Of course. Since the introduction of intelligent teller machine, its business functions have become more and more perfect. At present, the personal services that smart teller machines can handle include 1 1: account opening and account service, transfer and remittance, personal loans, etc. The company's business includes seven categories: company settlement card, bill purchase and self-service form filling. Compared with a series of complex counter business processes such as taking numbers, queuing, filling out forms and signing, STM adopts touch screen operation mode, and the intelligent system informs customers of the operation steps, which greatly simplifies the handling process and better controls the labor cost.

I. Foreign exchange (creditor's rights clause)

1. foreign exchange, in English, is the creditor's rights held by monetary management organs (central bank, monetary management institutions, foreign exchange stabilization fund, Ministry of Finance) in the form of bank deposits, treasury bonds, long-term and short-term government securities, etc. Can be used when the balance of payments is in deficit.

2. Including foreign currency, foreign currency deposits and foreign currency securities (government bonds, treasury bonds, corporate bonds, stocks, etc.). ) and foreign currency payment vouchers (bills, bank deposit vouchers, postal savings vouchers, etc.). ).

3. As of 20 15, China ranks first in the foreign exchange reserves of governments all over the world. The United States, Japan, Germany and other countries have a large number of private foreign exchange reserves, and the overall foreign exchange reserves of the country are much higher than that of China.

Second, the definition

1, generalization

All foreign currency assets owned by a country. It refers to the flow of money between countries and a specialized commercial activity of exchanging one country's currency for another country's currency to pay off international creditor's rights and debts. In fact, it is the creditor's rights held by the monetary management authorities (central bank, monetary management institutions, foreign exchange stabilization fund and Ministry of Finance) in the form of bank deposits, treasury bonds, long-term and short-term treasury bonds, etc. Can be used when the balance of payments is in deficit.

2. Narrow sense

Various payment methods expressed in foreign currency, which are generally accepted by all countries and can be used for international settlement of creditor's rights and debts. It must have three characteristics: affordability (assets that must be expressed in foreign currency), availability (claims that can be compensated abroad) and convertibility (foreign currency assets that can be freely converted into other means of payment).