对个人来说，在汇率市场波动情况下盲目囤积外会是不必要的。从个人来说，除正常的出境旅游需求，人们要理性评估个人自身的投资需求，外会是否有可靠的投资渠道，资产回报是否高于人民b资产回报。事实上，多数投资人换汇都是放在银行里，回报低于本b资产回报，所以应该避免“羊群效应”一窝蜂地购汇。
对于企业来说，汇率风险从来都是财务风险的重要组成部分，对汇率风险的套期保值是企业的基本风险管理要求，大型企业都应有固定的套保模式和系数，而不应该将套保建立在市场走势的判断当中。
“有真实需求的，要有固定套保思路，不应该是对未来市场走势的揣测，而应该是根据自身情况。”何昕表示，不管进口还是出口企业都应该及时套保，外会市场是顺应市场的供求波动的，人民b汇率也会顺应以实体经济为基础的外会供给需求的波动。企业或者个人，大可不必追求市场汇率的波动以求盈利。
Q4：2018年起每人每年境内卡境外提现不超10万是真的吗？
1,成交金额和股票没有什么联系,以成交金额判断好坏没根椐
2,成交量就是成交的数量，成交量乘以成交均价等于成交金额,股价小涨但jiaoy量没有太明显变化
Q5：国家对个人持有外会的限制规定是什么？
国家对持有外会没有多大的限额，但是对于结算外会，接收外会，外会汇兑等有很多的规定。
你可以看一下下面的关于《境内居民个人外会管理暂行办法 》的网页：http://www.shbusiness.net/website/content/showcontent.asp?id=778
Q6：个人外会管理办法实施细则 英语怎么说
内容来自用户:Aaron
个人外会管理办法实施细则英文
Detailed Rules for the Implementation of the Measures for the Administration of Individual Foreign Exchange
Chapter 1 General Provisions
Article 1 These Detailed Rules are formulated in accordance with the Measures for the Administration of Individual Foreign Exchange for the purpose of standardizing and facilitating the foreign exchange operations of banks and individuals.
Article 2 Management of an total annual quota shall be applicable to individual sales of foreign exchange and domestic individual purchases of foreign exchange. The total annual quota is equivalent to USD 50,000 per person each year. The SAFE is empowered to adjust the total annual quota in accordance with the balance of payment position.
Foreign exchange sales and purchases within the total annual quota shall be dealt with at the banks upon the strength of valid personal identity certificates. When the amount of foreign exchange sales and purchases exceeds the total annual quota, those under the current account shall be dealt with in accordance with Articles 10, 11, and 12 of these Detailed Rules, and those under the capital account shall be dealt with in accordance w
