银行买卖外汇与外钞有何不同

2025-03-03 19:53:17
推荐回答(1个)
回答1:

目前的外汇属性分钞和汇两种,简单来说就是钞是保有的现钞,钞票;汇,只是记账的外汇。
因为保管外币需要成本,故钞 汇 价格有所区别。
以下列牌价为例
币种 交易单位 中间价 现汇买入价 现钞买入价 卖出价
美元(USD) 100 662.77 660.78 655.48 664.76
港币(HKD) 100 85.27 85.10 84.50 85.44
欧元(EUR) 100 856.30 852.87 825.90 859.73
英镑(GBP) 100 1031.01 1026.89 994.41 1035.13
日元(JPY) 100 7.98 7.95 7.70 8.01

买入价就是银行买入客户外汇的价格 以美元为例 银行买入现汇的价格是660.78 买入现钞的价格是655.48 因为银行保存现钞需要支付成本 所以只愿意以较低的价格买入

现钞如果存入银行想汇出境外 只能折算成现汇汇出 这叫钞汇折算 中间会损失一部分价值

基本的内容就是这些

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