The appreciation of RMB has a great influence on our daily life, from choosing a job to buying a car and a house to buying food and taking a taxi in the market. Given the author's knowledge, I can't analyze them one by one. I can only make a professional analysis of the impact of going abroad, hoping to help everyone. (The following specific exchange rate conversions are fictitious. First, it is convenient to write and read. Second, the author believes that the RMB will continue to rise, and the figures announced by the central bank today have no specific significance. )
At present, there are three ways to go abroad: travel, study abroad and immigration.
Tourism: All two-person families and children in China are under 16 years old, and a family of three over 30 has benefited the most from the appreciation of RMB. For example, before the appreciation, the family prepared 30,000 yuan for a seven-day trip to Australia, and now it only needs 25,000 yuan. It's just that the central bank said a word and saved 5000 yuan at home. Starting from today, short-term travel abroad is like a discount announced by merchants, and ordinary people will flock to it. Going out to play is not a bad thing, not to mention having a sense of accomplishment when playing.
Studying abroad: All the children of families aged 65,438+06-30 in China, the biggest gain from RMB appreciation, is to study abroad. Although China has implemented the family planning policy for 30 years, the current job market is still far greater than the demand, and the employment pressure leads to the pressure of further education. Despite the repeated enrollment expansion of major universities in China, all school-age young people can't go to college, and the tuition fees are getting higher and higher. Even if they graduate from college in four years, whether they can find an ideal job is still not optimistic. Dear mother strict father also wants to know that she has worked hard to save money for half her life, and she will give it to her children sooner or later. Instead of spending it on finding a job, buying a house and getting married after graduation, it is better to send her children abroad to study, learn some skills and make a living by themselves. Isn't there a saying in English that it's better to give you fish than a fishing rod? The author understands that if you want to eat fish, grab it yourself. For example, before the appreciation, the family prepared to send 400,000 children to Canada for a three-year undergraduate course, and now it only needs 370,000. Only the central bank said a word, and the family saved 30 thousand. Enough for the old couple to travel to Australia.
Immigration: No matter skilled immigrants or investment immigrants, it is difficult to find an ideal job in a short time after settling abroad, and the source of life can only rely on domestic savings. How do foreigners spend money in China? Envy? Why do they see that everything is cheap in China? Are they really rich? Of course not. It is because they spend 1 yuan at home as 8 yuan at home, which is of course cheap, that we will realize this feeling! In the past, when I settled in Canada, 200,000 RMB could be exchanged for 30,000 Canadian dollars. Now you can exchange 32,000 Canadian dollars. It's just that the central bank said a word, and the family has two thousand Canadian dollars more. Imagine boldly that one day, the central bank said: 1 RMB against 8 dollars. The author was the first to go to Australia, and bought a brand-new BMW at a cost of 6.5438+0 million, announcing to the world that the people of China have stood up!
Today, China's announcement of RMB appreciation is just a signal that China is becoming stronger and stronger. But people in China don't feel good. Go out and have a look! Only by going out will you know what patriotism is; Only by going out will you know how powerful China is; Only when you go out will you know what a country is and what a home is.
Since the RMB exchange rate is pegged to the US dollar, that is, if the US dollar appreciates, it will appreciate, and if the US dollar depreciates, it will depreciate, so now the appreciation or depreciation of the RMB is for the US dollar. For example, before July 2 1 last year, the central parity of the US dollar against the RMB was 1:8.27, that is, 1 US dollar could be exchanged for 8.27 RMB, but later the Bank of China allowed the RMB to appreciate by 2%. Rmb 8. 1 1 yuan can be converted into USD 1. This is equivalent to RMB 2% more expensive and USD 2% cheaper in the international market. In this way, it is 2% cheaper to import American goods denominated in dollars into China, and 2% more expensive to export American goods denominated in RMB. In China, you used to spend 827 RMB to buy imported goods. Now you only need to spend 8 1 1 yuan, while in the United States, you used to spend 0.98 dollars to buy China products, but now you need to spend 1 dollar-who wants to spend more money to buy China products with the same quality and quantity? Who doesn't want to spend less money on American goods of the same quality and quantity? Therefore, the significance of RMB appreciation lies in that it will restrain the export of China products and open the door for imported products.