This foreign exchange refers to the mainstream foreign exchange currencies such as the US dollar, the British pound and the euro. This is divided into domestic banks and foreign banks. Foreign deposits have interest, so it is not cost-effective to deposit abroad, and the risk of becoming a foreign wealth management product is also great. The foreign exchange deposited in China is only 5W per person per year, and the rest without foreign exchange settlement is not allowed to be transferred to other people or institutions in China, and the waste can only be limited.