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fa-link"></i>網絡整理<i class="fa fa-user"></i>夾春卷</div> <div class="logcon"> <p>　　<strong>調整個人外匯買賣業務并非不能“換匯”</strong></p> <p>　　本報記者姚進</p> <p>　　近日，華夏銀行官方網站發布了《關于暫停個人外匯買賣業務的通告》，引發市場熱議。隨后，華夏銀行發布澄清聲明稱：暫停辦理個人外匯買賣(外匯兌外匯)業務是系統升級所致，并強調個人結售匯業務不受影響。</p> <p>　　個人外匯買賣不等于個人結售匯。具體來看，個人外匯買賣業務是指個人客戶委托的以國際外匯市場行情為基礎，將一種可自由兌換外匯兌換成另一種可自由兌換外匯的個人外匯業務，如美元兌換英鎊、美元兌換日元、日元兌換英鎊、美元兌換歐元等。個人結售匯業務是指以人民幣購買外匯或以外匯兌換人民幣業務。 <br /></p> <p>　　通常我們進行人民幣匯兌，是經常項目下的需求，如出國留學、出境旅游等，每人每年有5萬美元(或等值)的額度可以使用。個人外匯買賣則是另一回事，如港幣兌換美元、美元兌換英鎊等，帶有一定投資甚至投機“炒匯”性質。商業銀行正在逐步壓縮俗稱“炒匯”的個人外匯買賣業務，但卻容易引發用戶誤讀，與俗稱“換匯”的個人結售匯業務混淆。</p> <p>　　“目前國際經濟形勢復雜，外匯市場波動較大，華夏銀行綜合考慮客戶風險承受能力等因素，暫停個人外匯買賣業務，但客戶正常的結售匯業務將不受影響。后期將根據市場變化、客戶需要做好各項服務調整?！比A夏銀行行長張建華在2021年半年度業績發布會上回應該事件時表示。</p> <p>　　光大銀行分析師周茂華表示，銀行對相關業務的調整，相當于向投資者提示市場風險，提醒其理性和謹慎操作，有助于降低市場非理性投機炒作行為。</p> <p>　　對于外匯投資，當前合法的投資渠道主要有三類：一是購買銀行的相關外匯理財產品，包括個人外匯實盤買賣業務交易、外匯期權交易、遠期結售匯業務等；二是投資B股；三是投資QDII產品。此次華夏銀行暫停個人外匯買賣業務，屬于上述第一種。</p> <p>　　即便如此，賬戶外匯交易產品也較為復雜，許多商業銀行壓縮“炒匯”業務的做法也不太一樣。比如，六大國有銀行中，工商銀行自8月15日上調外匯業務的投資風險等級，賬戶外匯產品的風險級別調整為第5級(R5)，客戶風險承受能力評估結果要求調整為進取型(C5)。其中，C5客戶可繼續在工行辦理賬戶外匯業務。再比如，7月27日，招商銀行關閉個人雙向外匯買賣業務(非實盤外匯買賣)新客戶簽約功能。8月11日起，將根據新版協議文本，逐步對符合一定條件的無持倉客戶關閉個人雙向外匯買賣業務。</p> <p>　　“考慮到外匯市場風險較大，招商銀行未來將進一步從嚴限制個人雙向外匯買賣業務，若客戶有個人雙向外匯產品持倉余額，請保持關注并做好倉位管理，適時降低持倉余額?！闭猩蹄y行表示。</p> <p>　　事實上，外匯投資理財的政策性和專業性都很強，監管的態度也很明確。今年5月份，全國外匯市場自律機制第七次工作會議強調，企業要聚焦主業，樹立“風險中性”理念，避免偏離風險中性的“炒匯”行為，不要賭人民幣匯率升值或貶值，久賭必輸。金融機構不僅不能幫助企業“炒匯”，自身也不宜“炒匯”，否則不利于銀行穩健經營，還會造成匯率大起大落。</p> <p>　　據了解，目前工行、農行、中行、建行、中信、光大等銀行均未暫停個人外匯交易業務，只是網點兌換外幣普遍需要預約。</p> </div> <script>cambrian.render('body')</script> <div class="imoney"> <script src='/plus/ad_js.php?aid=4' language='javascript'></script> </div> <div class="nextlog"> <a href='/caijing/9908.html' class="prev"><span>上一篇</span><i class="fa fa-angle-left fa-3x"></i><strong>告別“望眼欲穿” 快遞服務進鄉村步伐還可更快</strong></a> <a href='/caijing/9912.html' class="next"><span>下一篇</span><strong>侵權一粒種判賠五千萬</strong><i class="fa fa-angle-right 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