Why do banks generally use the settlement exchange rate lower than the current exchange rate in the forward foreign exchange settlement and sale business, thus causing certain losses? Because the bank knew it would First, banks can transfer risks through the foreign exchange market. Second, banks will not lose too much if they charge fees. At the same time, if the bank obtains foreign currency or local currency, it can also develop corresponding business. For example, in a gold shop, if gold keeps rising, why should it be sold to customers? Why should gold be collected when it keeps falling? That is, you can transfer risks by collecting spreads and hedging in the futures market.