Ordinary people can also invest overseas, directly, or hand over their funds to institutions for investment. Bank foreign currency wealth management products, foreign stock markets, overseas funds and foreign real estate are all good choices. According to this method, whether cross-border transfer or working capital is needed is selected. It should be noted that large transactions and transfers need to be declared when they reach a certain amount, and the review of foreign exchange purchases by individual banks is also stricter than before.

In order to facilitate personal foreign exchange receipts and payments, simplify business procedures and standardize foreign exchange management, these Measures are formulated in accordance with the Regulations of People's Republic of China (PRC) Municipality on Foreign Exchange Management and the Regulations on the Administration of Settlement, Sale and Payment of Foreign Exchange.

Article 2 Personal foreign exchange business is divided into domestic and overseas personal foreign exchange business according to the transaction subject, and personal foreign exchange business under current account and capital account is divided into domestic and overseas personal foreign exchange business according to the transaction nature. Manage personal foreign exchange business according to the above classification.

Article 3 The foreign exchange business of personal current account shall be managed according to the principle of convertibility, and the foreign exchange business of individual capital account shall be managed according to the convertibility process.

Article 4 The State Administration of Foreign Exchange and its branches (hereinafter referred to as the foreign exchange bureaus) shall, in accordance with the provisions of these Measures, supervise and manage individual domestic and cross-border foreign exchange business.

Article 5 Individuals shall handle relevant foreign exchange business in accordance with the provisions of these Measures. Banks shall handle foreign exchange receipts and payments, settlement and sale of foreign exchange and open foreign exchange accounts for individuals in accordance with the provisions of these Measures, and examine the authenticity of valid identity documents and relevant certification materials submitted by individuals. Remittance agencies and foreign currency exchange agencies (including exchange points) handle personal foreign exchange business for individuals in accordance with the provisions of these Measures.

Article 6 A bank shall handle the personal purchase and settlement of foreign exchange through the management information system designated by the foreign exchange bureau, truthfully and accurately enter the relevant information, and keep the personal business-related information for at least five years for future reference.

Article 7 When handling personal foreign exchange business, banks and individuals shall abide by the relevant provisions of these Measures, and shall not evade quota supervision by splitting, or use false commercial documents or vouchers to evade authenticity management.

Article 8 Individuals' cross-border receipts and payments shall go through the procedures for the declaration of balance of payments statistics in accordance with the relevant provisions on the declaration of balance of payments statistics.

Article 9 Individual settlement of foreign exchange and domestic individual purchase of foreign exchange shall be subject to annual total management. Within the total annual amount, it shall be handled in the bank with my valid identity certificate; If it exceeds the annual total, it shall be handled in the bank with my valid identity certificate and relevant certificates of the transaction amount under the current account, and under the capital account, it shall be handled in accordance with the relevant provisions of Chapter III.

Legal basis: Article 16 of the Detailed Rules for the Implementation of the Measures for the Administration of Personal Foreign Exchange shall be handled in accordance with relevant state regulations. With the approval of the local foreign exchange bureau, you can purchase or remit the required foreign exchange with your own foreign exchange, and go through the corresponding foreign exchange registration procedures for overseas investment. Domestic individuals and overseas individuals who habitually reside in China because of economic interests set up or control special purpose companies overseas and return to China for investment, and the foreign exchange receipts and payments involved shall be handled in accordance with the Notice of the State Administration of Foreign Exchange on Relevant Issues Concerning Foreign Exchange Management of Domestic Residents Financing through Overseas Special Purpose Companies and Returning to China for Investment.