在金华，送孩子出国留学(微博)、参加海外夏令营早已不是新鲜事，每年7到9月更是出国旺季，这期间，不少银行的分行柜台业务中超过80%是外汇业务。本报咨询了多家银行的留学金融专家，为即将出国的孩子们在金融服务上支招。

In the jinhua，Send children to study abroad(Micro bo)、To participate in overseas summer camp had not new，Every year 7 to 9 months is busy season to go abroad，During this，Many bank branches counter more than 80% of foreign exchange business is business。Our newspaper consultation with the many Banks abroad financial experts，For will soon go abroad to children in financial services on a court。

申请时看清所需材料 Application materials required to see

　　近两年，金华的出国留学人数激增，涉及留学金融服务的几家国有银行也都推出了“一站式”服务，涵盖了从咨询到留学归来的全过程。

Nearly two years，The surge in the number of jinhua to go abroad to study abroad，Study in financial services involving several state-owned Banks are also introduced“one-stop”service，Range from the study in the whole process of consultation to return。

　　“不同国家，需要的经济证明材料不同。”中国银行金华分行营业部副主任陈晓华告诉记者，大多数国家需要的是存款证明，而像澳大利亚等国家也可接受贷款资信证明。

“Different countries，The economy needs to prove material is different。”The bank of China branches of jinhua, deputy director of the ChenXiaoHua sales told reporters，Most countries need is a certificate of deposit，And like Australia and other countries also accept loans reference。

出境少带现金，不安全 Exit take less cash，No security

　　根据外汇管理局的规定，个人不可携带超过等值5000美元的外币现钞，否则需要开具外币携带证，既不方便，也不安全。

According to the provisions of the foreign exchange administration，People may not carry more than the equivalent of 5000 us dollars of foreign currency in cash，Otherwise need to open foreign currency carry card，Neither convenient，Are not safe。

　　工商银行国际业务部总经理助理宗慧萍建议，家长(微博)在购汇后，最好采用汇票方式支付学费，汇款的方式支付生活费。其中，低于7万元人民币的速汇金业务更是保证10分钟到账，以2000美金为例，手续费比电汇形式节省了一半多。

Industry and commerce bank international department assistant to the general manager ZongHuiPing Suggestions，parents(Micro bo)After the purchase of，Had better use draft pay for college，The kind of remittance pay for living expenses。Among them，Less than 70000 RMB yuan of moneygram business it is to make sure 10 minutes in the bill，For $2000, for example，Poundage t save form than more than half。

国际信用卡更省钱 International credit card more to save money

　　没有固定收入等证明，学生到国外很难申请到信用卡，这个问题也有办法解决。父母可以在国内申请国际信用卡后，再办理附属卡给子女使用。既可实时跟踪消费情况、调节信用额度，还能直接在国内还款，省去了这笔钱的汇款费用。

No fixed income and proof，Student abroad is hard to applied for a credit card，This question is also a solution。Parents can apply for international credit card in China，For supplementary card to give children use again。Not only can real-time tracking consumption、Regulate credit，Also directly in the domestic reimbursement，Save the money remittance fee。

　　“在美国，大部分消费都可以刷卡，我很少用现金。”小盛去年进入了美国佩斯大学，只用了3400美元现金，其他支出都是刷卡。

“In the United States，Most of the consumer can charge，I seldom use cash。”I know in the last year entering the American pace university，Only $3400 in cash，Other expenses pay by credit card。

【部分银行的特色服务】 【Part of the bank's characteristic service】

中国银行： The bank of China：

　　海外见证：可在全球18个国家预先开户，出国留学月期间更能享受中国银行海外银行实习机会等增值服务。

Overseas witness：But in 18 countries around the world to open an account in advance，Study abroad during the month more can enjoy the bank of China overseas bank internships and value-added services。

　　万事达电子旅行支票：办理方便，可循环，不受纸质旅行支票的面额限制，国外刷卡即用，适合留学生及短期旅行客户。

Mastercard electronic traveler's checks：Deal with convenient，circulating，From paper traveler's checks denominations restrictions，Foreign credit which，Suitable for students and short-term travel customers。

建设银行： Construction bank：

　　学易贷留学贷款：最高可达100万人民币，贷款期限基本为学习时间+1年，担保灵活，质押成数最高可达95成。

Learn easy credit loan study abroad：Maximum of 1 million RMB，Loan time limit for basic study time + 1 year，Guarantee flexible，Pledge down into record of 95。

工商银行： Industry and commerce bank：

　　多币种国际信用卡：10种外币可多重选择，省去外币间转换费用，成本更低、更方便，适合常在多国出差、旅游的客户。

Many currency international credit card：10 kinds of foreign currency can be multiple choice，Save between foreign currency conversion fees，Cost lower、More convenient，Suitable for often in multinational business travel、Travel customers。

　　各银行还开通了网上银行业务，方便家长、学生们操作。另外，近期各银行因私购汇、汇出汇款、购买旅行支票等业务手续费也都有相应的优惠。

The bank also opened a business of the bank on the net，Convenient parents、The students operation。In addition，Recent purchase for private Banks、Outward payments、Buy traveler's checks and other business poundage also have the corresponding preferential。

　　(来源:钱江晚报)

(Source: qianjiang evening news)