With the great number of people traveling overseas for holiday, business and study, the need for international business services has increased dramatically¹. 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 draft² or wire transfer³ 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 exposure⁴ of the bank to currency risk, as well as extra time devoted⁵ to handling and checking cash, and the risk of receiving counterfeit⁶ notes.

　　越来越多的人去海外旅游、出差和留学，对于国际业务的需求也越来越高了。为了客户方便，银行提供各种外国货币的汇兑服务。由于携带大量现金出游风险较大，银行通常建议客户购买出访国家货币的旅行支票。如果客户，比如留学生，是长期出国并计划在所在国开立银行账户，那么国际汇票或电汇是最便捷的选择。无论哪种选择都需要支付银行手续费。在外汇买卖中，手续费实际上已经隐含在汇率中了。买入和卖出外汇汇率有一定差额是因为银行必须面对货币风险，同时还需投入时间转账、核对并有可能收进伪钞

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