近期，人民币汇率一路走高。11月27日，人民币对美元即期汇率一开盘即强势上扬，而且很快触及6.2223的涨停上限，创出了2005年人民币汇改以来的新高。在近期的24个交易日内，人民币对美元即期汇率已经21次触及涨停上限。而今年以来整个外贸形势都不容乐观，人民币汇率走高对我市外贸企业而言犹如雪上加霜。

recent,The exchange rate for the renminbi go all the way high.Nov. 27,The spot exchange rate of the RMB against the us dollar is a strong opening up,And soon reached 6.2223 the harden upper limit,Created in 2005 to RMB exchange record high since.In the recent 24 trading days,The spot exchange rate of the RMB against the us dollar has 21 times touch harden upper limit.And since this year the foreign trade situation is not optimistic,The exchange rate for the renminbi go high to the our city in foreign trade enterprises like add insult to injury.

　　我市出口企业多以中小民营企业为主，在国际贸易中缺乏话语权，很难做到以人民币来结算。据市商务局匡算，目前我市外贸企业的出口结算币种中，有80%以上选用美元。人民币汇率不断走高，给不少出口企业直接带来不利影响。

The export enterprise in small and medium-sized private enterprises,Lack of voice in international trade,It is difficult to do in yuan to settlement.According to city business bureau rough estimate,At present our city foreign trade enterprise export settlement in the currency,More than 80% chose the dollar.The RMB exchange rate continuously go high,Give a lot of export enterprise directly bring adverse effect.

　　有关数据显示，人民币每升值1%，外贸企业利润就会下滑1%～4%。“人民币升值1%，我们企业的利润具体会下滑多少没有测算过，但任何一家以出口为导向的企业都无法忽视汇率损失。”永康博泰工具有限公司的产品主要销往东南亚和中东及东欧市场，企业相关负责人在谈到汇率风险时颇为忧虑，认为这是与产品成本高企一样悬挂在企业头上的一把利剑。

Relevant data show,RMB appreciation of 1% each,Foreign trade enterprise profit will decline by 1% ~ 4%."The appreciation of the renminbi 1%,Our enterprise profits can specifically how much down without a measure,But any a export oriented enterprise cannot ignore rate loss."Yongkang aoptek scientific provide tools co., LTD. The main products are sold to southeast Asia and the Middle East and eastern Europe market,The relevant person in charge of the enterprise in talking about exchange rate risks rather worry,Think this is high and product cost as suspension in the enterprise head a sword.

　　记者昨日采访了我市多家纺织品出口企业负责人，他们均表示人民币升值会对企业带来不利影响。“纺织品出口利润率很低，平均在5%左右。近来人民币连续升值，成本上涨对我们企业产品出口有直接影响。”一家纺织品企业进出口部经理刘女士告诉记者，由于汇率上涨，产品报价也得跟着变化，具体价格还得与客户协商，比如到底涨价不涨价、涨多少等，本来就不敢接订单，增加了这个不确定因素后，心里就更没有底了。

Reporter yesterday interview our city much home textile exports the responsible person of the enterprise,They have also expressed the appreciation of the renminbi will bring adverse effect to the enterprise."Textile export profit rate is very low,By 5% on average.Recently the continuous appreciation,Rising costs for our enterprise has a direct impact on the product export."A textile enterprise import and export manager liu told reporters,Due to the rise in the exchange rate,Products quotation have to follow changes,Specific prices still have to negotiate with customer,For example what prices do not rise in price/Up how much,Originally can't receive orders,Increase the uncertainty factors,My heart is more no bottom.

　　为在困境中求生存，一些外贸企业再度对通过银行购汇、办理远期结汇等业务产生兴趣。记者从几家银行了解到，近期前来咨询、办理该类业务的人数明显增多，各家银行也纷纷举办讲座，推出最新避险金融工具。

For in the soup of survival,Some foreign trade enterprises to purchase again by the bank/To deal with forward foreign exchange settlement business interest.Reporters from several Banks to know,In the near future to come to consult/To deal with this kind of business of a significant increase in the number,Banks have also held seminars,Launched the latest hedge financial instruments.

　　前不久，磐安县个体民营企业协会联合中国银行磐安支行举办了一期以“规避汇率风险、实现资产保值增值”为主题的汇率避险专题讲座。中国银行浙江省分行的资金业务专家为该县36家出口型企业的财务人员上了生动一课，从近期国际市场汇率走势分析入手，着重讲解了欧债危机、QE3（美国第三轮量化宽松货币政策）对中国经济、人民币汇率的影响，并就欧债危机走向何方、国内经济第四季度是否会企稳、人民币是否重启升值通道等问题进行了探讨。有关专家还为企业提供了一些规避汇率风险的金融工具，比如远期结售汇、区间宝、远期转收款等。

Not long ago,Panan county individual private enterprise association jointly the bank of China branch countries held a period to"To avoid exchange rate risk/To realize the value of the assets"As the theme of the exchange rate hedge seminar.Zhejiang branch of the bank of China fund business experts for the county 36 home export-oriented enterprise financial personnel on the vivid lesson,From the recent international market exchange rate trend analysis,Mainly explained the debt crisis/QE3(America's third wheel quantitative easing monetary policy)To China's economy/The influence of the exchange rate for the renminbi,And where European debt crisis/The fourth quarter of the domestic economy will stabilises/Whether or not the RMB to restart appreciation channel are discussed in this paper.Experts also provide enterprises with some to avoid exchange rate risk of the financial instruments,Such as forward writtens guarantee/Interval treasure/Forward turn receipts, etc.

　　由于人民币汇率市场环境由以前的“单一升值”转变为“双向波动”，外贸企业经营风险加大。农业银行金华分行积极利用相关金融工具，帮助出口企业规避汇率风险。有关部门统计数据显示，今年前9个月，该行共办理远期结售汇3.07亿美元，办理远期结售汇交割业务3.91亿美元，为企业增加收益超过2000万元。今年以来，农业银行金华分行共为200多家国际结算客户举办了外贸企业汇率避险讲座，并为企业提供规避汇率风险实用的操作建议。

Because of the RMB exchange rate by the market environment before"Single appreciation"into"Two-way fluctuation",Foreign trade enterprise business risk increase.The agricultural bank jinhua branch is positive to make use of the relevant financial tools,Help the export enterprises to avoid exchange rate risk.The relevant departments of the statistical data shows,The first nine months of the year,The bank a total of $307 million for forward writtens guarantee,To deal with forward writtens guarantee delivery business $391 million,For enterprises to increase income of more than 20 million yuan.Since this year,The agricultural bank jinhua branch for a total of more than 200 domestic international settlement customer held a foreign trade enterprise exchange hedge lecture,And to provide enterprises with to avoid exchange rate risk practical operation Suggestions.

　　“我们公司采取美元贷款，以此规避汇率风险。”昨日，一家出口企业负责人对记者说。记者发现，利用这一手段的企业不在少数。通常国内企业申请融资，币种都是人民币，而实际上进出口贸易公司也常常直接申请外币贷款，比如先借美元，当人民币升值、美元贬值后就能够以更少的人民币来偿还美元贷款。这样一来，汇率波动对公司造成的影响就会降到最低。另外，远期汇率锁定规避风险也是常见的方法。

"Our company take dollar loan,To avoid exchange rate risk."yesterday,An export enterprise person in charge told reporters.Reporter discovery,Use the means of enterprise is not a few.Usually domestic enterprises apply for financing,Currency is RMB,But in fact the import and export trading company is often directly apply for foreign currency loan,For example to borrow dollars,When the appreciation of the renminbi/After the dollar can with less RMB $to repay the loan.so,Exchange rate fluctuations on the impact of the company will to a minimum.In addition,The forward rate lock evade risk is also common method.

　　不过，市商务局相关人员表示，一些方法如美元贷款并非所有企业都适用，它要求相关企业必须有较高的资信度。随着跨境贸易人民币结算的推广和日趋成熟，我市已有出口企业出于财务便利和规避外汇风险需要，在积极争取人民币作为结算货币。从当前的贸易顺差情况来看，人民币汇率近期的大方向仍然是升值，但受制于稳定出口以及宏观经济等因素，不会出现持续大幅度升值。随着人民币汇率趋向合理均衡水平，人民币对美元汇率双向波动的趋势将进一步增强。

but,City business bureau related researchers say,Some methods such as dollar loans not all businesses are applicable,It requires related enterprise must have higher competency.With the promotion of cross-border trade RMB settlement and mature,The existing export enterprise from financial convenience and avoiding the risks of foreign exchange need,In the positive for renminbi as the settlement currency.From the current situation of the trade surplus,The exchange rate for the renminbi is still the general control of the recent appreciation,But subject to stable export and macroeconomic factors,Not a sustained rise greatly.As the RMB exchange rate trend reasonable equilibrium level,The RMB against the us dollar exchange rate two-way fluctuation trend will be further enhanced.