华夏银行：外币存款利率高 选择定存避风险

Huaxia bank: foreign currency deposit interest rates will choose save to avoid risk

The Spring Festival approaching, the hands of the money how to save to have the greatest benefits, as many people are concerned about important issues.

Beijing tongzhou leaves lady operates a foreign trade company, mainly to Europe and Australia market. Because the work needs, her hands holdings of foreign currency is more, part of the deposit ChengHuoQi and notice deposit for a rainy day, part of the deposit into 1-6 months of the current, and part of the purchased foreign currency financial products.

In October 2012, leaf lady was deposit bank told the euro, Australian dollars interest rates are cut, some interest rates as high as 70%, foreign currency financial products have also lowered the rate of return. Exchange rate changes to speed up the situation, how to make the hands of the foreign currency assets have more security? Whether to financial products and replacement for deposit? Leaf lady paid great attention to.

The reporter understands, leaf lady trouble is foreign currency holding family commonly problems faced. In July last year after that, despite the people's bank of China has not cut interest rates again, but foreign currency deposit "cut" but quietly opened, each big state-owned Banks and commercial Banks are the foreign currency deposit was cut down, and at the same time, the rate of return on financial and foreign currency. Some financial products revenues have close to deposit level, and has a risk.

For this, the reporter compared several state-owned Banks and joint-stock commercial Banks, found the huaxia bank foreign currency interest rate is higher. For example, euro a month, three months, six months, one year, two years deposit interest rate: 0.75%, 1.0%, 1.125%, 1.25%, 1.3125%, is the other bank 2 to 25 times the inequality. At this time, for foreign currency deposit, huaxia bank become the best choice.

To leaf lady euro deposit as an example, the huaxia bank 100000 euros ($) a year can get interest 1250 euros per year than any other bank interest, can be more income 625 euros ($), is the customer the most affordable a choice.

In addition, financial analysts remind, foreign currency remains weak, the financial market influence, in addition to itself yields are low, the rate of loss is not small, so, to hand temporarily not swap needs of investors, can temporarily give up some foreign currency financial product investment, to exchange time deposit constant income.