外贸接单网站如何通过谷歌竞价推广？亚马逊大卖24亿理财策略解析
近年来，跨境电商上市企业利用闲置资金购买理财产品已成为普遍现象。这是大卖家进行现金管理的有效手段，通过适度理财获得投资收益，为企业和股东创造额外回报。以安克创新为例，2022年其理财资金规模超过24亿元人民币，而华凯易佰更是将授权理财额度从3亿元提升至5亿元。
In recent years, cross-border e-commerce listed companies have commonly utilized idle funds for financial investments. This serves as an effective cash management strategy, generating additional returns for companies and shareholders. Anker Innovations, for instance, invested over 2.4 billion yuan in financial products in 2022, while Huakai Yibai increased its authorized investment limit from 300 million to 500 million yuan.
01 大卖家偏爱的理财工具：结构性存款与大额存单
01 Preferred Investment Instruments: Structured Deposits and Large Certificates of Deposit
从产品类型来看，跨境电商大卖家主要投资于银行理财产品、结构性存款、定期存款和大额存单等，涉及人民币、欧元和美元等多种货币。其中，结构性存款和大额存单因其收益稳定而备受青睐。
In terms of product types, cross-border e-commerce giants primarily invest in bank wealth management products, structured deposits, time deposits, and large certificates of deposit, covering various currencies including RMB, Euro, and USD. Structured deposits and large CDs are particularly favored for their stable returns.
以杰美特为例，该公司2022年1月20日在交通银行存入1.54亿元结构性存款，7月25日到期后实际收益达357万元。同样，其2021年12月29日在中国银行的2亿元大额存单，截至2022年12月23日已获得超600万元收益。
Take Jame Technology as an example. The company deposited 154 million yuan in structured deposits at Bank of Communications on January 20, 2022, which yielded 3.57 million yuan upon maturity on July 25. Similarly, its 200 million yuan large CD at Bank of China deposited on December 29, 2021, had generated over 6 million yuan in returns by December 23, 2022.
02 闲置募集资金的理财需求
02 Investment Needs for Idle Raised Funds
跨境电商上市企业的理财资金主要来源于自有闲置资金和闲置募集资金。以久祺股份为例，该公司上市募集资金5.02亿元，截至2022年9月30日，尚未使用的募集资金中，2.9亿元用于现金管理。
The investment funds of listed cross-border e-commerce companies mainly come from idle own funds and unused raised capital. For instance, Jiuki Corporation raised 502 million yuan through IPO, and as of September 30, 2022, 290 million yuan of unused funds were allocated to cash management.
03 必要的风险控制措施
03 Essential Risk Control Measures
尽管理财产品都经过严格评估，但金融市场波动仍可能带来风险。安克创新就曾遭遇1亿元信托产品无法兑付的情况。因此，上市大卖家应采取以下风控措施：
Although financial products undergo rigorous evaluation, market fluctuations can still pose risks. Anker Innovations once faced non-payment of a 100 million yuan trust product. Therefore, listed sellers should implement the following risk control measures:
- 选择低风险投资品种
- Select low-risk investment products
- 财务部门持续跟踪理财产品投向
- Finance departments should continuously monitor investment directions
- 建立专项决策机制
- Establish special decision-making mechanisms
目前来看，跨境电商上市企业虽然增加了理财资金额度，但仍将主要精力放在主营业务上，尚未出现过度理财或重大亏损的情况。
Currently, while cross-border e-commerce listed companies have increased their investment quotas, they still focus primarily on core business operations, with no cases of excessive investment or significant losses reported.
