資料圖
美聯儲宣佈加息，這是2015年全球最大的經濟事件，也將對中國未來經濟走勢、投資機會産生巨大的影響。美聯儲宣佈加息，從而結束持續七年的近零利率時代。
The Federal Reserve raised interest rates, which is 2015 the world's largest economy event. China will also have a huge impact future economic trends and investment opportunities. The Federal Reserve raised interest rates, ending seven years of near-zero interest rate era.
12月16日，據央行公佈匯率中間價報6.4626，比上一個交易日貶值67點，續創4年新低，至此中間價已經連續八個交易日下跌，累計下跌775個基點。從12月4日算起，人民幣對美元即期匯率從6.4020一路跌到了6.4610，8個交易日貶值了0.92%。
On December 16, according to central parity rate at 6.4626, by 67 points compared with the previous trading day. It continued to a 4-year low. This rate has been falling for eight consecutive trading days, fell 775 basis points. Starting from December 4, Yuan against the US dollar spot rate has dropped from 6.4020 to 6.4610, 8 trading days fall 0.92%.
美聯儲加息就猶如一柄“達摩克利斯之劍”，懸于全球金融市場之上，人民幣也不例外。瑞銀證券預計，2016年底人民幣對美元報6.8，這意味著人民幣對美元將貶值5%。
The Fed raising interest rates is like "the sword of Damocles", hanging above the global financial markets. Yuan is no exception. UBS Securities predicted Yuan at 6.8 to the dollar in late 2016, which meant that devaluation of the Yuan against the dollar to 5%.
人民幣貶值，跟我有什麼關係？可能很多網友都會這樣問。其實，這跟我們的生活，還是大有關係的。
The devaluation of the Yuan have to do with me? Many users might have asked. In fact, that is influencing our life and is still a great deal.
人民幣貶值，影響最大的就是有出國留學、出國旅遊、出國購物、海外代購等需求的網友。數據顯示，去年我國內地公民出境遊突破1億人次。以美國遊為例，按每人平均消費5000美元計，人民幣匯率從6.2跌到6.4，約增加花費1000元。
The devaluation of the Yuan is having the greatest effect on going abroad, foreign travel, shopping, overseas residents needs friends abroad. Data show that mainland China outbound travel exceeded 100 million passengers last year. United States tour, for example, per capita consumption of 5000 USD, RMB exchange rate dropped from 6.2 to 6.4, about increased costs 1000 Yuan.
所以，事實上，你口袋裏的錢就這樣悄悄地飛走了！那麼，如何保護我們的“錢袋子”？
So, in fact, your pocket money away so quietly. So, how to protect the "money bag"?
對於國內大部分的老百姓來説，人民幣波動的影響可能不是特別大；但是如果你有計劃進行一些海外支出，例如海外的消費或者孩子將來出國留學等，那可能需要提前做一些準備。比如，可以考慮提前兌換一些美元；有海外消費需求的網友，可以考慮在消費時，多使用刷卡消費，回國後再還人民幣。（作者：趙皓月綜合報道 陳雨薇/譯）
For most people, currency fluctuations may not be particularly great. But if you have to plan some overseas spending, for example, consumption abroad or their children to study abroad in the future, it may need to do some preparation in advance. For instance, you can consider advancing exchange some dollars. Users with overseas demand, consider at the time of consumption, greater use of consumer credit card, to return home after the Yuan.
未經允許不得轉載：中國網浙江新聞 » 穩健+避險 中産更需要優質不動産
