Ping An, Pitt Bank.

"Lao Zhang, is it insured? You won't cheat us out of your money, will you? ”

"I said you're a 'Liu Laodan', people's Pitt Bank is a regular international enterprise, and now we use Pitt Bank cards for ordinary business and infinite dreams, can we deceive you of the tens of thousands?"

"Hey, hey, it's ...... too"

Outside the bank, two old Ping'an people walked into the hall one after the other.

Lao Liu's name is Liu Changkun, and since his wife died, he has been called 'Liu Laodan', which means to be old and single. I just retired from the agency and used to work as a material clerk in the unit.

Lao Zhang's name is Zhang Housheng, known as Zhang Monkey, he retired two years earlier than Lao Liu, and he has been playing stocks before.

Now the Japanese stock market is in turmoil, and the Chinese stock market has also entered the off-season.

So Lao Zhang is ready to enter the foreign exchange world.

……

It is said that after seeing the news on TV last night that 'the yen continues to climb and the yuan is faintly rising', he came up with the idea of speculating in foreign exchange.

"Yo, it's a monkey, what's the matter? Are you also here to open an account and play Forex? ”

"Hehe, brothers, they're all here, it's very lively."

Chinese people have a 'pile' in their hearts, and more people means they will not be deceived.

Looking at the crowded crowd in the hall, Lao Zhang knew that he had come to the right place.

During the queue, a middle-aged man who had just applied for a bank card also seemed to be interested in foreign exchange speculation.

He walked up to Lao Zhang and asked, "This big brother, I heard that you talk about foreign exchange speculation, is this different from stock trading?" ”

'Speculating in foreign exchange' is still relatively unfamiliar to many Chinese.

This is mainly because the foreign exchange market has not yet been opened in China, and the state is more cautious about this.

There are many counterfeit agency companies in China that defraud under the guise of foreign agents. The amount of money deceived is as high as tens of millions every year.

"It's similar to trading stocks."

Lao Zhang preached with half-baked foreign exchange knowledge: "You know how to speculate stocks, right? Stocks have risen and fallen, and so has foreign exchange......"

"Do you know about the recent financial crisis in Japan?"

"I know, now little Japanese money is not used as money, and many people have jumped off the building."

"Isn't it?"

As soon as the middle-aged man spoke, the hall was lively with discussion.

"I have a relative in Japan...... Today is fine, the next day the boss jumped off the building, and he is still borrowing the money for the ticket back to China. ”

"Really?"

"So: It's better to be outside than at home now, you look at our safety now, that's worse than abroad?"

"That's it...... Hey, big brother, what kind of speculation is foreign exchange? Where to fry? ”

A northern aunt who came to open an account pulled Lao Zhang to ask.

Lao Zhang was curious: "You didn't open an account for foreign exchange speculation?" ”

"It's not!"

The aunt smiled: "I see that there are many people who come to the bank to open an account in the morning." Just come and see. I heard that young people use this bank card to buy things online, which is convenient, and the interest rate is high......"

"You just said that this bank can also speculate in foreign exchange?"

"Yes, auntie."

Hearing their discussion, bank manager Li Wei stepped forward and said:

"Since yesterday, our bank has added foreign exchange trading business. We have foreign exchange platforms in many foreign countries. One-to-one service. You buy foreign currency at our bank. It's the equivalent of buying in the U.S. ”

"The biggest advantage of our bank is internationalization, and one currency is used in the world. If you're traveling to the U.S., you don't have to carry a penny. As long as we bring our bank card, we can withdraw US dollars, which no bank in China can do. ”

"Hehe......"

Hearing this, everyone around me had a feeling of 'being elevated'.

Aunt North asked, "Then can I fry it now?" How to fry? How much is the minimum? ”

As soon as she asked, everyone opened their eyes and ears to listen.

Manager Li Wei smiled: "There are two modes. One is independent trading, that is, you can buy as much as you want, and all kinds of foreign exchange can be used. You can download software on your mobile phone or computer to see the increase in the currency you buy in real time. ”

"The other is to entrust us with an agent, here are a few packages for us, you can take a look."

"Okay." Aunt North took the brochure and asked: "Then can you give the aunt a thorough letter, which country's foreign exchange can you buy to make money?" ”

"I can't say this......" Manager Li Wei shook his head and smiled: "My judgment is just a personal opinion, and there is no guarantee of profit or loss." ”

"However, our bank recommends buying RMB. But this is only a building yì, a qiē loss we are not responsible. ”

"Renminbi? Isn't the national policy to stabilize the RMB? ”

"I think the yen is good, and now countries are preparing to save the yen."

"Well, now that the news network has said that the yen is starting to pick up, it is best to buy it now."

"Material! This kid must have inside information. ”

While everyone was talking, Lao Zhang noticed the change in Li Wei's expression, and suddenly he made a decision in his mind!

He pulled Lao Liu to the side and said, "Brother, have you thought about it?" ”

"Forget it, monkey, we don't understand foreign exchange, don't get caught up again."

Lao Liu said uneasily.

Before, he followed Lao Zhang to speculate in stocks, and tens of thousands of pensions were still set, but today this monkey brought him to speculate in foreign exchange, and he was really a little worried.

"I'm afraid of a ball! This is a great opportunity! I'll tell you when you come out. ”

As he spoke, Zhang Monkey pulled Lao Liu out of the bank hall.

……

Outside the bank.

Lao Zhang said: "Now that the United Nations has announced the rescue of the yen, and all countries are speculating in foreign exchange, why don't you let the money go?" ”

"Then you say let's buy yen?" Lao Liu was asked by him, and he was not assertive at first.

"Shit, the yen is a dou who can't be helped!"

Zhang Monkey looked around and whispered, "I mean sell us RMB!" ”

"Do you know what the national policy is? The United States has wanted to raise the renminbi several times, but our country just doesn't allow it, which is related to the export of goods. ”

"But what are you thinking about yesterday's news? The state said: it will be possible to waive export subsidies and increase export taxes! ”

"Do you know what that means?"

"What do you mean?" Lao Liu said with a confused face.

"Stupid. It's a shame that you've been working in the organs for so many years, and you can't even see the party's basic line. ”

Zhang Monkey said with a smile: "In the past, we exported our products, but there were government subsidies, in order to make the products more competitive in foreign markets. Now the abolition of subsidies and the increase in taxes are hinting to those companies: the yuan is going to rise! ”

"What does this have to do with the rise of the renminbi?"

Lao Liu began to be confused again.

"You don't understand that?"

Zhang Monkey rolled up his sleeves, took out two cigarettes from his shirt pocket and said: "The high RMB exchange rate has strong purchasing power, which is conducive to product imports, but not conducive to product exports." ”

"It's the same dollar, right? If the value of the renminbi doubles. You can spend this piece as two dollars! Don't understand? ”

"Understood."

Lao Liu lit a cigarette and smiled: "You mean." The state uses the 'signal of removing subsidies' to imply that those exporters are reducing exports, in order to prepare for the rise of the yuan? Isn't it? ”

"By the way, my old brother, you get it. Come on......"

Seeing that someone was eavesdropping on the side, Lao Zhang pulled him to a tree:

"I dare say. The folks at Pitt Bank must know. That's why they dare to recommend buying RMB. Now the renminbi has started to trend a little upward......"

"I still have fifty or sixty thousand in my hand. I'm ready to take a gamble this time! ”

"What should I do if I lose it?" Lao Liu was still a little worried.

"Look at your guts!" Lao Zhang said simply: "If you don't play, if you don't play, lend me your money, and I will give you 5% interest if you earn it." ”

"Play!" Lao Liu puffed up and said, "I still have 40,000." How about putting it together and making up a whole number? ”

"Isn't that enough!"

Zhang Monkey clapped his hands, snuffed out his cigarette and said: "Give me your ICBC card, I'll go and withdraw the money, this is my ID card, you help me line up to open an account." ”

……

At 1 o'clock in the afternoon, as soon as they returned home, the two old men tinkered with the computer according to the instruction manual issued by the bank.

In the past, the two elders had experience in online stock trading, and it was difficult for them to download and install.

"This is on the landing?"

In front of the computer, Lao Liu looked at the computer screen with a pair of glasses.

The different layout interface makes him unable to touch the southeast and northwest.

"Where can I see our stock?"

"What stocks, it's foreign exchange."

Lao Zhang raised his eyes, took the manual and carefully compared the screen, and then clicked [My Account] - [Foreign Exchange I Purchased] - [None]......

"Oh, Lao Zhang, we have no money!" Liu Laohan was shocked.

was shouted by him, Lao Zhang also jumped, and then clicked on the account balance information in the upper left corner to relax.

"Panic, you shouted before you sold it, isn't the money still on the account!"

"Hehe, I thought the bank had already sold it for us." Lao Liu smiled badly.

"By the way, Brother Monkey, it's RMB and US dollars on it, and it's RMB and yen, which one are we selling?"

"Don't worry, let me figure it out."

Lao Zhang lit a cigarette, and it was the first time he touched foreign exchange, so he was not very familiar with the above operations.

Speculating in foreign exchange is actually using the national currency to exchange the currencies of other countries.

At the beginning, the purchase value is reciprocal, and what is earned is the 'profit or loss' caused by the operation (i.e., the meaning of making money and losing money).

Like what:

The renminbi was trading at 6.1413 against the US dollar an hour ago, and rose to 6.1610 against the US dollar an hour later.

That's 197 basis points from above, which is roughly equivalent to 1 cent, 9 cents and 7 millimeters.

According to the maximum leverage of 400 times provided by the bank, it is equivalent to earning 7.88 RMB.

That's still the effect of $1.

If you invest $1,000 to buy RMB, you can exchange it for 7,880 RMB, an increase of 1,739 RMB.

However, at this time, if it is converted into US dollars at the current exchange rate, it is still the 1,000 yuan, and only in the next exchange rate change can you get the opportunity to make a profit.

In short, whether it is a 'profit or loss', you will make a profit or a loss in foreign exchange speculation, because a rise in the RMB means that you have less US dollars against the huàn, and a decrease (appreciation) of the RMB means more US dollars against the huàn.

"Promoted Brother Monkey! You see, just now the spot exchange rate of the RMB was still 6.1993, and now it has jumped to 6.2010! ”

"Bullshit, this is an increase for Lao Mei, but it is a drop for us, do you know? Just now it was 6.1 yuan to huàn 1 US dollar, and now it is 6.2 yuan to 1 dollar. ”

As he spoke, Lao Zhang began to pay attention to the exchange rate changes with great interest.

…… (To be continued......)