一万美元理财

 jintiangendajiatantanguanyumeijindewenti，womenmeiniangerennenghuanduoshaowaibidajiazhidaoma？womennenggouhuanyiwanmeiyuanma？xiamianxiaobianjiujidajiajiangjiang，womenyiniandagaikeyihuanduoshaowaibi，yijiyiwanmeiyuanlicaidefangshi。

一、一万美元理财

1、butongniandaiderentouzidexuanzebutong

youqudeshi，mouxiexuanxiangzaigegenianlingduandouyouxiangtongdeshouhuanyingdu。

 buguanshinagenianlingduanderen，douhuitouzizijiaxiaoqiyehenganxingqu。shujuxianshi，6.7%de“xyidai”xuanzebayiwanmeiyuanlicaiyongzaizijiaxiaoqiyeshenshang，xuanzezheimezuode“qianxiyidai”he“yingerchaoyidai”fenbiewei6.3%he5.6%。

 ciwai，touzigushiyeshiyigebijiaoshouhuanyingdexuanxiang。xuanzebayiwanmeiyuanlicai，yongyutouzigushide“qianxiyidai”wei6.6%，“xyidai”wei8.1%，“yingerchaoyidai”wei6.7%。zhideyitideshi，buguanshi“qianxiyidai”，haishi“yingerchaoyidai”huo“xyidai”，zaitouzizhiqiandouyuanyizhengxungerenlicaiguwendejianyi。“xyidai”kaolvshiyongjiqirenguwendekenengxinggengda。

2、butongniandaiderenzhijiandebutong

 butongnianlingduanderen，zaitouzifangmiandexuanzebutong，yeshiqinglizhizhongdeshiqing。birushuo，jihumeiyou“yingerchaoyidai”（jinwei0.3%）xiangyaobazheiyiwanmeiyuanlicaiyongyutouzizishendejiaoyu。yuanyinhenjiandan，yinweihenduo“yingerchaoyidai”yijinghuojiejintuixiule。conglingyifangmianlaijiang，jinyou9.9%de“qianxiyidai”xuanzetouzijiaoyu。

 haiyouyigexianxianggengjiaqiguai。henduorenkenengyiwei，jianyumeiguodexueshengzhaiwuyijinggaoda1.5wanyimeiyuan，suoyihenduo“qianxiyidai”huixuanzeba10000meiyuanyongyujianqingzhaiwu。raner，youqudeshi，jinyou22.4%de“qianxiyidai”xuanle“jianqingzhaiwu”zheigexuanxiang，erxuanzegaixuanxiangde“xyidai”he“yingerchaoyidai”fenbiewei25.3%he33.1%。

二、可以换换一万美元吗

 gerenyiniannenghuanyiwanmeiyuanma？qishishijishanggerenyiniannenghuan5wanmeiyuanwaihui。guojiashizheiyangguidingde，jingneijumingerengouhuishixingnianduzongeguanli，nianduzongeweimeirenmeiniandengzhi5wanmeiyuan。meirenmeitianduihuanmeiyuanbunengchaoguo5000meijin，meirenmeinianbunengchaoguo50000meijin。suoyigerenyiniannenghuanyiwanmeiyuanshibuchengwentide。

 tongshiwaihuiguanliguiding，yiniannei，gerennengcongyinxingzuigaoleijiduihuanwuwanmeiyuan，yicikeyiduihuandejinezaiwuwanmeiyuanyinei，erqiehaiyaoshenfenzhengzhengmingcaikeyi。

 guangyishangzhiyiguozhengfushouquanguojiadehuobijinrongdangjuhuoqitajigou，duiwaihuideshouzhi、maimai、jiedai、zhuanyiyijiguojijianjiesuan、waihuihuilvhewaihuishichangdengshixingdekongzhiheguanzhihuhugangjiufanjiaogexiegongmaoxingwei；xiayishangshizhiduibenguohuobiyuwaiguohuobideduihuanshixingyidingdexianzhi。

拓展资料

《gerenwaihuiguanlibanfashishixize》dishisitiao jingneigerenwaihuihuichujingwaiyongyujingchangxiangmuzhichu，anyixiaguidingbanli：

 waihuichuxuzhanghuneiwaihuihuichujingwaidangrileijidengzhi5wanmeiyuanyixia（han）de，pingbenrenyouxiaoshenfenzhengjianzaiyinxingbanli；chaoguoshangshujinede，pingjingchangxiangmuxiangxiayoujiaoyiedezhenshixingpingzhengbanli。

 shouchiwaibixianchaohuichudangrileijidengzhi1wanmeiyuanyixia（han）de，pingbenrenyouxiaoshenfenzhengjianzaiyinxingbanli；chaoguoshangshujinede，pingjingchangxiangmuxiangxiayoujiaoyiedezhenshixingpingzheng、jinghaiguanqianzhangde《zhonghuarenmingongheguohaiguanjinjinglvkexingliwupinshenbaodan》huobenrenyuancunkuanyinxingwaibixianchaotiqudanjubanli。