Zheshang Bank cannot automatically grant credit in US dollars, which is a cross-border remittance and does not support automatic credit granting. When the banking system receives foreign exchange funds, it must declare the balance of payments. The balance of payments data frequently released by the State Administration of Foreign Exchange are first declared by the banks that handle the business. When collecting declaration information, it is necessary to ask the payee what the nature of the funds is, whether it is trade income from selling goods, labor wage income or other income. Only after the use of funds is clear can the balance of payments be declared.