Upper-Intermediate - Exchange Rates (D0410)

人民币这一年升值得真快！我手里的美金都贬值好多了！
rénmínbì zhèyīnián shēngzhí de zhēn kuài ！wǒ shǒu lǐ de měijīn dōu biǎnzhí hǎoduō le ！
The Chinese yuan has gone up really quickly this year! My American dollars have depreciated a lot!

谁叫你不早换人民币？现在吃亏了吧！
shéi jiào nǐ bù zǎo huàn rénmínbì ？xiànzài chīkuī le ba ！
Nobody stopped you from exchanging them for Chinese yuan sooner. Now you’ll have to take your losses!

嗯，不过汇率变动很难说，我哪料得到啊？而且我觉得人民币和美金这种强势货币还是比较稳定的。
én ，bùguò huìlǜ biàndòng hěn nán shuō ，wǒ nǎ liàodedào ā ？érqiě wǒ juéde rénmínbì hé měijīn zhèzhǒng qiángshì huòbì hái shì bǐjiào wěndìng de 。
Yeah, but exchange rate fluctuations are hard to predict, how could I have known? Plus, I think that these kinds of major currencies, such as the Chinese yuan and American dollar, are still relatively stable.

有道理。哎，你知道现在一欧元兑换多少人民币吗？
yǒu dàolǐ 。āi ，nǐ zhīdào xiànzài yī Oūyuán duìhuàn duōshao rénmínbì ma ？
That makes sense. Hey, do you know the conversion for one euro into Chinese yuan now?

大概十块多一点。这一年里也涨了好多。
dàgài shí kuài duō yīdiǎn 。zhèyīnián lǐ yě zhǎng le hǎoduō 。
Roughly 10 point something. It’s gone up this year a lot too.

那港币呢？
nà gǎngbì ne ？
What about the Hong Kong dollar?

现在和人民币已经差不多了。所以好多人去香港购物都用银联卡，因为是按当日汇率结算。这样一来，可以避免买入和卖出造成的损失。
xiànzài hé rénmínbì yǐjīng chà bu duō le 。suǒyǐ hǎo duō rén qù Xiānggǎng gòuwù dōu yòng yínlián kǎ ，yīnwèi shì àn dāngrì huìlǜ jiésuàn 。zhèyàngyīlái ，kěyǐ bìmiǎn mǎirù hé màichū zàochéng de sǔnshī 。
It’s about the same as the Chinese yuan now. So a lot of people that go shopping in Hong Kong use a China Union Pay bank card, because it calculates according to that day’s exchange rate. This way they can avoid losses buying and selling the currency.

哎，汇率变动这东西真是让人头疼。特别是对做外汇投资理财的人来说，细微的涨跌都关系重大啊。换成是我，我的心脏可受不了这样的压力。
āi ，huìlǜ biàndòng zhè dōngxi zhēnshì ràng rén tóuténg 。tèbiéshì duì zuò wàihuì tóuzī lǐcái de rén láishuō ，xìwēi de zhǎngdiē dōu guānxì zhòngdà ā 。huànchéng shì wǒ ，wǒ de xīnzàng kě shòu bu liǎo zhèyàng de yālì 。
Yikes, these currency fluctuations really are a headache. Especially for those in foreign investment banking, slight fluctuations have a significant effect. If it were me, my heart couldn’t take that kind of pressure.

我看你是没有理财头脑。其实这里面可是商机无限啊。
wǒ kàn nǐ shì méiyǒu lǐcái tóunǎo 。qíshí zhè lǐmiàn kěshì shāngjī wúxiàn ā 。
I can see you don’t have a mind for financial management. Actually, there are limitless business opportunities in this field.

Vocabulary

升值	shēngzhí	appreciate
贬值	biǎnzhí	to become devaluated
吃亏	chīkuī	suffer loss
汇率	huìlǜ	exchange rate
兑换	duìhuàn	to exchange
银联卡	yínlián kǎ	China “UnionPay” bank card
结算	jiésuàn	calculate
细微	xìwēi	slight
外汇	wàihuì	foreign exchange
及时	jíshí	timely
付出	fùchū	pay out
预料	yùliào	expect, predict
自动提款机	zìdòng tíkuǎn jī	ATM
机构	jīgòu	organization
网络	wǎngluò	network
管理钱财	guǎnlǐ qiáncái	manage finances