What does the traditional bank's deposit and loan remittance mean?

Deposit-loan exchange means that the product uses three tools of deposit-loan settlement and sale of foreign exchange at the same time, which can not only save costs, but also gain income.

For example, if customers need to pay US dollars at sight, they can adopt the following methods:

Deposit RMB in full in the bank as a deposit (high interest rate), borrow US dollars (low interest rate), and at the same time conduct forward sales of foreign exchange to ensure that US dollars can be returned at maturity. In this way, three tools of deposit, loan and remittance are used at the same time.

In terms of income, there must be a spread between the US dollar and the RMB, and the forward sale of foreign exchange may be a premium or a discount. As long as the sum is positive, customers have arbitrage space. In fact, during the long-term appreciation of RMB, this has been the traditional mainstream business of banks.