Remittance means that the remitter delivers the local currency to the local bank, and the bank issues a payment power of attorney and sends it to the foreign branch or correspondent bank by airmail to handle the foreign exchange payment business. Through telegraphic transfer, banks have the opportunity to use funds because it takes longer than telegraphic transfer, so the exchange rate of telegraphic transfer is lower than that of telegraphic transfer, and the difference is equivalent to Yu Xinhui's interest.