互联网模式可以简化客户服务，在传统银行业，即便是简单的换汇交易也通常需要很长的手续办理时间。
The online- only format could streamline customer service in an industry when even simple transactions such as exchanging currency often involve lengthy bureaucracy.
现在它所需要的是一个有深度的人民币存款池，一个足够大的换汇额度，一个有吸引力的人民币证券清单，还有一个惹眼的有地方特色的交易名字。
Now all it needs is a deep pool of yuan deposits, a generous swap line with the PBOC, an enticing menu of yuan securities, and a catchy, local name with which to market them.
当双方同意在将来某个特定日期换汇及交易时，就产生了远期外汇。
A forward exchange occurs when two parties agree to exchange currency and execute the deal at some specific date in the future.
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