Banks can directly handle the "non-original return" foreign exchange refund business under service trade. Only when the remittance is returned according to the original route and within 180 days, can they go to the handling bank to directly return the remittance. If the foreign exchange is returned by the original route after 180 days, they must first go to the foreign exchange bureau for approval. After getting the registration form, they can go to the bank for a foreign exchange refund with the registration form.