春节“外币红包”提前火 选购时要注意这些！

国家外管局批准的首家互联网外币兑换平台携程近日推出了“万元外币红包”——“万福包”。

The red packet comprises 50 notes in 26 foreign currencies. [Photo provided to chinadaily.com.cn]

The foreign currency red packet, which made its debut in January, is priced at 128 yuan each.

外币红包今年1月面世，每个售价128元。

The red packet comprises 50 notes in 26 foreign currencies, and every note is sealed in a plastic cover with information related to its country of origin. More information can be obtained by scanning the QR code on the cover.

红包内含26国币种，50张票面，每一个币种都使用了定制塑封袋，并额外标注该币种对应的国家信息，消费者还可以通过扫二维码，了解这些外币的更多信息。

此外，工商银行也推出了外币红包。

Industrial and Commercial Bank of China has also rolled out the foreign currency red packets this year, which is priced at 598 yuan per set. Most of the notes are less seen, coming from countries like Cambodia or Zimbabwe.

工商银行今年也推出了外币红包，每套售价598元，里面装的都是不太常见的币种，比如柬埔寨或津巴布韦的货币。

外币红包虽火，但是在选购的时候，用户要注意以下几点：

第一，了解商家是否具备兑换和经营外汇的资格(the product provider is qualified to grant such foreign currency products)，是否是国家外汇管理局批准从事外汇兑换的银行或指定外汇兑换点(designated unit for foreign exchange)。

第二，了解外币红包中的外币是否支持真伪鉴别(verify currency authenticity)，保证全部真币。小心买到假钞，没有防伪标志码，甚至是印刷品。

第三，了解商家是否有当面验收货(examine the currency in person)、不满意无损退(get full refund if the product is intact)的保障，保证自身权益。

【相关词汇】

汇率 foreign exchange rate

外汇储备 foreign exchange reserve

市场情绪 market sentiment

浮动汇率体系 floating exchange rate system

汇率中间价 central parity rate

换汇潮 currency exchange boom