What's the use of copying these upstairs? Let me answer something practical. I have been engaged in foreign trade for several years and often make such remittances.

Under normal circumstances, the negotiation between the two parties is based on the middle price of China Bank, but when the bank actually exchanges RMB, the RMB you get is calculated according to the spot foreign exchange buying price. There is a handling fee for remittance. In many cases, the handling fee is borne by both parties. The charging standards of different banks are different and are not static. In short, they will bear a part of the handling fee, and then deduct a part of your handling fee from the remittance amount, which is usually deducted from the transfer business. But when sending money, they can also choose you to bear all the expenses.

If you have any questions, please keep asking me.