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提供即日轉賬服務，匯款速度更快，服務覆蓋超過130個國家。",[],{"_key":1880,"_type":795,"children":1881,"level":927,"listItem":928,"markDefs":1886,"style":824},"k495",[1882],{"_key":1883,"_type":799,"marks":1884,"text":1885},"k494",[],"開設多貨幣帳戶：企業可隨時收取及繳付外幣，毋須多次兌匯轉賬，節省大量手續費。",[],{"slug":1888,"title":1889},"finance-tools","Finance Tools",{"_type":130,"alternativeText":1891,"height":131,"url":1892,"width":133},"CNH vs CNY：離岸與在岸人民幣有何分別？會否影響跨境交易？","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002F7a868c7b9722048824f5a359ea1bc350\u002Fshared-hk-7a868c7b_cover_shared-cover-business.jpeg",[1894,1901,1909,1916],{"_key":898,"_type":795,"children":1895,"level":927,"listItem":928,"markDefs":1900,"style":824},[1896],{"_key":1897,"_type":799,"marks":1898,"text":1899},"k1",[],"兩種人民幣，兩種市場：在岸人民幣 (CNY) 僅於中國大陸境內流通，匯率受嚴格管制；離岸人民幣 (CNH) 則在境外市場自由交易，匯率由市場供需決定。",[],{"_key":1902,"_type":795,"children":1903,"level":927,"listItem":928,"markDefs":1908,"style":824},"k5",[1904],{"_key":1905,"_type":799,"marks":1906,"text":1907},"k4",[],"價差根源：中國的資本管制政策使兩個市場被隔開，並產生匯率差異。國際市場對中國經濟的預期不同，也會影響 CNH 的匯率",[],{"_key":1910,"_type":795,"children":1911,"level":927,"listItem":928,"markDefs":1915,"style":824},"k8",[1912],{"_key":904,"_type":799,"marks":1913,"text":1914},[],"企業的應對策略：對於跨境企業而言，直接開設離岸人民幣 (CNH) 帳戶，並善用 Aspire 等金融科技工具，是降低換匯成本、有效管理匯率風險的關鍵。",[],{"_key":912,"_type":795,"children":1917,"level":927,"listItem":928,"markDefs":1921,"style":824},[1918],{"_key":915,"_type":799,"marks":1919,"text":1920},[],"個人換匯須知：個人從香港匯款至內地同名帳戶時，需注意每日 8 萬元人民幣的額度限制，並在進行大額換匯前比較不同平台的即時匯率。",[],[1923],{"_key":898,"_type":795,"children":1924,"markDefs":1928,"style":824},[1925],{"_key":1897,"_type":799,"marks":1926,"text":1927},[],"在全球化的今天，與中國進行貿易或資金往來已是常態。然而，許多企業與個人在處理匯款時，常常對 CNH 和 CNY 這兩個代碼感到困惑。為什麼同樣是人民幣，卻有兩種不同的匯率？這背後的差異不僅影響您的換匯成本，更可能隱藏著匯率風險。本文將為您全面解析離岸人民幣 (CNH) 與在岸人民幣 (CNY) 的核心區別，並提供具體的跨境交易策略，幫助您輕鬆駕馭複雜的匯率環境。",[],"2025-11-26T00:00:00.000Z",{"_type":125,"metaDescription":1931,"metaTitle":1891,"socialShareImageUrl":1932},"想知道離岸人民幣 (CNH) 與在岸人民幣 (CNY) 的核心差異嗎？本文深入解析兩種人民幣的定義、監管機制與匯率價差成因，並提供跨境貿易的實用策略。",{"_type":130,"alternativeText":1891,"height":131,"url":1892,"width":133},"cnh-vs-cny",[1935,1941,1947,1953,1959,1966,1973,1980,1988,1995,2001,2007,2015,2022,2029,2036],{"_key":898,"_type":795,"children":1936,"level":927,"listItem":928,"markDefs":1940,"style":824},[1937],{"_key":1897,"_type":799,"marks":1938,"text":1939},[],"1. People’s Bank of China (2014). Public Announcement on Expanding the RMB\u002FUSD Trading Band to ±2%. Retrieved from https:\u002F\u002Fenglish.www.gov.cn\u002Fpolicies\u002Flatest_releases\u002F2014\u002F08\u002F23\u002Fcontent_281474983027528.htm",[],{"_key":1902,"_type":795,"children":1942,"level":927,"listItem":928,"markDefs":1946,"style":824},[1943],{"_key":1905,"_type":799,"marks":1944,"text":1945},[],"2. CFETS \u002F ChinaMoney (n.d.). CNY Central Parity Rate & Formation Mechanism. Retrieved from https:\u002F\u002Fwww.chinamoney.org.cn\u002Fenglish\u002Fbmkcpr\u002Findex.html?tab=2",[],{"_key":1910,"_type":795,"children":1948,"level":927,"listItem":928,"markDefs":1952,"style":824},[1949],{"_key":904,"_type":799,"marks":1950,"text":1951},[],"3. Hong Kong Monetary Authority (2025, Oct). Overview of policy arrangements on personal cross-boundary remittance between Hong Kong and the Chinese Mainland (one-pager). Retrieved from https:\u002F\u002Fwww.hkma.gov.hk\u002Fmedia\u002Feng\u002Fdoc\u002Fsmart-consumers\u002FCross-boundary_remittance_one-pager_eng.pdf",[],{"_key":912,"_type":795,"children":1954,"level":927,"listItem":928,"markDefs":1958,"style":824},[1955],{"_key":915,"_type":799,"marks":1956,"text":1957},[],"4. Hong Kong Monetary Authority (2025). Payment Connect – Consumer Info. Retrieved from https:\u002F\u002Fwww.hkma.gov.hk\u002Feng\u002Fsmart-consumers\u002Fpayment-connect\u002F",[],{"_key":924,"_type":795,"children":1960,"level":927,"listItem":928,"markDefs":1965,"style":824},[1961],{"_key":1962,"_type":799,"marks":1963,"text":1964},"k13",[],"5. CME Group (2012). Emerging Offshore Chinese Renminbi Market. Retrieved from https:\u002F\u002Fwww.cmegroup.com\u002Feducation\u002Ffiles\u002Femerging-offshore-chinese-renminbi-market.pdf",[],{"_key":940,"_type":795,"children":1967,"level":927,"listItem":928,"markDefs":1972,"style":824},[1968],{"_key":1969,"_type":799,"marks":1970,"text":1971},"k16",[],"6. International Monetary Fund (2013). Development of the Renminbi Market in Hong Kong SAR: Assessing Onshore-Offshore Market Integration (WP\u002F13\u002F268). Retrieved from https:\u002F\u002Fwww.imf.org\u002Fexternal\u002Fpubs\u002Fft\u002Fwp\u002F2013\u002Fwp13268.pdf",[],{"_key":949,"_type":795,"children":1974,"level":927,"listItem":928,"markDefs":1979,"style":824},[1975],{"_key":1976,"_type":799,"marks":1977,"text":1978},"k19",[],"7. Bank for International Settlements (2015). Assessing the CNH–CNY Pricing Differential (Working Paper No. 492). Retrieved from https:\u002F\u002Fwww.bis.org\u002Fpubl\u002Fwork492.pdf",[],{"_key":1981,"_type":795,"children":1982,"level":927,"listItem":928,"markDefs":1987,"style":824},"k23",[1983],{"_key":1984,"_type":799,"marks":1985,"text":1986},"k22",[],"8. SWIFT (2025). RMB Tracker – July 2025. Retrieved from https:\u002F\u002Fwww.swift.com\u002Fsites\u002Fdefault\u002Ffiles\u002Ffiles\u002Frmb-tracker_july-2025.pdf",[],{"_key":934,"_type":795,"children":1989,"level":927,"listItem":928,"markDefs":1994,"style":824},[1990],{"_key":1991,"_type":799,"marks":1992,"text":1993},"k25",[],"9. Investopedia (n.d.). Dim Sum Bond – Definition & How it Works. Retrieved from https:\u002F\u002Fwww.investopedia.com\u002Fterms\u002Fd\u002Fdim-sum-bond.asp",[],{"_key":947,"_type":795,"children":1996,"level":927,"listItem":928,"markDefs":2000,"style":824},[1997],{"_key":943,"_type":799,"marks":1998,"text":1999},[],"10. Hong Kong Monetary Authority (2024). Keynote speech at the Treasury Markets Summit 2024. Retrieved from https:\u002F\u002Fwww.hkma.gov.hk\u002Feng\u002Fnews-and-media\u002Fspeeches\u002F2024\u002F09\u002F20240927-3\u002F",[],{"_key":961,"_type":795,"children":2002,"level":927,"listItem":928,"markDefs":2006,"style":824},[2003],{"_key":956,"_type":799,"marks":2004,"text":2005},[],"11. Investopedia (n.d.). Middle Rate (Mid \u002F Mid-Market Rate) – Definition. Retrieved from https:\u002F\u002Fwww.investopedia.com\u002Fterms\u002Fm\u002Fmiddle-rate.asp",[],{"_key":2008,"_type":795,"children":2009,"level":927,"listItem":928,"markDefs":2014,"style":824},"k35",[2010],{"_key":2011,"_type":799,"marks":2012,"text":2013},"k34",[],"12. HSBC (n.d.). Managing Currency Risk – FX Forwards & Hedging Overview. Retrieved from https:\u002F\u002Fwww.business.hsbc.com\u002Fen-gb\u002Fproducts\u002Ffx-managing-currency-risk",[],{"_key":2016,"_type":795,"children":2017,"level":927,"listItem":928,"markDefs":2021,"style":824},"k38",[2018],{"_key":970,"_type":799,"marks":2019,"text":2020},[],"13. Aspire (2024). Guide to CNH (CNY) Transfers from SGD Account. Retrieved from https:\u002F\u002Fhelp.aspireapp.com\u002Fsg\u002Fen\u002Farticles\u002F9264974-guide-to-cnh-cny-transfers-from-sgd-account",[],{"_key":2023,"_type":795,"children":2024,"level":927,"listItem":928,"markDefs":2028,"style":824},"k41",[2025],{"_key":978,"_type":799,"marks":2026,"text":2027},[],"14. DBS Bank (n.d.). My Account – Multi-Currency Wallet (includes CNH). Retrieved from https:\u002F\u002Fwww.dbs.com.sg\u002Fpersonal\u002Fdeposits\u002Fsavings-accounts\u002Fmy-account",[],{"_key":2030,"_type":795,"children":2031,"level":927,"listItem":928,"markDefs":2035,"style":824},"k44",[2032],{"_key":987,"_type":799,"marks":2033,"text":2034},[],"15. Cheung, Y.-W., & Rime, D. (2014). The Offshore Renminbi Exchange Rate: Microstructure and Links to the Onshore Market. Retrieved from https:\u002F\u002Fwww.sciencedirect.com\u002Fscience\u002Farticle\u002Fabs\u002Fpii\u002FS0261560614000898",[],{"_key":2037,"_type":795,"children":2038,"level":927,"listItem":928,"markDefs":2042,"style":824},"k47",[2039],{"_key":995,"_type":799,"marks":2040,"text":2041},[],"16. DBS (n.d.). FX Forward – Protect your business from currency volatility. Retrieved from https:\u002F\u002Fwww.dbs.id\u002Fid\u002Fsme\u002Ftreasury\u002Fforeign-exchange\u002Ffx-forward",[],1791455333084]