这一改此前人民币兑美元汇率升值的行情。在"对等关税"公布后，离岸人民币兑美元汇率一路由7.4升至7.17，两 个月内上涨3%。 截至7月31日收盘，在岸、离岸人民币兑美元汇率报7.193、7.2019；人民币兑美元即期汇率连续五日下探，7月累 计下跌0.38% 文｜《财经》记者 康恺 编辑｜张威 在升破7.15关口后，人民币兑美元汇率掉头向下、持续走跌，并于7月31日收报两个月新低。 截至7月31日收盘，在岸、离岸人民币兑美元汇率报7.193、7.2019。截至当日，人民币兑美元即期汇率连续五日下 探，7月累计下跌0.38%。 当日，人民币兑美元汇率中间价亦下跌，报7.1494。该值较市场预测偏强水平则扩至近570点，为5月上旬以来最 大偏离。 此前一日，截至7月30日收盘，在岸人民币兑美元汇率微跌58点至7.1823，为7月9日以来新低。同日，离岸人民币 兑美元汇率收报7.186，盘中曾下跌64点至近两周新低。 从汇率市场来看，美元指数上涨是背后的重要推动力。当地时间7月30日，美元指数收创两个月新高，接近100的 关键点位。 与人民币一同，近期欧元等非美货币同样走低。截至北京时间7月31日18时，欧元兑美 ...

人民币兑美元中间价报7.1511，下调44点；上一交易日中间价7.1467，上一交易日官方收盘价7.1729， 上日夜盘报收7.1787。 ...

在岸人民币兑美元收盘报7.1768，较上一交易日下降2点。 ...

人民币兑美元中间价报7.1522，下调24点；上一交易日中间价7.1498，上一交易日官方收盘价7.1766， 上日夜盘报收7.1758。 ...

人民币兑美元中间价报7.1498，下调37点；上一交易日中间价7.1461，上一交易日官方收盘价7.1796， 上日夜盘报收7.1809。 ...

人民币兑美元中间价较上日调降37点至7.1498，降幅创2025年5月27日以来最大。 ...

Group 1 - The central parity rate of the RMB against the USD has increased by 65 points to 7.1461, marking the highest level since November 8, 2024 [1] - This appreciation represents the largest increase since May 26, 2025 [1]

Core Viewpoint - The article provides an in-depth analysis of the RMB to USD exchange rate as of July 14, 2025, highlighting its current stability and future trends, while offering practical currency exchange strategies for individuals planning to travel or study abroad [1]. Exchange Rate Status - As of July 14, 2025, the USD to RMB central parity rate is reported at 7.1475, with onshore and offshore rates at 7.1765 and 7.1798 respectively, indicating a narrow spread of 33 basis points, reflecting a stable market sentiment [2]. - The stability of the exchange rate is attributed to multiple factors, including a robust domestic economic recovery, which has bolstered employment and consumption data, thereby enhancing market confidence [2]. Factors Behind Stability - Balanced cross-border capital flows, with foreign capital inflows and outflows maintaining relative equilibrium, have prevented significant exchange rate fluctuations [3]. - Diminished expectations for US interest rate hikes, with increasing anticipation of a pause by the Federal Reserve, has contributed to a retreat in the US dollar index, providing a buffer for the RMB exchange rate [5]. Exchange Strategy - Individuals should make rational decisions regarding currency exchange based on actual needs, avoiding impulsive actions. For those planning to travel or study abroad, exchanging USD around the 7.17 level is considered reasonable, as it is lower than the previous year's high of 7.30 [6]. - Caution is advised against short-term speculation, as limited exchange rate fluctuations may lead to increased transaction costs without significant gains [6]. Future Outlook - The future trajectory of the RMB will largely depend on two key factors: the strength of China's economic recovery and the policies of the US Federal Reserve regarding interest rates [7][8]. - Market expectations suggest that the RMB to USD exchange rate will fluctuate within the 7.10 to 7.20 range in the second half of the year, with minimal chances for large swings unless unforeseen "black swan" events occur [9]. Currency Exchange Tips - It is essential to assess personal currency needs rationally and avoid chasing market trends, as short-term fluctuations have limited impact on overall costs [11]. - Utilizing official channels, such as banks, for currency exchange is recommended to avoid pitfalls and additional fees [11]. - Understanding overseas payment fees is crucial, as using credit or debit cards abroad may incur high transaction and withdrawal fees, potentially leading to higher costs than direct currency exchange [11].

Core Viewpoint - The central point of the article is the adjustment of the Chinese Yuan (RMB) exchange rate against the US Dollar, indicating a slight appreciation of the RMB in the latest trading session [1]. Exchange Rate Summary - The RMB central parity rate against the US Dollar is reported at 7.1475, which is an increase of 35 points from the previous trading day's rate of 7.1510 [1]. - The official closing price of the RMB on the previous trading day was 7.1776, while the night session closing price was 7.1780 [1].

Core Insights - The RMB to USD exchange rate remained stable on July 7, 2025, with onshore RMB (CNY) opening at 7.1641 and closing at 7.1692, while offshore RMB (CNH) opened at 7.1621 and closed at 7.1676, indicating a relatively calm market environment [3][4][6] Exchange Rate Data Analysis - On July 7, the onshore RMB reached a high of 7.1709 and a low of 7.1641, with a closing value of 7.1692, while the offshore RMB closed at 7.1676, maintaining a narrow spread of 10 basis points [3][4] - The actual exchange rate for consumers is expected to be around 7.17, factoring in bank fees [3] Factors Behind Exchange Rate Stability - Market confidence in the RMB remains stable, leading to minimal expected fluctuations [6][9] - The People's Bank of China effectively balanced liquidity and interest rates, preventing significant exchange rate volatility [6][11] - Recent improvements in export data have contributed to a more balanced foreign exchange supply and demand [4] Future Exchange Rate Predictions - The RMB to USD exchange rate is expected to fluctuate within the range of 7.15 to 7.20, with low likelihood of significant appreciation or depreciation in the short term [9][10] - Domestic economic stability and steady export growth support this outlook [9] - The nearing end of the Federal Reserve's interest rate hike cycle reduces pressure on the USD [10] Impact of Exchange Rate Fluctuations - For individuals repaying USD loans, the current exchange rate of 7.17 compared to 7.20 can save approximately 30 RMB monthly, totaling 360 RMB annually [7] - Investments in USD-denominated assets, such as US stock funds, are directly influenced by exchange rate movements [7] - Export-oriented businesses benefit from the current exchange rate range, allowing for better currency conversion and reduced financial pressure [7] Strategies for Managing Exchange Rate Volatility - Individuals should adopt a stable approach to currency exchange for travel or study, rather than attempting to time the market [12] - Export companies are advised to implement flexible, phased currency conversion strategies to mitigate short-term risks [12] - Investors in USD assets should continuously monitor Federal Reserve policies and domestic interest rates to optimize their asset allocation between RMB and USD [13]