1. Although you received $50,000 in foreign exchange, it doesn't affect you to receive more money at all, because the bank only stipulates that you can only settle and sell foreign exchange for $50,000 a year, which doesn't mean that you can't deposit more than $50,000. Simply put, it is deposited in a personal account in the form of US dollars, and there is no need to settle and sell foreign exchange.
2. If you need to settle and sell foreign exchange, and you are within 300,000 yuan or even 200,000 yuan, you can ask your immediate family members to help you settle and sell foreign exchange, bring the corresponding supporting materials, such as marriage certificate and household registration book, and go directly to the bank counter.
3. If you have a large amount of foreign exchange settlement and sale funds every year, I suggest you set up a bank card in Hong Kong, such as ICBC Asia, China Merchants Bank's one-card card and China Construction Bank's dry port express card. Because there are restrictions on the settlement and sale of foreign exchange in China, Hong Kong does not have such restrictions, so foreign exchange can be collected indefinitely, and foreign exchange can be settled in Hong Kong and remitted back to the mainland in RMB.