1. The excessive scale of foreign exchange accounts is caused by the gradual increase of international payments, that is, trade surplus and capital surplus. A trade surplus means that exports of goods and services are greater than imports. Our country relies on trade growth every year to stimulate the economy, vigorously develop foreign trade, increase employment, and lead to increased profits, so it earns a lot of foreign exchange reserves. However, the human and material resources paid by our country are provided for foreigners to use. If we reduce imports, we will reduce the use of resources from other countries. As for investment and employment opportunities, it depends on the situation. For example, importing resources from other countries to produce products will certainly increase investment and employment, but trade.

2. A large number of foreign exchange reserves are idle and wasted, which means that there is a risk of foreign exchange depreciation in the external account, and of course a lot of wealth is lost. Accordingly, these wealth are obtained through a lot of productive resources and labor. It's like you earned 6.5438+0 million yuan through hard work, and you never used it, so you deposited it in the bank, but the purchasing power of RMB decreased and the losses were heavy. You could have invested 6,543,800 yuan, but you didn't. It just left your means of production and labor idle.