With the great number of people traveling overseas for holiday, business and study, the need for international business services has increased dramatically. For convenience, banks offer Foreign Exchange (FX) services in a wide range of currencies? Because carrying around large amounts of cash while traveling can be dangerous, banks generally recommend that travelers purchase traveler's checks in the currency of the country that they are visiting. If a person is traveling to a foreign country for a long time and plans to set up a bank account in that country, for example a student, then an international draft or wire transfer may be the best and most convenient option? Whatever the option, the customer will pay a bank fee. In the case of any Foreign Exchange purchase or sale, the fee is actually "buried" in the exchange rate. The large difference in the buy and sell rates, particularly with cash, is because of the exposure of the bank to currency risk, as well as extra time devoted to handling and checking cash, and the risk of receiving counterfeit notes.
　　越來越多的人去海外旅游、出差和留學(xué)，對于國際業(yè)務(wù)的需求也越來越高了。為了客戶方便，銀行提供各種外國貨幣的匯兌服務(wù)。由于攜帶大量現(xiàn)金出游風(fēng)險(xiǎn)較大，銀行通常建議客戶購買出訪國家貨幣的旅行支票。如果客戶，比如留學(xué)生，是長期出國并計(jì)劃在所在國開立銀行賬戶，那么國際匯票或電匯是最便捷的選擇。無論哪種選擇都需要支付銀行手續(xù)費(fèi)。在外匯買賣中，手續(xù)費(fèi)實(shí)際上已經(jīng)隱含在匯率中了。買入和賣出外匯匯率有一定差額是因?yàn)殂y行必須面對貨幣風(fēng)險(xiǎn)，同時(shí)還需投入時(shí)間轉(zhuǎn)賬、核對并有可能收進(jìn)偽鈔。