The United States began to seal the country, printing money, and spreading relief funds. The United States signed a $1.9 trillion economic rescue plan. This "historical legislation" with a total value of $1.9 trillion provides a pillar for the reconstruction of the US economy. However, as the United States started its crazy money printing model, the US dollar exchange rate plunged. The US dollar/renminbi exchange rate fell from 7.07 last year and even fell below the 6.3 mark in June this year. The global foreign trade economy is paying for the actions of the United States.
Let's take a look at a typical case where a foreign trader was caught by the "dollar exchange rate plunge."
Brief description of actual case
Overseas buyers: Australian buyers
Supplier: Domestic chemical supplier
The buyer's company is an Australian household fast-moving consumer goods sales company and wants to purchase household cleaners and other chemical products from Chinese suppliers. The supplier is a domestic factory integrating industry and trade with an export scale of 30 million US dollars a year. In the past, the net profit rate of goods was 5%-8%. The export goods were mainly sold to the United States (30%), Europe 30%, and Australia (30%), others (10%).
The demand for various disinfectants and detergents has skyrocketed, and Australian buyers want to urgently purchase a batch of household detergent products from Chinese suppliers. This is the first cooperation between the two parties. The content of the order is about 30,000 bottles of detergent in 6 dosage forms. The supplier needs to provide a batch of samples, 2 bottles for each model, and sign the contract after confirming that there is no problem with the product. Payment method The price is quoted and settled in US dollars, and the traditional T/T wire transfer is used. The buyer needs to pay a 30% deposit in advance, and the balance will be paid after all the goods are received.
In order to quickly win this new customer, the seller sent 12 bottles of samples to the buyer by international courier, worth about 150 US dollars. Because the sample amount is not large and the buyer wants to receive the goods quickly, they propose to pay by credit card and send it by postal parcel to avoid the traditional and lengthy customs declaration methods. However, the seller mainly uses domestic banks and Hong Kong banks to collect payments. The method is to charge credit cards, and the postal invoice cannot be settled, so after discussing it, it is decided to give free samples, and the buyer shall bear the international express freight.
After receiving the samples, the two parties quickly reached a cooperation agreement. The buyer paid a 30% deposit in advance and mass production began. The customs border inspections of China and Australia have been tightened, shipping has also been greatly affected, and the delivery of bulk cargo has been forced to delay. When it was time to pay the final payment, the seller suddenly discovered that the U.S. dollar's exchange rate fell sharply due to the crazy printing and distribution of relief funds in the United States, from the original 6.7 to 6.45. At the same time, the Australian dollar against the renminbi exchange rate rose instead of falling, rising from the original 4.7 to nearly 5.1. For the batch of goods originally quoted in U.S. dollars, because the U.S. dollar exchange rate plunged, the net profit evaporated several points. If the quotation was in Australian dollars at that time, it would not only be able to bypass the fluctuation of the U.S. dollar exchange rate, but the received payment would rise instead of falling. The above increase and one decrease, the exchange loss is serious in comparison.
This trade loss is a classic case of the global harvest of the US dollar SWIFT system. As long as you continue to use traditional T/T wire transfers and US dollar quotations, you will have to bear the losses caused by changes in the US dollar exchange rate. Many foreign trade people may think that as long as the US dollar's status as a world currency remains unchanged, such risks are inevitable. In fact, there are many third-party cross-border payment platforms that can help foreign trade companies avoid such risks.
How to avoid the above risks?
Open a local bank account in multiple countries
If you open a local offshore bank account in Australia, use Australian currency quotation, and directly settle foreign exchange from Australian currency into RMB after receiving the payment, you can perfectly avoid the loss caused by the fluctuation of the US dollar exchange rate. Global cross-border payment and payment platforms such as Payoneer can provide foreign trade companies with the service of collecting money from local bank accounts in multiple countries, and can help companies or individuals open accounts in 9 major countries and regions of the mainstream economy, including the United States and Canada , Australia, the United Kingdom, the European Union, Hong Kong, Japan, Singapore, Mexico. Use the local bank system to transfer money, and the account can be received in the fastest 2 hours, and you can also enter the local currency in the local currency with zero exchange loss. After the payment is received, it can be directly exchanged into RMB and withdrawn to the personal account of a domestic company or legal person through Pianying’s dual-channel foreign exchange settlement.
Set quotation validity period and exchange rate range
Setting the validity period of the quotation when signing the contract is also an effective way to avoid exchange rate risk. The exchange rate changes in real time, so fixed quotes in US dollars inherently involve foreign exchange risks for foreign trade companies. In order to avoid the loss caused by exchange rate changes, the quotation needs a "validity period". If the time is exceeded, either the quotation will remain unchanged or the quotation will be adjusted. In this way, if the exchange rate changes greatly, the "validity period" can be used for the company. Avoid large losses. "Or the two parties can also agree on an exchange rate range to conduct transactions. As long as the exchange rate fluctuation does not exceed the range, the transaction will be carried out at the original quotation. If the fluctuation range exceeds the agreed range, the beneficiary shall bear part of the difference caused by the exchange rate fluctuation.
Use RMB for settlement
With the advancement of the internationalization of RMB, the acceptance of RMB settlement among overseas buyers has also been greatly improved. China has set up 27 RMB clearing banks in 25 countries and regions, covering Hong Kong, Macau and Taiwan, Europe, North and South America, Oceania, the Middle East, Southeast Asia and Africa. Accounts like Payoneer also accept overseas RMB payments. The calculation is very simple, equivalent to a 1:1 foreign currency exchange rate. The operation is the same as other foreign currency settlements, and overseas RMB payments can also be tax refunded.
Accept foreign credit card payments
Unlike traditional banks and offshore banks, which can only accept traditional T/T wire transfers, they cannot receive credit card payments. Customs declarations are required to settle foreign exchange. For example, third-party cross-border collection and settlement platforms such as Payoneer provide payment request functions, which can be used to collect credit card payments and online banking direct payment (US electronic checks). At the same time, it accepts express and postal parcels and other waybills as materials to apply for foreign exchange settlement. No customs declaration is required. Therefore, after using the Pianying account, the sample sheets of foreign trade companies no longer need to be given away for free. Payoneer is also called P card. Users can apply for a physical P card or virtual credit card jointly issued by Payoneer and MasterCard. The card will be directly linked to the user’s Payoneer account and can be directly used for domestic and foreign online shopping. It is possible to withdraw cash on ATM, and recently there is a rebate activity of up to 0.5% on credit card consumption.
[TW]
Payoneer派安盈助力外貿商家收款，應對美國大撒1.9萬億美金
美國開始封國印鈔，大撒救濟金。美國簽署了1. 9萬億美元的經濟救助計劃，這項總額達1.9萬億美元的 “歷史性立法” 為美國經濟重建提供支柱性力量。然而，隨著美國開啟瘋狂印鈔模式，美元匯率大跳水， 美元兌人民幣匯率從去年的7.07一路下跌，今年6月甚至跌破6. 3大關，全球外貿經濟都在為老美的行為買單。
讓我們來看一個典型的外貿人被“美元匯率大跳水”坑到了的案例。
實際案例簡述
海外采購方：澳大利亞采購商
供貨方：國內化學品供應商
買方公司是一家澳大利亞的家用快消品銷售公司，想向中國供應商采購家用清潔劑等化學產品。供貨方是國內一家工貿一體的工廠，出口規模在3千萬美金一年，以往貨品凈利率為5% -8%，出口貨品主要是銷往美國（30%）、歐洲30%、澳大利亞（30%）、其他（10%）。
各種消毒劑、清潔劑需求暴漲，澳洲采購方想緊急向中國供貨方采購一批家用清潔劑產品。這是雙方第一次合作，訂單內容是大約3萬瓶6個劑型的清潔劑，需要供貨方先提供一批樣品，每個型號各2兩瓶，確認產品沒有問題後簽合同，付款方式是以美金報價和結算，使用傳統T/T 電匯付款，需要買方預付30%的定金，尾款在收到全部貨物後付清。
為了能快速拿下這個新客戶，賣方用國際快遞給買方寄送了12瓶樣品，價值大約150美金。由於樣品金額不大，且買家希望快速收到貨，所以提出用信用卡支付，並用郵政小包寄送以避開傳統冗長的報關方式，然而賣方主要是使用國內銀行和香港銀行來收款，沒辦法收取信用卡，而且郵政发貨單無法結匯，所以商量後決定免費贈送樣品，由買家承擔國際快遞運費。
收到樣品後雙方很快達成了合作協議，買方預付了30%的定金，大貨開始生產。 中澳雙方的海關邊檢審查收緊，航運也受到很大影響，大貨被迫延遲交付。到支付尾款的時候，賣方忽然发現由於美國瘋狂印发救濟金，導致美元匯率大幅下跌，從原本的6.7跌到了6.45。與此同時，澳元兌人民幣匯率不跌反漲，從原本的4.7上漲到將近5.1。原本按照美金報價的那批貨，因為美元匯率大跳水，凈利潤平白蒸发了好幾個點， 如果當時按照澳幣報價的話，不但可以繞開美元匯率的波動，到手的回款不降反升，匯率上這一增一減，對比下來匯損嚴重。
這次貿易損失是經典的美元SWIFT體系全球收割的案例，只要繼續使用傳統T/T 電匯和美金報價，就要承擔美元匯率變化造成的損失。很多外貿人也許會認為只要美元作為世界貨幣的地位不變，這樣的風險就是不可避免的，其實現在有很多第三方跨境支付平台都可以幫助外貿企業規避這樣風險。
如何規避以上風險？
開設多國本地銀行賬戶
如果開通澳洲本地的離岸銀行賬戶，采用澳幣報價，收款後直接從澳幣結匯成人民幣，就可以完美避開美元匯率波動帶來的損失。如Payoneer派安盈等全球跨境收結付平台，可以為外貿企業提供多國本地銀行賬戶收款的服務，可以幫助企業或者個人開通9大主流經濟體國家和地區的賬戶，包括美國、加拿大、澳洲、英國、歐盟、香港、日本、新加坡、墨西哥的賬戶。使用當地銀行系統轉賬，最快2小時就能到賬，還可以當地本幣入賬，0匯損。收款後通過派安盈的雙通道結匯，直接兌換成人民幣提現到國內公司或者法人個人賬戶即可。
設置報價有效期及匯率區間
在簽合同時設置報價有效期也是一種規避匯率風險的有效方式。匯率是實時變化的，所以固定用美金報價對於外貿企業來說本來就存在匯兌風險。為了規避匯率變動帶來的損失，報價需要 “有效期”，超出時間，要麽報價不變，要麽調整報價，這樣一來，若是遇到匯率變化較大的情形，‘有效期’就能為企業避免較大損失。” 或者雙方也可以約定一個匯率區間來進行交易，只要匯率波動不超出範圍，就按照原定的報價進行交易，如果波動幅度超出約定區間，則受益方承擔部分匯率波動產生的差額。
使用人民幣進行結算
隨著人民幣國際化的進程推進，人民幣結算在海外買家中的接受度也得到了很大提高。中國已經在25個國家和地區設立了27個人民幣清算行，覆蓋港澳台地區、歐洲、南北美洲、大洋洲、中東、東南亞和非洲。像Payoneer派安盈的賬戶也接受境外人民幣收款，計算很簡單，相當於匯率為1:1的外幣，操作與其他外幣結匯一樣，且境外人民幣收款一樣可以退稅。
國外信用卡付款也能收
不像傳統銀行和離岸銀行，只能接受傳統T/T 電匯付款，無法收取信用卡付款，還必須要有報關單才能結匯。如Payoneer派安盈這樣的第三方跨境收結付平台，特別提供請求付款功能，可用於收取信用卡付款和網銀直付（美國電子支票）， 同時接受快遞和郵政小包等運單作為材料申請結匯，無需報關單。 所以使用派安盈賬戶後，外貿企業的樣品單再也不用免費贈送了。Payoneer也被叫做P卡，用戶可以申請派安盈與萬事達聯合下发的實體P卡或者虛擬信用卡，卡會直接與用戶的派安盈賬戶鏈接，能直接用於國內國外網上購物，也可以在ATM上提現，最近還有最高達0.5%的刷卡消費返利活動。
[CN]
Payoneer派安盈助力外贸商家收款，应对美国大撒1.9万亿美金
美国开始封国印钞，大撒救济金。美国签署了1. 9万亿美元的经济救助计划，这项总额达1.9万亿美元的 “历史性立法” 为美国经济重建提供支柱性力量。然而，随着美国开启疯狂印钞模式，美元汇率大跳水， 美元兑人民币汇率从去年的7.07一路下跌，今年6月甚至跌破6. 3大关，全球外贸经济都在为老美的行为买单。
让我们来看一个典型的外贸人被“美元汇率大跳水”坑到了的案例。
实际案例简述
海外采购方：澳大利亚采购商
供货方：国内化学品供应商
买方公司是一家澳大利亚的家用快消品销售公司，想向中国供应商采购家用清洁剂等化学产品。供货方是国内一家工贸一体的工厂，出口规模在3千万美金一年，以往货品净利率为5% -8%，出口货品主要是销往美国（30%）、欧洲30%、澳大利亚（30%）、其他（10%）。
各种消毒剂、清洁剂需求暴涨，澳洲采购方想紧急向中国供货方采购一批家用清洁剂产品。这是双方第一次合作，订单内容是大约3万瓶6个剂型的清洁剂，需要供货方先提供一批样品，每个型号各2两瓶，确认产品没有问题后签合同，付款方式是以美金报价和结算，使用传统T/T 电汇付款，需要买方预付30%的定金，尾款在收到全部货物后付清。
为了能快速拿下这个新客户，卖方用国际快递给买方寄送了12瓶样品，价值大约150美金。由于样品金额不大，且买家希望快速收到货，所以提出用信用卡支付，并用邮政小包寄送以避开传统冗长的报关方式，然而卖方主要是使用国内银行和香港银行来收款，没办法收取信用卡，而且邮政发货单无法结汇，所以商量后决定免费赠送样品，由买家承担国际快递运费。
收到样品后双方很快达成了合作协议，买方预付了30%的定金，大货开始生产。 中澳双方的海关边检审查收紧，航运也受到很大影响，大货被迫延迟交付。到支付尾款的时候，卖方忽然发现由于美国疯狂印发救济金，导致美元汇率大幅下跌，从原本的6.7跌到了6.45。与此同时，澳元兑人民币汇率不跌反涨，从原本的4.7上涨到将近5.1。原本按照美金报价的那批货，因为美元汇率大跳水，净利润平白蒸发了好几个点， 如果当时按照澳币报价的话，不但可以绕开美元汇率的波动，到手的回款不降反升，汇率上这一增一减，对比下来汇损严重。
这次贸易损失是经典的美元SWIFT体系全球收割的案例，只要继续使用传统T/T 电汇和美金报价，就要承担美元汇率变化造成的损失。很多外贸人也许会认为只要美元作为世界货币的地位不变，这样的风险就是不可避免的，其实现在有很多第三方跨境支付平台都可以帮助外贸企业规避这样风险。
如何规避以上风险？
开设多国本地银行账户
如果开通澳洲本地的离岸银行账户，采用澳币报价，收款后直接从澳币结汇成人民币，就可以完美避开美元汇率波动带来的损失。如Payoneer派安盈等全球跨境收结付平台，可以为外贸企业提供多国本地银行账户收款的服务，可以帮助企业或者个人开通9大主流经济体国家和地区的账户，包括美国、加拿大、澳洲、英国、欧盟、香港、日本、新加坡、墨西哥的账户。使用当地银行系统转账，最快2小时就能到账，还可以当地本币入账，0汇损。收款后通过派安盈的双通道结汇，直接兑换成人民币提现到国内公司或者法人个人账户即可。
设置报价有效期及汇率区间
在签合同时设置报价有效期也是一种规避汇率风险的有效方式。汇率是实时变化的，所以固定用美金报价对于外贸企业来说本来就存在汇兑风险。为了规避汇率变动带来的损失，报价需要 “有效期”，超出时间，要么报价不变，要么调整报价，这样一来，若是遇到汇率变化较大的情形，‘有效期’就能为企业避免较大损失。” 或者双方也可以约定一个汇率区间来进行交易，只要汇率波动不超出范围，就按照原定的报价进行交易，如果波动幅度超出约定区间，则受益方承担部分汇率波动产生的差额。
使用人民币进行结算
随着人民币国际化的进程推进，人民币结算在海外买家中的接受度也得到了很大提高。中国已经在25个国家和地区设立了27个人民币清算行，覆盖港澳台地区、欧洲、南北美洲、大洋洲、中东、东南亚和非洲。像Payoneer派安盈的账户也接受境外人民币收款，计算很简单，相当于汇率为1:1的外币，操作与其他外币结汇一样，且境外人民币收款一样可以退税。
国外信用卡付款也能收
不像传统银行和离岸银行，只能接受传统T/T 电汇付款，无法收取信用卡付款，还必须要有报关单才能结汇。如Payoneer派安盈这样的第三方跨境收结付平台，特别提供请求付款功能，可用于收取信用卡付款和网银直付（美国电子支票）， 同时接受快递和邮政小包等运单作为材料申请结汇，无需报关单。 所以使用派安盈账户后，外贸企业的样品单再也不用免费赠送了。Payoneer也被叫做P卡，用户可以申请派安盈与万事达联合下发的实体P卡或者虚拟信用卡，卡会直接与用户的派安盈账户链接，能直接用于国内国外网上购物，也可以在ATM上提现，最近还有最高达0.5%的刷卡消费返利活动。
