外汇之于新手

Brad Richardson
 

股票投资交易新手刚入门的时候一定是满头雾水，但却是有利可图、振奋人心的。最初我用辛苦工作赚来的钱购买上市公司股票时，我什么都不懂。我从存款账户中取出钱，全部压在一个公司股票上，结果亏损近半。情况也许会更糟。事实上，很多投资者像我一样一无所知地进入股票市场，结果血本无归。但是我从中得到的教训并不是投资交易很可怕，而是我们太过无知。所以我做了一些调查便又卷土重来了。我在调查中了解到，还有一个市场是针对外汇的，被称为外汇交易市场，简称forex。就是在这里发生了货币的交换，也是在这里，美元出现上涨和下跌。让我们从新手的角度来观察外汇交易吧。

为什么外汇交易对普通人来说很重要？

外汇交易的参与集团是全球各地的大银行。银行便是通过这种方法决定汇率。其他集团包括保险公司和投资公司。由于外汇交易的存在，你我这样的普通人也可以参与到进出口贸易中。客户用欧元支付产品或服务，美国人就能将其兑换成美元。

外汇交易是怎样运作的？

当你去当地的银行要求“买些外汇时”，银行会提供一个买入外汇的汇率。但是这个汇率不是银行设定的，而是外汇交易市场设定的。每天全球范围内发生的事件，如：战争、饥荒、自然灾害等都会影响汇率。加拿大人频繁地查看加元的价值是因为相较于美元，加元的价格太低了。而美国市场也在观察加拿大市场，因为一旦加元走弱，他们就可以获得30%的定价空间。简而言之，外汇交易会显示世界各国货币在某一天的价格。

有趣的是，考虑到大多数银行外汇在周末不开门，交易所也在周末休市。这听起来不足为奇，如果你在网上购买海外的商品，汇率会选用当周周五收盘时的价格。对于普通人来说，只有在国外旅游或是海外购物时才会涉及到外汇交易，所以很多人都在接触外汇交易，但却并不了解外汇。

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.

本文翻译由兄弟财经提供
文章来源：https://www.leaprate.com/experts/brad-richardson/forex-for-beginners/