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A2 noun Formal 1 min read

外汇

wai hui /wài huì/

Foreign exchange refers to the currency of one country used to pay for goods or services in another country.

Practice it

外汇 in 30 Seconds

  • Foreign currency used in international transactions.
  • Essential for global trade and finance.
  • Involves currency exchange between countries.

Overview

外汇，顾名思义，就是“外国的交换物”。它主要指在国际经济活动中，不同国家之间流通的货币。当一个国家的居民需要购买外国商品、服务或进行投资时，就需要将本国货币兑换成对方国家的货币，这个过程产生的货币就是外汇。

外汇的使用通常与国际贸易、旅游、留学、投资等活动紧密相关。例如，中国企业从美国进口商品，需要支付美元，这时就需要将人民币兑换成美元，人民币相对于美元就成为了外汇。同样，中国游客去日本旅游，需要将人民币兑换成日元，日元就是游客的外汇。

外汇最常见的语境包括：

**金融市场**：外汇交易市场（Forex），是全球最大的金融市场之一，交易各种货币对。

与“货币”（currency）相比，“外汇”（foreign exchange）更侧重于货币在国际间的兑换和流通。货币是任何国家都可以使用的钱，而外汇则特指用于国际交易的外国货币。例如，人民币在中国国内是货币，但在兑换成美元用于国际支付时，就成为了外汇。

Examples

1

我去银行兑换了一些美元作为去美国旅游的外汇。

everyday

I went to the bank to exchange some US dollars as foreign exchange for my trip to America.

2

国际贸易的结算离不开外汇的流通。

formal

The settlement of international trade is inseparable from the circulation of foreign exchange.

3

身上带点欧元，到时候买东西就方便了，不用老换钱。

informal

Carry some Euros with you, it'll be convenient to buy things then, no need to keep exchanging money.

4

汇率的波动对外汇市场的稳定构成重要影响。

academic

The fluctuation of exchange rates has a significant impact on the stability of the foreign exchange market.

Common Collocations

兑换外汇 exchange foreign currency
外汇储备 foreign exchange reserves
外汇市场 foreign exchange market
外汇管制 foreign exchange control

Common Phrases

外汇管理局

State Administration of Foreign Exchange

即期外汇

spot foreign exchange

远期外汇

forward foreign exchange

Often Confused With

外汇 vs 货币
Currency is a general term for money in any form used as a medium of exchange. Foreign exchange specifically refers to foreign currencies used in international transactions, or the act of exchanging one currency for another.
外汇 vs 本币
Local currency (本币) is the official currency of a country used within its borders. Foreign exchange (外汇) refers to currencies other than the local currency, needed for international dealings.

Grammar Patterns

兑换 + [外汇] [外汇] + 市场 国际 + [外汇] + 交易 持有/储备 + [外汇]

How to Use It

Usage Notes

Foreign exchange is primarily used in contexts related to international finance, trade, travel, and investment. It's a formal term often found in news reports, economic discussions, and banking contexts. When speaking informally about travel money, people might simply say 'foreign money' or the name of the specific currency.

Common Mistakes

Learners might confuse 'foreign exchange' (the concept or the market) with simply 'foreign currency'. While related, 'foreign exchange' can also refer to the process of conversion or the trading market itself. Ensure context is clear when using the term.

Tips

💡

Understand Currency Exchange Rates

Exchange rates fluctuate daily. Keep an eye on them when planning international transactions to get the best value.
⚠️

Beware of Hidden Fees

Some money exchange services may charge hidden fees or offer unfavorable rates. Always compare options before exchanging.
🌍

Currency as a Symbol

A country's currency often features national symbols, landmarks, or historical figures, reflecting its identity and culture.

Word Origin

The term 'foreign exchange' combines 'foreign', meaning from another country, and 'exchange', meaning to trade one thing for another. It directly describes the concept of trading one country's currency for another's.

Cultural Context

The value and stability of a nation's foreign exchange reserves are often seen as indicators of its economic strength and ability to manage international financial obligations.

Memory Tip

Think of 'foreign' (外) and 'exchange' (汇). You 'exchange' your money to get 'foreign' money for international needs.

Frequently Asked Questions

4 questions
外汇是指一个国家用于国际支付的外国货币。它包括以外国货币表示的支付凭证，如外币现金、外币存款、外币有价证券等。
在国际贸易、旅游、投资等活动中，不同国家需要使用各自的货币进行交易。由于各国货币不能直接通用，因此需要通过外汇进行兑换，以完成跨境支付和结算。
本国货币是在本国境内流通和使用的货币。外汇则是指相对于本国货币而言的外国货币，是用于国际间交易的货币。
通常可以在银行、授权的货币兑换点或通过在线外汇交易平台兑换外汇。具体地点和方式取决于您所在的国家和需求。

Test Yourself

fill blank

去国外旅游需要准备一些______。

Correct! Not quite. Correct answer: b

去国外旅游需要购买当地货币或国际通用货币，这些相对于本国货币来说就是外汇。

multiple choice

以下哪项活动最可能涉及外汇？

Correct! Not quite. Correct answer: c

从美国进口商品需要支付美元，美元是外国货币，因此涉及到外汇的兑换和使用。

sentence building

组成句子：外汇 / 交易 / 国际 / 涉及 / 很多

Correct! Not quite. Correct answer: c

这个选项最自然地表达了国际交易通常会涉及外汇这一概念。

Score: /3

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