There is a market. With the continuous development of globalization and cross-border trade, the market demand for remittance is also increasing. In some developing countries and regions, due to the imperfect financial system and large exchange rate fluctuations, letter remittance has become an important way of cross-border remittance. The advantages of letter remittance are fast remittance, simple procedures, safety and reliability, so it has been widely used in international trade and cross-border remittance.