人民币，杀疯了！ 就在刚刚，离岸人民币兑美元升破7.0大关。 最高触及6.9968，为2024年以来首次。 但自今年4月份开始，人民币就进入了强势升值通道。 最终在今天升破7.0大关！ 原本，100万人民币只可以换13.46万美元； 但现在，100万人民币可以换14.29万美元； 相当于足足可以多换8322美元，接近6万人民币了！ 不容易啊！ 历时整整两年零7个月，人民币汇率终于再次回到7以下。 没错，人民币汇率上一次在7以下，还是在2023年5月。 我今年最开心的，就是在4月份，把美元换回了人民币。 如果等到今天来换，就要亏5%！ 5%啊！ 首先当然跟漂亮国有关。 美国经济疲软、债务风险升温，美联储自9月起开启降息； 12月，美联储又如期降息了25个基点。 再加上近期中美经贸关系走向阶段性稳定，这就为人民币升值创造了外部环境。 当然，人民币想要更值钱，更重要的前提当然得是，我们自己足够强！ 海关总署公布的最新数据，今年前11个月，东大的贸易顺差，突破了1万亿美元。 如果有人刚好要去美国留学或者旅游，那么早几个月换和现在换，真的是天差地别。 那么问题来了，人民币汇率为什么突然间强得可怕？！ 原因是多方面的： ...

Core Viewpoint - The resilience of China's foreign exchange market has strengthened in the first half of the year, with significant surpluses in both bank foreign exchange settlement and cross-border payments, indicating a stable outlook for the market in the second half of the year [1][2]. Group 1: Foreign Exchange Market Performance - In the first half of the year, the bank's foreign exchange settlement surplus reached 85.2 billion USD, and the surplus for cross-border payments was 83.4 billion USD, primarily driven by high surpluses in goods trade and direct investment [2]. - The foreign exchange settlement rate increased slightly, with a rate of 66% for customer purchases from banks, up 2 percentage points from the previous year [2]. - The foreign exchange deposit balance for enterprises remained stable at 695.1 billion USD, with a settlement rate of 67%, which is an increase of 0.4 percentage points compared to the same period last year [2]. Group 2: Foreign Exchange Derivatives and Risk Management - The scale of enterprises using foreign exchange derivatives for risk management grew by 29% year-on-year, significantly outpacing the growth rate of foreign exchange settlement, raising the hedging ratio to 26%, an increase of 4.1 percentage points from the previous year [3]. - The foreign exchange reserve stood at 3.0713 trillion USD at the end of June, with fluctuations in value due to the rising dollar index and falling prices of major financial assets [3]. Group 3: Foreign Investment in Chinese Bonds - Despite recent international market volatility, foreign investment in Chinese bonds is expected to continue steadily, with foreign holdings of Chinese bonds remaining stable and accounting for over 50% by central bank institutions [4][5]. - By the end of 2021, China had attracted nearly 820 billion USD in cross-border bond investments, representing about one-third of the total external bond investment in emerging markets [4]. Group 4: Support for Enterprises in Managing Exchange Rate Risks - The foreign exchange bureau is actively supporting enterprises, especially small and medium-sized enterprises, in managing exchange rate risks by reducing hedging costs and enhancing their risk management capabilities [7][8]. - In the first half of the year, enterprises utilized foreign exchange derivatives to manage risks amounting to 755.8 billion USD, with nearly 17,000 new enterprises engaging in hedging, most of which are small and medium-sized [8].