世界经济的风云变幻越来越牵动着每一个普通投资者的收益，好不容易得来的投资收益可能被看似遥远的国际局势瞬间吞没，外币理财收益的下滑值得引起投资者的警惕。
　　银行推出的外币理财产品是打理外币资产的重要渠道。据中国基金报记者了解，目前美元、港币、澳元和欧元是银行推出的外币理财产品中的主流品种。自２０１４年以来的月度数据显示，这些币种的理财产品收益率均出现不同程度的下滑，而且这种下滑趋势很可能延续。
　　有理财专家介绍，整体来说，汇率、利率等因素都可能影响外币理财产品的收益率。展望未来趋势，美元理财产品收益率下滑的可能性较小，而澳元、欧元、英镑等币种的理财产品可能继续走低。持有外币理财产品的投资者一定不能偷懒，必须密切关注汇率、利率等要素的波动，随机应变，及时做出调整。
　　美元平均收益１．４６％ 较年初下滑１个百分点
　　美元指数近两年一直持续走高，近期出现一些波动，但仍保持较高水平。不过，美元理财产品的收益率却没有保持升势，甚至出现了下跌。
　　数据显示，今年４月以来截至４月１９日，共发行了６１只美元理财产品，平均收益率仅为１．４６％。而１月、２月、３月分别发行了７８只、６０只、８６只美元理财产品，每月的平均收益率则分别为１．５４％、１．５３％、１．４％，收益率呈现出阶梯式的下跌。
　　若要和去年情况相比，这一下滑趋势则更为明显。数据显示，２０１４年一季度时，美元理财产品平均最高预期收益率还在３．３３％的较高水平，而进入二、三四季度，即下滑到３．１１％、２．４６％、１．９４％，很明显，这一下滑幅度很大。
　　从具体的产品上看，４月份当中，招商银行的三款产品目前收益率最高，达到２．７％，分别为&金葵花&－招银进宝之美元鼎鼎成金０６０号理财产品、美元鼎鼎成金９６００４９号理财产品和美元鼎鼎成金９６００５２号理财产品。此外，还有１１款产品的收益率超过２％，基本都是招商银行、兴业银行、光大银行旗下的产品。
　　从今年以来的情况看，有７款产品收益率超过３％，均为招商银行旗下产品，最高的是２０１５年私人银行固定收益系列之美元鼎鼎成金９６００３６号和９６００３２号，这两款产品预期收益率上限均为３．１％，发行时间都是今年１月份。
　　值得注意的是，人民币汇率、外币发行国利率以及国内人民币市场利率水平等因素都会成为影响外币理财产品收益率的因素。由于美国经济好转，美国已经结束量化宽松政策，而加息的预期仍在，美元理财产品会受到美元汇率、利率水平走势影响，美元理财产品收益率有可能往上走，重点是看美国宏观经济走势和货币政策。
　　欧元收益不足１％ 降至近两年最低水平
　　２０１４年，欧洲央行分别在６月和９月各降息１０个基点，影响了欧元兑人民币汇率，欧元理财产品收益率也一路下滑，目前整体平均收益率水平不足１％，值得关注。
　　数据显示，各大银行４月份销售的理财产品中，有８款欧元理财产品，截至目前，平均收益率仅为０．８４３％，这也是最近两年最低的收益水平。而在今年１月至３月间分别发行了１０只、９只、１０只欧元产品，所对应的收益率分别为１．０３５％、０．９３８％、０．９２５％，同样是呈现出阶梯式下滑的局面。
　　这一下滑趋势是去年情况的延续。数据显示，欧元理财品种，２０１４年一季度至四季度的平均预期收益率分别为２．６５％、２．８６％、２．０１％、１．４４％，去年四季度的平均最高预期收益率要低于一季度１个百分点以上。而今年４月份平均收益较去年一季度又下滑了１．８个百分点左右。
　　从具体产品上看，欧元理财高收益产品非常少。４月份发行的产品中仅４款产品收益率超过１％，主要是光大银行、交通银行发行产品。收益率最高的光大银行阳光理财&Ａ计划&第９期产品３，收益达到１．６％，委托期间为３６０天。
　　从今年以来的情况看，只有１７款欧元理财产品收益率超过１％，其中收益最高的是４月份发行的光大银行的产品，收益率为１．６％，其他较高的还有交通银行& 得利宝&汇添利欧元１年产品、光大银行阳光理财&Ａ计划&第４期产品３。
　　总体来看，欧洲经济仍处于低迷状态，大概率会继续维持量化宽松政策，这些国家的货币兑人民币汇率仍然维持在较低水平，有人士预测这一较低收益率还将保持，甚至可能继续走低。
　　澳元风光不再 濒临跌破&３&大关
　　澳元理财产品一直是理财产品收益率之冠，尽管目前仍拥有这一荣誉，不过收益率也在节节下滑，都快要跌破&３％&大关。
　　数据显示，４月份发行了１９款澳元理财产品，平均收益率为３．０９％，这也是最近两年的最低水平。今年前３个月，分别发行了２２只、１６只、２１只产品，收益率分别为３．５２％、３．５６％、３．２４％，收益水平同样是呈下滑趋势。于去年相比，这一收益率水平的下滑趋势更突出。数据显示，２０１４发行超过３００只澳元理财产品，一季度到四季度发行的产品，平均最高预期收益率分别为４．３８％、４．３６％、３．８３％、３．９３％，可见，从去年三季度开始，收益率已经出现下滑。
　　从绝对收益率来看，４月份收益最高的要数招商银行旗下的两款产品&&&金葵花&－招银进宝之澳元鼎鼎成金０６９号理财产品和０７０号理财产品，最高预期收益率都在４．４５％。
　　今年以来，有３４只澳元理财产品的收益超过４％。招商银行&金葵花&安心回报之澳元岁月流金３４３号和３４２号理财产品收益率较高，达到４．６５％。
　　相对来说，在国家基础利率水平不变的背景下，而人民币进入降息周期下，澳元收益率可能会继续走低，值得投资者注意。
　　港币平均收益１．３６％ 面向ＶＩＰ客户产品收益较高
　　和美元联席汇率的港币，这类币种的收益率也在下滑，目前下滑至１．３６％水平。
　　数据显示，４月份发行了２１款港币理财产品，平均收益率为１．３６％，这也是最近两年的最低点。在今年前３月分别发行了２５只、２０只、２３只产品，收益率分别为１．７１６％、１．７５９％、１．４６９％，也是呈现下滑趋势。
　　其实从去年开始，港币理财产品的收益率水平就一直在下滑。数据显示，２０１４一季度到四季度发行的产品，平均最高预期收益率分别为２．９５％、２．２７％、２．０５％、２．１０％。
　　从绝对收益率来看，４月份收益最高的为招商银行旗下两款产品&&&金葵花& －招银进宝之港币鼎鼎成金７９号和８０号理财产品，收益率达到２．３５％。从今年以来的数据看，有３３只港币理财产品的收益率超过２％，招商银行旗下４款产品收益率达到２．８％，不过都是针对ＶＩＰ客户发行。
　　港币理财产品和其它外币理财产品一样，人民币汇率、外币发行国利率以及国内人民币市场利率水平等因素都会成为影响收益，目前来看，港币理财产品收益率可能还会处于低位，未见短期反弹迹象。全球视野的中文财经网站
交通银行“得利宝.汇添利”保本美元6月180天产品
产品点评：
交通银行于日至3月16日推出“得利宝.汇添利”保本美元6月180天产品。
该产品投资币种为美元，投资期限为180天，起点金额为8000美元。该产品募集资金将投资于货币市场工具以及结构性金融衍生工具。
&产品到期保证本金，收益稳定。目前，美元6个月定期存款年利率为0.5000%，可见该产品预期收益高于同期定期存款。该产品适合稳健型投资者。 &&一些银行分析师在周三（3月2日）发布的报告中称，市场开始对美联储加息预期变得谨慎，未来几月中将会在加与不加的争论中继续。去年12月，美联储实施10年来的首次加息，市场预期将会有更多的跟进，但2016年初这些想法都破灭了。然而，现在数据又有所回暖，美国2年期国债收益率持稳在80个基点上，市场也暗示美联储6月加息的可能性在40-45%之间。法巴银行称“我们对美联储在不考虑全球金融市场情绪复苏的情况下再次加息持怀疑态度。”
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