Fstrong> \u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\">（如留学、旅游）\u003C\u002Fspan>、 \u003Cstrong>资产配置、做生意这样明确需求的朋友\u003C\u002Fstrong>~\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin-left:15px;margin-right:15px\">好啦，以上就是和你分享的境内高息美元去处，希望有帮助哦~\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr>\n \u003C\u002Fsection>\n\u003C\u002Fsection>","\u003Csection>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">晚上好~\u003C\u002Fp>\u003C\u002Fsection>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">去年，我买的一笔美元存款，马上要到期了，最近在找高利率的去处。\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">结果大傻眼：\u003Cstrong>一些城商行原本4%+的美元存款，硬生生腰斩到了2%出头\u003C\u002Fstrong>。\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; text-align: center; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLGFT5LK9eS19hh2PksT5C8cuCzTe8ia2ocLnFCBdCfkaXRAzJMDl4nlicUK2iagM7JQtjs9pCJ3D7MKw\u002F640?from=appmsg&wx_fmt=png\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; text-align: center; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"color: rgb(100, 106, 115); font-size: 14px;\">图源：小红书\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">说起来，这波利率「暴跌」竟然和美联储无关，美国1月维持基准利率在4.25%-4.5%不变。\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">可国内银行却纷纷抢先一步，开启美元降息模式：前两年是国有大行，近期是城商行，一个接一个地「跳水」。\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">但别急，经过一番研究，我找到3个境内渠道，还是能赚到 4%+ 的美元高息。\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">现在就分享给你——\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"background-color: rgb(255, 254, 213); color: rgb(255, 41, 65); font-size: 14px; font-family: sans-serif;\">风险提示：美元存款\u002F理财有汇率风险，最好是有消费\u002F海外资产配置需求再换哈~\u003C\u002Fspan>\u003C\u002Fp>\u003Cp>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fmmbiz_png\u002FAm8Qfs8miaLFP0y47k36rNGDhCM5HeemPTZzibYyT7q97SZBc8cEmoSejpfbhoCxlYgIzj9PyTM3oAzzaCIWbM5w\u002F640?wx_fmt=other\"\u002F> \u003Cstrong style=\"color: rgb(214, 168, 65); letter-spacing: 0.544px; font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">01 外资行美元存款\u003C\u002Fstrong>\u003C\u002Fp>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">外资银行，指的是海外知名的银行，比如汇丰、渣打、东亚，也能在内地开展业务，吸收存款。\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">对私业务这块，外资行和内地银行相比没啥优势\u003Cspan style=\"color: rgb(136, 136, 136); font-size: 14px;\">（网点少、费率高）\u003C\u002Fspan>。所以尽管名头很响，但普通人没咋接触过。\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">它们擅长\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>跨境、外币业务\u003C\u002Fstrong>\u003C\u002Fspan>，受到的政策影响也相对小一些。\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong>美元存款呢，刚好专业对口了。\u003C\u002Fstrong>这里总结了一份4%+美元存款的外资行名单，供你参考——\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; text-align: center; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cimg alt=\"\" class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLGFT5LK9eS19hh2PksT5C8czpNibIM3JKsrsvTdbHASiaunibIXB0WY3WnT5JVe0JicAlDeYfNJ0gvzyA\u002F640?wx_fmt=png&from=appmsg\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">要注意的是，外资行也会动态调整利率。比如东亚银行的1年期美元存款，去年12月还有4.6%，最新降到4.4%。\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">而且东亚要预约开户，我看了下预约日期，已经排到两周以后了😂真的很火爆~\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">另外，还要提醒一下，\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>外资行的汇率很「坑」\u003C\u002Fstrong>\u003C\u002Fspan>：\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">拿今天的汇率来说，内资行的换汇价格大多是7.32块人民币换1美元，而外资行普遍在7.34以上。\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; text-align: center; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLGFT5LK9eS19hh2PksT5C8cVT65Vtp5Xa6OaBQncibr1VaN9FhqHuNlTXIHuBMpZ0D9PibmdQQ4ChKg\u002F640?from=appmsg&wx_fmt=png\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; text-align: center; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"color: rgb(100, 106, 115); font-size: 14px;\">图源：WIND金融终端app\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">所以，最好别在外资行买美元，可以先从\u003Cstrong>内资行买好美元，再转账过去。\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong>跨行转美元一般要收手续费\u003C\u002Fstrong>\u003Cspan style=\"color: rgb(100, 106, 115); font-size: 14px;\">（大概封顶300块）\u003C\u002Fspan>，可能\u003Cstrong>要去柜台办理\u003C\u002Fstrong>，建议提前问清楚\u003Cspan style=\"color: rgb(100, 106, 115); font-size: 14px;\">（可以打银行客服电话）\u003C\u002Fspan>~\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">以中信银行为例，客服说境内的美元跨行转账，收取每笔汇款金额的0.1%，最低20元\u002F笔、最高200元\u002F笔。\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">p.s. 要是你持有白金卡\u003Cspan style=\"color: rgb(100, 106, 115); font-size: 14px;\">（月日均资产50万以上）\u003C\u002Fspan>，可以免除这笔费用。\u003C\u002Fp>\u003Cp style=\"margin: 0px 15px 16px; text-align: center; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-wrap-mode: wrap; 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\u002Fmmbiz_png\u002FAm8Qfs8miaLFP0y47k36rNGDhCM5HeemPTZzibYyT7q97SZBc8cEmoSejpfbhoCxlYgIzj9PyTM3oAzzaCIWbM5w\u002F640?wx_fmt=other\"\u002F>\u003Cstrong style=\"color: rgb(214, 168, 65); letter-spacing: 0.544px;\">02 美元理财\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">前两年，国有大行率先被窗口指导，美元存款利率大降，失去吸引力。\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">不过，大行也不甘心，上线美元理财来「分一杯羹」。\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">美元理财，和咱们平时买的理财差不多，R1的风险是最低的，基本只投美元存款类产品；\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">R2会加些美元债券，波动大一些，过去也出现过「踩雷」\u003Cspan style=\"color: rgb(100, 106, 115); font-size: 14px;\">（买的某只债券违约）\u003C\u002Fspan>，带来净值下跌的事儿。\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">如果你想省心，可以认准\u003Cstrong>R1风险的美元理财\u003C\u002Fstrong>。\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">那美元理财和美元存款，有啥区别呢？主要有\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>两方面\u003C\u002Fstrong>\u003C\u002Fspan>：\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong>一是存款保本，理财不保本。\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">不过底层资产是美元存款的话，风险是极低的。\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong>二是存款锁定了半年、一年内的回报，理财收益是「随行就市」的。\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">要是美元利率往下走，收益也会少点。比如我买了一款美元理财，年化收益率 3个月内从4.4%掉到4%。\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">如果未来美元利率能升一升，那么美元理财的收益也会跟着一起涨~。\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; text-align: center; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLGFT5LK9eS19hh2PksT5C8cD3SCLTA18PloOxzVhuXzic7xPyasulBB6mGo6rpYHymLkWtPaBgbqicQ\u002F640?from=appmsg&wx_fmt=png\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; text-align: center; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"color: rgb(100, 106, 115); font-size: 14px;\">图源：某美元活钱理财\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">这里整理了部分代销美元理财的银行，供参考——\u003C\u002Fp>\u003Cp style=\"margin: 16px 15px; text-align: center; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fsz_mmbiz_png\u002FAm8Qfs8miaLGFT5LK9eS19hh2PksT5C8c9bXQz4JvuMRHic9tibITricQkdViaX5hGtDdV3vR8BG7GLIyRecuGrWoJA\u002F640?from=appmsg&wx_fmt=png\"\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 16px; margin-left: 15px; text-align: center;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fmmbiz.qpic.cn\u002Fmmbiz_png\u002FAm8Qfs8miaLFP0y47k36rNGDhCM5HeemPTZzibYyT7q97SZBc8cEmoSejpfbhoCxlYgIzj9PyTM3oAzzaCIWbM5w\u002F640?wx_fmt=other\"\u002F>\u003Cstrong style=\"letter-spacing: 0.544px; background-color: rgb(255, 255, 255); color: rgb(214, 168, 65); font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">03 跨境理财通\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong>跨境理财通呢，是广东大湾区「土豪」专享的福利。\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">简单来说，在指定银行、券商*开户后，你就可以买到境外券商、银行发行的美元存款、海外债券、基金。\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"font-size: 14px; color: rgb(100, 106, 115);\">*目前有34家银行、\u003C\u002Fspan>\u003Ca target=\"_blank\" href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MjA0MDk2MA==&mid=2653363182&idx=3&sn=7e9bd1bf50cd1a58632f4239a7a63c7e&scene=21#wechat_redirect\">\u003Cspan style=\"font-size: 14px; color: rgb(0, 82, 255);\">14家券商\u003C\u002Fspan>\u003C\u002Fa>\u003Cspan style=\"font-size: 14px; color: rgb(100, 106, 115);\">获批；每人可开1家银行、1家券商\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"font-size: 14px; color: rgb(100, 106, 115);\">*银行名单：https:\u002F\u002Fshorturl.at\u002FJ5mIW\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">每名投资者\u003Cstrong>最高有300万额度\u003C\u002Fstrong>，资金结算都使用人民币，不受每年5万美元外汇额度限制。\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">除了4%+的美元存款、货币基金，跨境理财通还能买海外市场的基金。\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">像是近来QDII额度紧张，很多基金「关门谢客」、或是没法买很多，开通资质之后，就有了新的选择。\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">但参与\u003Cspan style=\"background-color: rgba(254, 212, 164, 0.8);\">\u003Cstrong>门槛\u003C\u002Fstrong>\u003C\u002Fspan>也挺高的——\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong>（1）你得有大湾区9个城市*户籍，或者在9个城市连续交2年社保或个税。\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"font-size: 14px; color: rgb(136, 136, 136);\">*广州、深圳、珠海、东莞、佛山、江门、惠州、中山、肇庆。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong>（2）具备2年的投资经验。\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong>（3）资金实力也得过硬。\u003C\u002Fstrong>\u003C\u002Fp>\u003Cblockquote style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; visibility: visible; line-height: 2em;\">\u003Cspan style=\"font-size: 14px; color: rgb(136, 136, 136);\">近三个月家庭金融净资产≥100万人民币，\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; visibility: visible; line-height: 2em;\">\u003Cspan style=\"font-size: 14px; color: rgb(136, 136, 136);\">或近三个月家庭金融资产≥200万人民币，\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"margin-right: 15px; margin-bottom: 0px; margin-left: 15px; visibility: visible; line-height: 2em;\">\u003Cspan style=\"font-size: 14px; color: rgb(136, 136, 136);\">或者近三年本人年均收入≥40万人民币。\u003C\u002Fspan>\u003C\u002Fp>\u003C\u002Fblockquote>\u003Cp style=\"margin-right: 16px; margin-bottom: 0px; margin-left: 16px; font-size: 14px; letter-spacing: 1px; caret-color: rgb(51, 51, 51); visibility: visible; line-height: 2em; font-family: Optima-Regular, PingFangTC-light;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">最后再提醒一下，这两年汇率从7贬到7.3，只奔着高利率来买美元，一旦遇到人民币大幅升值的情况，换算下来，可能是亏损的。\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cbr\u002F>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">所以， \u003Cstrong>更适合手上有美元想要理财，或是本身有海外消费\u003C\u002Fstrong> \u003Cspan style=\"font-size: 14px; color: rgb(136, 136, 136);\">（如留学、旅游）\u003C\u002Fspan>、 \u003Cstrong>资产配置、做生意这样明确需求的朋友\u003C\u002Fstrong>~\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cbr\u002F>\u003C\u002Fsection>\u003Csection>\u003Cp style=\"margin-right: 15px; margin-left: 15px;\">好啦，以上就是和你分享的境内高息美元去处，希望有帮助哦~\u003C\u002Fp>\u003C\u002Fsection>\u003Csection>\u003Cbr\u002F>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp>\u003Cbr\u002F>\u003C\u002Fp>","2025-02-14 06:25:00","2025-02-13 19:40:41",100,0,"liuweixin@jane7.com","2025-02-13 19:40:46",375,false,16803,8,"1038002",5,[],[],[],[],[]]