The financing tools provided by banks for personal investment and foreign exchange refer to multi-currency leveraged loans. Multi-currency leveraged loan is a financing tool provided by banks for individuals to invest in foreign exchange. Taking advantage of this foreign exchange investment facility, customers need to deposit a certain amount of time deposits in the bank, also known as original deposits, as collateral for customers to borrow funds from the bank. The credit line of the general customer's borrowed funds is 5- 10 times of the original deposit, and the total loan drawn by the customer from the bank cannot exceed the credit line granted to him by the bank. Any withdrawn loan must be deposited as a time deposit in the bank that issued the loan. This time deposit can be deposited in any currency provided by the bank that is suitable for the bank, and customers can also deposit time deposits in different currencies into loans drawn from the bank. This kind of time deposit is called leveraged deposit.