1, the concept of foreign exchange.
Foreign exchange appropriation means that foreign customers deposit foreign currency deposits in domestic bank accounts, and domestic banks use foreign exchange deposits as appropriation funds to meet the capital needs of domestic customers, thus achieving the effect of fund pool and realizing the liquidity and utilization rate of foreign exchange funds.
2, the characteristics of foreign exchange.
(1) foreign exchange accounts can improve the utilization rate of foreign exchange funds and the capital supply rate of domestic customers;
(2) Foreign exchange appropriation can reduce the foreign exchange risk of domestic customers and improve their foreign exchange hedging ability;
(3) foreign exchange can improve the fund management level of domestic customers and improve the efficiency of fund use of domestic customers.
3. Advantages of foreign exchange.
(1) foreign exchange can improve the fund management level of domestic customers and improve the efficiency of fund use of domestic customers;
(2) Foreign exchange appropriation can improve the utilization rate of foreign exchange funds and the capital supply rate of domestic customers;
(3) Foreign exchange appropriation can reduce the foreign exchange risk of domestic customers and improve their foreign exchange hedging ability;
(4) foreign exchange can improve the fund management level of domestic customers and improve the efficiency of fund use of domestic customers;
(5) foreign exchange can improve the liquidity of banks and improve their fund management level.
4, the flow of foreign exchange.
(1) Foreign customers deposit foreign exchange deposits in domestic bank accounts;
(2) Domestic banks use foreign exchange deposits as their contribution funds;
(3) Domestic banks will use the occupied funds to meet the capital needs of domestic customers;
(4) Domestic customers will settle foreign exchange funds through foreign exchange transactions;
(5) Domestic banks pay foreign exchange deposits to overseas customers.
5. Risk control of foreign exchange holdings
(1) Domestic banks should strengthen the supervision of foreign exchange holdings and improve the risk control system of foreign exchange holdings;
(2) Domestic banks should strengthen the audit of foreign exchange accounts to ensure the authenticity and legality of foreign exchange accounts;
(3) Domestic banks should strengthen the supervision of foreign exchange holdings to ensure the safety of foreign exchange holdings;
(4) Domestic banks should strengthen the management of foreign exchange holdings to ensure the effectiveness of foreign exchange holdings;
(5) Domestic banks should strengthen the reporting of foreign exchange holdings to ensure the accuracy of foreign exchange holdings.
Foreign exchange appropriation means that foreign customers deposit foreign currency deposits in domestic bank accounts, and domestic banks use foreign exchange deposits as appropriation funds to meet the capital needs of domestic customers, thus achieving the effect of fund pool and realizing the liquidity and utilization rate of foreign exchange funds. Foreign exchange appropriation has the advantages of improving the utilization rate of foreign exchange funds, reducing the foreign exchange risk of domestic customers and improving the fund management level of domestic customers, but there are also risks. Therefore, domestic banks should strengthen the supervision of foreign exchange appropriation and improve the risk control system of foreign exchange appropriation to ensure the safety, authenticity, accuracy and effectiveness of foreign exchange appropriation.
Focusing on the question of "what is the meaning of foreign exchange appropriation", this paper introduces the concept, characteristics, advantages, process and risk control of foreign exchange appropriation in detail. Foreign exchange appropriation has the advantages of improving the utilization rate of foreign exchange funds, reducing the foreign exchange risk of domestic customers and improving the fund management level of domestic customers, but there are also risks. Therefore, domestic banks should strengthen the supervision of foreign exchange appropriation and improve the risk control system of foreign exchange appropriation to ensure the safety and security of foreign exchange appropriation.