[人民幣定期］3月份人民幣定期存款高息之選
近月人民幣走勢轉強，1元人民幣可以兌到1.2港元，令更多人留意人民幣定期存款。
但真的要留意，人民幣雖然比其他貨幣高息，但匯率存在波動，值得留意。都是老套但又確實對的一句，投資可升可跌。
來源：yahoo
以3個月人民幣定期存款為例，傳統銀行例如匯豐中銀，利率都在2厘以下，就算新資金利率都只有1.5％至1.6％。
傳統銀行中，南洋商業銀行近日就推出推廣優惠，3個月定期有2.4％，而且二人同行有多港幣300元的，但每人圴均須要存100萬人民幣。
虛擬銀行就比較進取，例如富融銀行，3個月都有超過2％，100萬以上更有2.1％。而天星銀行3個月就有2.3％，12個月更高達2.5％，確實是比較高利率的選擇。
當你集中留意本地銀行的定期存款時，有否想過外地都可以有高息人民幣定期存款。，而且利率都有吸引力，HSBC expat 1個月人民幣定期都有2.36 ％，而3個月就有2.45％，當然這個利率為HSBC Premier的利率，即需要在HSBC expat 戶口有GBP50,000 或者在香港或其他地方已經成為了HSBC Premier的客戶。
English Version
RMB High Yield Fixed Deposit in March 2021
Due to the appreciation of RMB in recent months, people are considering whether RMB fixed deposit is a good way of investment.
Traditional banks in Hong Kong, eg HSBC HK, Bank of China (HK), offers RMB fixed income deposit rate at 2% or below.
The highest rate offer is Nanyang Commercial Bank now. It offers a promotion of 2.4% interest rate for 3-month RMB deposit. If 2 clients do the fixed deposit together with over 1 million deposit per client, it will offer extra HK$300 to the clients.
Nanyang Commercial Bank
Have you image you may do RMB deposit overseas and you can gain a high interest rate as well. HSBC expat offers 2.36% for 1-month deposit and 2.45% for 3-month deposit. If you would like to deposit your RMB fund overseas, you may explore HSBC expat, however, you have to keep GBP50,000 or above in HSBC expat account or you are already HSBC premier account holders in any countries.
HSBC Expat
Although RMB deposit has a higher interest rate, please be reminded the Fx rate movement of the currency as well.
