Since the beginning of this year, RMB rate Continuing to decline, under the influence of the appreciation of the US dollar and the increase of foreign currency deposit rates, recently, the US dollar financing has attracted the attention of many investors. On the 12 day, reporters learned that the earnings of US dollar financial products were higher recently, and the earnings of individual US dollar financial products exceeded RMB.

"If you consider the need for foreign travel and the like, you need to use the US dollar, and if you worry about the small amount of cash in the exchange, you can choose to invest in the short-term US dollar financial products." Yesterday, in the vicinity of a bank node in Changchun's workers' and peasants' Square, the reporter consulted by ordinary customers. The bank staff said that the annual yield of US dollar financial products is not the highest among the foreign currency financial products sold by banks, but generally it can reach about 2%~3%, and the return rates of individual products and one-year RMB fixed deposit are basically the same.

Yesterday, reporters sold several banks. US dollar financing Comparing the expected rate of return of products, it is found that the expected yield of US dollar financial products in some banks has gone up since the beginning of the year. Take a US dollar product with a 6 month period as an example. The expected return rate of a similar product sold in November last year was 2.1%. Since the beginning of this year, the expected yield of the product has gone up, reaching a maximum of 3.6%.

Another one of the joint-stock commercial banks is selling a one-year US dollar financial product with an expected annual yield of 4%.

According to the statistics, the average expected rate of return for the 3 month period is 1.93% in the non structured dollar products sold in May 8th. The average expected rate of return for the 6 month period is 3.64%, and the average expected rate of return for a one year period is 3.34%.

"The recent gains in US dollar financial products have a certain relationship with the rising trend of US Treasury bond interest rates." Agricultural Bank of China Jilin branch wealth management center wealth adviser, international financial management division Liu Jianhua analysis.

However, insiders remind investors that compared with the current average expected yield of RMB financing, the US dollar financing is still relatively low, so we will take the money on hand. RMB We should be cautious in exchanging dollars for investment. We should be vigilant against the risk of exchange rate fluctuations and ordinary investors should not follow suit.