árfolyamkockázatot

Árfolyamkockázat is a Hungarian term that translates to exchange rate risk or currency risk. It refers to the potential for losses that can arise from fluctuations in the exchange rates between different currencies. This risk is particularly relevant for businesses and individuals involved in international trade, investment, or travel, as it can affect the value of their assets, liabilities, income, and expenses denominated in foreign currencies.

For example, an exporter who sells goods in US dollars but incurs costs in Euros faces árfolyamkockázat. If the Euro strengthens against the US dollar, the exporter's Euro-denominated costs will increase in dollar terms, potentially reducing their profit margin or even leading to a loss. Conversely, an importer who buys goods in US dollars but has revenues in Euros faces the risk that the dollar will strengthen, making their purchases more expensive in Euro terms.

Investors holding foreign assets are also exposed to árfolyamkockázat. If an investor buys shares in a company listed on a foreign stock exchange, the return on their investment will be affected not only by the performance of the shares but also by the movement of the exchange rate between their home currency and the currency in which the shares are traded.

Companies and individuals can employ various strategies to manage árfolyamkockázat, such as hedging instruments like forward contracts, options, or currency swaps. Diversification of currency holdings and careful planning of international financial transactions can also help mitigate these risks. The impact of árfolyamkockázat can be significant, influencing profitability, competitiveness, and the overall financial stability of those exposed to it.