Recent media reports revealed that a depositor who put over USD 8,000 into a one-year bank deposit ended up losing more than RMB 1,000 due to exchange rate fluctuations—despite earning interest. This has drawn public attention to the risks associated with holding U.S. dollar deposits. In reality, returns on dollar-denominated savings depend not only on interest rates but also on changes in the RMB/USD exchange rate. If the RMB appreciates during the deposit period, converting the dollars back into RMB at maturity could result in a net loss—even after accounting for interest earned. For example, if someone deposited USD 8,000 at an exchange rate of 7.2 (equivalent to RMB 57,600) and the rate moved to 7.0 by year-end, even with a 1% annual interest (about USD 80), the total amount would convert to roughly RMB 56,560—about RMB 1,040 less than the original principal. This illustrates that foreign currency deposits are not risk-free. Experts advise investors to carefully assess their risk tolerance and consider diversifying investments to mitigate both interest rate and exchange rate risks.
近期有媒体报道称，有储户将8000多美元存入银行一年后，不仅没有获得预期利息，反而因汇率波动亏损了1000多元人民币。这一现象引发公众对美元存款风险的关注。实际上，美元存款的收益不仅取决于利率，还受到人民币兑美元汇率变动的影响。如果存款期间人民币升值，即使美元存款产生利息，兑换回人民币时也可能出现账面亏损。例如，若年初以7.2的汇率存入8000美元（约合57600元人民币），年末汇率变为7.0，即使获得1%的年息（约80美元），换算成人民币后总金额约为56560元，相比初始本金反而少了约1040元。这说明外币存款并非稳赚不赔，投资者需同时关注利率与汇率双重风险。专家建议，在配置外币资产时，应充分评估自身风险承受能力，并考虑通过多元化投资分散风险。
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