Foreign exchange refers to the flow of money between countries, which converts one country's currency into another country's currency to pay off international creditor's rights and debts. In fact, it is the creditor's rights held by the monetary management authorities (central bank, monetary management institutions, foreign exchange stabilization fund and Ministry of Finance) in the form of bank deposits, treasury bonds, long-term and short-term treasury bonds, etc. Can be used when the balance of payments is in deficit.

It is very risky to speculate in foreign exchange. It is recommended to choose the foreign exchange platform of the bank. The trading unit is relatively small, and the corresponding risks will be much smaller.

For example, China Merchants Bank has a firm foreign exchange trading business. "Personal firm foreign exchange trading" refers to the spot foreign exchange trading operation conducted by customers according to the foreign exchange quotation published by China Merchants Bank. Generally speaking, it refers to the operation that individual customers entrust China Merchants Bank to convert one foreign currency into another within the convertible currency.