You are wrong. One is cash below the purchase price, and the other is cash. The purchase price is how much RMB the customer can get by selling foreign currency to the bank when settling foreign exchange. The selling price is how much RMB the customer takes from the bank to buy foreign currency when purchasing foreign exchange. Under the buying price and selling price, the spot exchange rate and cash price are also distinguished. For the selling price, the spot exchange rate is the same as the cash price; But for the purchase price, the current exchange rate is higher than the current price. For example, at present, the cash purchase price of US dollars is 6.4 1, while the cash purchase price is 6.45. That is to say, if you change the US dollars in your cash account into RMB, 1 can be changed into 6.4 1, and if you change the US dollars in your cash account into RMB, 1 can be changed into 6. The reason why this happens is that the cost of operating cash in banks is higher than the cost of cash exchange.