1. Enterprises with foreign investment can buy and sell foreign exchange in designated foreign exchange banks or foreign exchange trading centers. Other domestic institutions, individual residents, foreign institutions and foreigners in China can only buy and sell foreign exchange in designated foreign exchange banks.

2. Foreign exchange is all assets held by a country in foreign currency. Refers to the flow of a country's currency in various countries, and the exchange of one country's currency into another country's currency to repay international creditor's rights and debts. In fact, this kind of debt is held by the monetary authorities (central bank, monetary authority, foreign exchange stabilization fund and Ministry of Finance) in the form of bank deposits, treasury bills and short-term and long-term government bonds, which can be used when there is a balance of payments deficit. Divided into freely convertible foreign exchange, limited freely convertible foreign exchange and account foreign exchange. Convertible foreign exchange refers to the most commonly used foreign exchange in international settlement, which can be freely traded in the international financial market, used to pay off debts in international finance, and can be freely converted into currencies of other countries. Such as US dollars, Hong Kong dollars and Canadian dollars.

Banking business after the expiration of electronic acceptance: the payer shall accept or refuse to accept the acceptance bill within three days from the date of receipt. After receiving the acceptance presentation, the drawee shall also issue a bill receipt to the holder. The receipt shall indicate the date of presentation for acceptance and be signed. Bill of exchange law generally stipulates that there is a date of presentation, and the holder will pay after presentation. Since the maturity date of the bill is counted from the date of acceptance, the holder should accept it as soon as possible, and the payer is not responsible for the bill before acceptance.

Acceptance bills can be divided into bank acceptance bills and commercial acceptance bills. At the same time, according to the existing forms, bills can be divided into paper acceptance bills and electronic acceptance bills. The issuance, guarantee, acceptance, delivery, endorsement, pledge, discount, transfer discount and rediscount of electronic bank acceptance bills are all carried out on the electronic commercial bill system, which can greatly improve bill efficiency, reduce personnel and financial costs, and effectively improve financial and business efficiency.