外匯之於新手

Brad Richardson
 

股票投資交易新手剛入門的時候一定是滿頭霧水，但卻是有利可圖、振奮人心的。最初我用辛苦工作賺來的錢購買上市公司股票時，我什麼都不懂。我從存款賬戶中取出錢，全部壓在一個公司股票上，結果虧損近半。情況也許會更糟。事實上，很多投資者像我一樣一無所知地進入股票市場，結果血本無歸。但是我從中得到的教訓並不是投資交易很可怕，而是我們太過無知。所以我做了一些調查便又卷土重來了。我在調查中了解到，還有一個市場是針對外匯的，被稱為外匯交易市場，簡稱forex。就是在這裡發生了貨幣的交換，也是在這裡，美元出現上漲和下跌。讓我們從新手的角度來觀察外匯交易吧。

為什麼外匯交易對普通人來說很重要？

外匯交易的參與集團是全球各地的大銀行。銀行便是通過這種方法決定匯率。其他集團包括保險公司和投資公司。由於外匯交易的存在，你我這樣的普通人也可以參與到進出口貿易中。客戶用歐元支付產品或服務，美國人就能將其兌換成美元。

外匯交易是怎樣運作的？

當你去當地的銀行要求“買些外匯時”，銀行會提供一個買入外匯的匯率。但是這個匯率不是銀行設定的，而是外匯交易市場設定的。每天全球範圍内發生的事件，如：戰争、饑荒、自然災害等都會影響匯率。加拿大人頻繁地查看加元的價值是因為相較於美元，加元的價格太低了。而美國市場也在觀察加拿大市場，因為一旦加元走弱，他們就可以獲得30%的定價空間。簡而言之，外匯交易會顯示世界各國貨幣在某一天的價格。

有趣的是，考慮到大多數銀行外匯在週末不開門，交易所也在週末休市。這聽起來不足為奇，如果你在網上購買海外的商品，匯率會選用當週週五收盤時的價格。對於普通人來說，只有在國外旅遊或是海外購物時才會涉及到外匯交易，所以很多人都在接觸外匯交易，但卻並不了解外匯。

Forex for Beginners
 
Brad Richardson

It can be overwhelming for a newbie to think about investing and trading on the stock exchange, but it can also be very lucrative and exciting. When I first started investing my hard earned money in companies listed on the stock exchange, I had no idea what I was doing. I borrowed money from my savings account and flung it into a company on the stock exchange and lost half my money. It could have been worse. Actually, many people lost all of their investment in this one particular company, who ended up pulling off the stock exchange and reverting back to a private agency. But the lesson I learned was that investing and trading wasn’t scary; it was just unknown to me. So I did some research about it and felt better for the next kick at the can. In my research, I learned that there was also a market for exchanging currency, called the Foreign Exchange Market, or Forex as it is commonly referred. This is the place where money changes hands and dollars go up, and dollars go down. Let’s look at what Forex is from a beginner’s point of view.

Why is Forex important to everyday people?

The groups working in the Forex are the big banks of the world. This is how the banks determine exchange rates for the day. Other groups include insurance companies and investment companies. People like you and me, and guys like James May can engage in importing and exporting goods, especially things like foreign cars or other products, because of the ability for the money to exchange properly, thanks to the Forex. By clients paying in Euros, Americans can receive American dollars for products or services rendered. All thanks to the Forex.

How Does Foreign Exchange Work?

When you go to your local banking institute and ask to “buy some currency” for another country, there is a rate at which that currency can be purchased. The bank does not set the rate. The Foreign Exchange Market sets the rate. Depending on what is happening in the world –  wars, poverty, natural disaster – these rates can fluctuate quite a bit between day to day. Canadians frequently watch the foreign exchange market value for their dollar because it is so “low” in comparison to the American dollar. While the American market looks to the Canadian market to import goods because they can get up to 30% better pricing when the Canadian dollar is weaker. In a nutshell, the Forex tells the world what their money’s worth on any given day.

An interesting fact about the Forex is that it does not process exchange rates on the weekends; given that banks aren’t typically open on weekends anyway, this should come as no surprise, however, if you make a purchase online with your credit card from a foreign seller, you will get the exchange rate last posted before the market closed on Friday of the same week. For the average Joe, the Forex comes into play when they want to exchange currency for travel or purchase some goods from another country, so it can be quite simple to interact with even without knowing a lot about it.

本文翻譯由兄弟財經提供
文章來源：https://www.leaprate.com/experts/brad-richardson/forex-for-beginners/