下超通的小说草 注的民主命的 外市理财新体验 "出海"更轻松! 让台产 小张啊,我家里小囡都在 王爷爷,您真新潮!现 海外留学生活,你看刚好 在确实有不少客户配置 有一些美元零钱方便我随 美元理财。主要有两大 时飞去看他们的,听说美 好处。 元也能买理财? 两大好处 < 1.增厚收益成长空间 美元理财产品投资范围涵盖美元存款、美元债券、 跨境结构性工具等多元投资标的,能为投资者提供 超越单一货币理财的收益增长空间,有机会获取相 对更高的收益。 2.分散单一市场风险 全球化配置可以避免"把所有鸡蛋放在一个篮 子里",美元理财通常挂钩海外市场,为有出 国需求和持有美元资产的投资者提供分散风险 和避险功能的选择。 不用不用! 大部分美元理 财起购金额只要1美元, 非常适合有跨境留学、海 那这投资门槛是不是 外消费等需求的普通投资 很高? 者参与。 是的! 通常美元现钞现汇 均可购买，赎回时本金和 收益也是美元，不会自动 结汇成人民币,方便您继 续投资或用于其他外币用 那我用美元买，赎回 途。 的时候也是美元吗? 目前市场上美元理财以固 定收益类为主，产品风险 小张,我这些美元都 等级通常为R1 ( 低风险 ) 是出 ...

来源： 21世纪经济报道 值得关注的是，此次利率决议的投票结果呈现明显分歧。 会议以9票赞成、3票反对的结果通过降息提案，这是2019年以来美联储利率决议中首次出现3张异议票。异议声音主要分为两派：部分理事主张采取更激进 的宽松措施，认为应一次性降息50个基点，以期更有效应对就业市场下行风险；另有部分理事则倾向维持当前利率水平，担忧持续降息可能加剧通胀反弹压 力。 上海金融与发展实验室首席专家、主任曾刚向21世纪经济报道记者分析指出，"美联储2025年累计降息75基点，核心是稳就业防衰退、通胀可控下政策回归 中性。"他进一步解释道，这一系列举措延续了2024年的宽松基调，旨在托底经济、维持金融环境宽松。 北京时间12月11日凌晨，美联储宣布实施2025年内的第三次降息，将联邦基金利率目标区间下调25个基点至3.50%–3.75%。至此，美联储在本年度已累计降 息75个基点，业内人士表示，符合市场普遍预期。 值得关注的是，在此政策窗口期，国内一批年化收益率仍保持在"3%"以上的美元理财产品，正吸引不少投资者的目光。然而，另一关键因素也在悄然影响 美元理财的投资回报：人民币对美元汇率持续走强，汇率多日逼近"7"关 ...

2025年，美联储三次降息后，看似诱人的美元存款利率正被悄然攀升的人民币汇率所稀释，越来越多投 资者在利率窗口与汇率波动间寻找平衡。 目前，国内多数银行美元存款利率已跌破3%，工行、招行等1年期利率多为2.8%。渤海银行、江苏银行 等少数银行还有3字头利率产品，部分外资银行也曾靠活动推出高息短期美元存款。业内称美元存款利 率后续还会降，提醒投资者警惕汇率与利率双重风险，人民币快速升值或让结汇损失超利息收益。 另一方面，利用政策传导的"时间差"与营销窗口，一批高息产品逆势吸引眼球。渤海银行北京某支行理 财经理坦言："早一个月办理，我行的美元存款利率都能达到3.5%以上。伴随美联储降息，预计未来还 会降。"该行目前1年期美元存款年化利率为3.2%。 产品定价呈现精细化、分层化特征。以南京银行为例，针对20万美元起存的高净值客户，1年期利率可 达3.42%；起存金额降至5万美元时，利率调整为3.3%；而对于3000~5000美元的小额客户，利率则回落 至2.5%~2.8%。 外资银行亦加紧布局。渣打银行针对新客户推出3个月期年化利率3.8%的专属产品；汇丰银行、星展银 行也同步推出类似利率的短期产品。理财子公司同样 ...

21世纪经济报道 记者郭聪聪，实习生董凌含 北京时间12月11日凌晨，美联储宣布实施2025年内的第三次降息，将联邦基金利率目标区间下调25个基点至3.50%–3.75%。至此，美联储在本年度已累计降 息75个基点，业内人士表示，符合市场普遍预期。 值得关注的是，在此政策窗口期，国内一批年化收益率仍保持在"3%"以上的美元理财产品，正吸引不少投资者的目光。然而，另一关键因素也在悄然影响 美元理财的投资回报：人民币对美元汇率持续走强，汇率多日破"7"关口，年内累计升值已超3.4%。 面对看似可观的高息机会，投资者面临着现实的抉择：是抓住利率"高位"窗口配置美元资产，还是谨慎看待未来汇率与收益的双重波动？ 三度降息，政策抉择的十字路口 2025年，美联储延续了2024 年以来的宽松货币政策基调，三次降息逐步落地。 9月18日，美联储首次启动降息，将联邦基金利率区间下调25个基点至4.00%-4.25%；10月30日进行第二次降息，利率区间进一步调降至 3.75%-4.00%；12月 11日的第三次降息后，利率最终落在了3.50%-3.75%区间，业内人士表示，全年宽松力度与市场此前预判一致。 | | 2025年美 ...

中资银行方面，虽然美元存款利率有所回落，但仍普遍维持在"3字头"。例如，渤海银行太原分行推 出1个月至1年多档美元定期存款，其中1年期年化利率为3.10%，起存额度1万美元；恒丰银行宁波 分行在更新产品利率后，1年期产品依旧维持在3.30%，起存点同样为1万美元。 部分城商行推出的优惠力度更大。有银行推出1个月、3个月、6个月年化利率统一为3.7%的美元定 存，1年期利率最高达3.9%，部分产品起存金额仅1000美元。西安银行多期限利率保持在相对高 位，3个月期为3.6%，6个月与1年期均达到3.98%。 外资银行的短期促销利率也很突出。渣打银行12月推出新资金美元定存优惠，1个月与3个月期利率 最高3.6%，6个月与1年期为3.5%；恒生银行1个月期美元定存利率仍达4%，3个月、6个月与1年 期分别为3.7%、3.6%、3.4%，起存金额2万美元。华商银行、立桥银行、韩亚银行等外资行也在 11月集中推升短期美元定存利率，例如华商银行的6个月期利率最高达到3.40%，起存金额仅10美 元。 2025.12. 11 本文字数：1729，阅读时长大约3分钟 作者 | 第一财经 陈君君 北京时间11日凌晨，美联储宣 ...

12月份美联储降息预期升温，这导致未来美元存款利率或进一步下降。金融机构正抢抓"窗口期"，加大 力度营销美元存款产品，近期银行推出的多款美元存款产品利率处于3%左右。与此同时，美元理财也 相对升温。 与此同时，美元理财也于近期升温。例如，汇华理财近日发文表示，当前市场对美联储12月降息的预期 攀升，多位美联储官员近期密集释放鸽派信号，叠加中长期降息通道的明确导向，此刻正是布局美元理 财的黄金窗口期。现在入手等于在利率相对高位的窗口，提前锁定当前具有吸引力的票息收益机会。作 为与本土资产相关性较低的资产类别，美元资产能够有效分散单一币种、单一经济体所带来的系统性风 险，提升资产组合的整体抗波动能力与长期稳健性。 未来利率或继续下行 北京财富管理行业协会特约研究员杨海平表示，影响国内商业银行美元存款利率最主要的因素是美联储 货币政策。美联储12月降息，市场预期概率较高，预计美元存款利率将进一步下降。 《中国经营报》记者采访了解到，从趋势上看，未来美联储降息通道已基本确立，2026年或持续降息， 所以总体上看，未来美元存款利率呈现下降趋势。 美元存款营销升温 银行机构近期集中发布美元存款产品推广信息。 例如，12月 ...

Core Viewpoint - The Federal Reserve's recent interest rate cut has led to a decline in dollar deposit rates across various banks, indicating a broader trend of decreasing returns on dollar-denominated investments [1][3][7]. Group 1: Interest Rate Adjustments - The Federal Reserve announced a 25 basis point rate cut, bringing the federal funds rate target range to 3.75% to 4.00% [1]. - Xi'an Bank adjusted its dollar deposit rates, with 1-month, 3-month, 6-month, 1-year, and 2-year rates now at 3.2%, 3.6%, 3.98%, 3.98%, and 3.6% respectively, all entering the "3" range [1]. - Nanjing Bank also lowered rates for certain dollar deposit products, with rates for 6-month and 1-year products dropping from 3.3% and 3.6% to 3.2% and 3.3% respectively [2]. Group 2: Market Trends and Predictions - The overall decline in dollar deposit rates is attributed to the Federal Reserve's easing monetary policy, which aims to reduce banks' funding costs [3]. - Analysts predict that the Fed may continue to lower rates, potentially leading to further decreases in dollar deposit rates in the coming years [3]. - The average annualized yield for dollar cash management products has decreased to 3.879%, reflecting the impact of the Fed's rate cuts [6]. Group 3: Investment Strategies - With the decline in dollar deposit attractiveness, experts recommend diversifying investments rather than relying solely on dollar deposits, suggesting a mix of dollar bond funds and other financial products [7]. - The report indicates that by early 2025, the dollar may still be the preferred currency for deposits, but other currencies like the euro and yen may surpass it in yield [8]. - Investors are advised to consider both interest income and exchange rate fluctuations to maximize returns from foreign currency deposits [8].

Core Insights - The article discusses the impact of the depreciation of the US dollar against the Chinese yuan on investors who have engaged in dollar-denominated financial products, highlighting significant losses due to currency fluctuations [1][2]. Currency Exchange Impact - The exchange rate of USD to CNY has dropped from 7.3 at the beginning of the year to 7.1219 by October 24, resulting in a 2.44% loss purely from currency fluctuations [2]. - An example investor who exchanged 730,000 CNY for 100,000 USD in January and invested in a fixed-income product faced a loss of over 5,000 USD by October 22, considering the exchange rate at that time [2][5]. Investment Product Performance - As of the end of September, 22 dollar-denominated financial products had yields below 2.5%, indicating that many investors are struggling with losses or are on the verge of losing money [5]. - In contrast, another investor who purchased US Treasury bonds with a 3.5% coupon rate saw a total return exceeding 5.1%, benefiting from both interest income and capital appreciation [6][7]. Risk of Currency Fluctuations - The article emphasizes the importance of considering currency exchange risks when investing in foreign-denominated assets, as potential high returns can be eroded by unfavorable currency movements [9]. - For investors looking to mitigate currency risk, options such as QDII funds that are denominated in CNY are available, although they may offer lower yields due to hedging costs [9].

Core Viewpoint - The Federal Reserve has lowered the federal funds rate target range by 25 basis points to 4.00%-4.25%, marking the first rate cut since December 2024, which signals the end of the high-interest rate cycle for the dollar and a downward trend in dollar asset yields [1][4]. Group 1: Impact of Rate Cut - The recent rate cut is seen as a confirmation of the turning point for dollar asset yields, ending a nine-month period of stable policy [4]. - Foreign banks, such as HSBC and DBS, have quickly responded by lowering dollar deposit rates following the Fed's announcement [4]. - Domestic banks have not yet adjusted their rates, but there is an expectation of potential future declines [4][5]. Group 2: Investor Experiences - Many investors have shared experiences of losses from dollar-denominated financial products due to declining exchange rates, despite initially attractive interest rates [2][3]. - The average annualized yield for dollar financial products has dropped significantly from 4.52% in January to 3.79% in September [2][5]. - Investors are increasingly questioning whether investing in dollar financial products is more about earning interest or speculating on exchange rates [3]. Group 3: Risks and Considerations - The decline in dollar asset yields is attributed to both the Fed's rate cuts and the depreciation of the dollar, which has seen a nearly 10% drop in the dollar index this year [2][7]. - Analysts highlight three main risks associated with dollar financial products: exchange rate risk, interest rate risk, and liquidity risk [7]. - Future expectations regarding Fed policy and exchange rate movements remain uncertain, with differing opinions among analysts [7][8].

Group 1 - The Federal Reserve has lowered the federal funds rate target range by 25 basis points to 4.00%-4.25%, marking the first rate cut since December 2024, indicating a shift in the high-interest rate environment for the dollar [1][5] - The dollar has depreciated significantly since the beginning of the year, leading to reduced interest income and principal losses for investors holding dollar-denominated financial products [1][2] - The average annualized yield of dollar financial products has declined from 4.52% in January to 3.79% in September, reflecting a downward trend in dollar asset returns [2][6] Group 2 - Investors are increasingly sharing experiences of losses from dollar financial products, highlighting the risks associated with currency fluctuations and the diminishing returns from these investments [2][4] - The dollar index has dropped nearly 10% year-to-date, with the exchange rate against the yuan falling from 7.35 to 7.12, a depreciation of over 3% [2][4] - The decline in yields is particularly pronounced in fixed-income products, with expectations that yields may fall below 3.5% in the coming months [6][7] Group 3 - The recent rate cut by the Federal Reserve is seen as a confirmation of a turning point for dollar asset yields, with foreign banks quickly adjusting their deposit rates in response [5][6] - Despite the decline in yields, some smaller banks still offer competitive rates, but the overall sentiment is that exchange rate fluctuations will significantly impact actual returns [6][7] - Analysts express differing views on future Federal Reserve policy, with expectations of further rate cuts and a stable dollar-to-yuan exchange rate within the 7.0-7.5 range [8]