1. Affected by regulatory policies: banks conduct foreign exchange business under the supervision of the State Administration of Foreign Exchange. If the regulatory policy changes, banks may be affected and need to adjust their business scope or close their business.

2. High operating costs: foreign exchange business requires banks to invest a lot of manpower, material resources and financial resources. If the operating costs are too high, banks may consider closing businesses that do not make money or lose money.

3. Declining market demand: With the popularity of mobile payment and third-party payment, more and more people choose to use these convenient payment methods, and the market demand for foreign exchange business is gradually declining, and banks may consider adjusting their business layout.