一、行前攻略

a、Before strategy

　　1、通过银行个人购汇兑换当地货币

1、Through the bank personal purchase for local currency

　　虽然境外各国普遍设有外币兑换服务，可用人民币兑换当地货币。但考虑出行便利及境外人民币兑换汇率高低有别，建议行前通过银行个人购汇服务，兑换充足的当地货币。

Although foreign countries with foreign exchange services，Available in local currency RMB exchange。But consider convenient travel overseas and RMB exchange rate discretion nowadays，Advice before through the bank personal purchase service，For plenty of local currency。

　　目前，工商银行可办理美元、港币、日元、欧元、英镑、澳大利亚元、加拿大元、新加坡元、瑞士法郎、丹麦克朗、挪威克朗、瑞典克朗、澳门元、新西兰元、韩元、台币、泰铢17个币种等值5万美元以下（含）个人外币现钞兑换服务。从即日起至2012年12月31日，游客到广州工行网点办理人民币兑换外币业务，按照服务星级享受汇率点差。

At present，Industry and commerce bank can deal with dollars、Hk $、yen、euro、pounds、Australian dollar、Canadian dollars、Singapore dollar、The Swiss franc、The Danish krone、The Norwegian krone、Swedish kronor、patacas、New Zealand dollar、won、Nt $、Thai baht 17 currency equivalent below $50000（contain）Personal foreign currency in cash for service。From now until December 31, 2012，Visitors to the guangzhou Labour travel site deals with RMB foreign currency business，According to service star enjoy exchange rate points of difference。

　　2、出境游保证金兼顾资金安全与收益

2、Both the security deposit money overseas tour and income

　　为防止游客滞留海外不归，旅行社常要求缴纳上万元的旅游保证金。这些资金是否安全，旅游期间是否有收益，是不少出境游客的心病。为此，工商银行在广州地区率先推出的银行托管旅游保证金特色服务，兼顾资金安全与收益，帮助您安心出行。

To prevent stranded tourists overseas don't return，Travel agency often requirement pay the deposit of millions of dollars to travel。These funds will be safe，Tourism is the income，Many of the tourists are exit cupboard。For this，Industry and commerce bank in guangzhou area of the first to launch the bank deposit characteristic service custody tourism，Both the benefits and the safety of fund，Help you ease travel。

　　无忧出行：保证金缴存本人账户中，无被挪用风险，海外旅行无忧出行；

Pillow travel：Margin capture puts in my account，Without the misappropriated risk，Travel abroad worry about the trip；

　　方便快捷：支持多种储种，无需提前支取定期等其他储种的存款，方便快捷；

Convenient and quick：Support a variety of ChuZhong，Need not draw other ChuZhong regularly in advance of the deposit，Convenient and quick；

　　创享收益：保证金缴存冻结期间，可享受对应储种的存款利息，收益不断；

Gen enjoy earnings：Margin capture puts freezing period，Can enjoy corresponding ChuZhong deposit interest，Returns constantly；

　　自动解冻：保证金到期自动解冻，回国后无需再办手续

Automatic thawing：Margin due to be automatic thawing，After returning home need not do procedure

　　市民只需要携带身份证件、工行帐户、旅行社签约合同即可办理。目前工商银行已携手广之旅、中旅、天马旅行社开通此项服务。

People only need to carry identity certificate、Labour travel account、Travel agency contract signing can deal with。At present industry and commerce bank has GuangZhiLv hand in hand、travel、Tianma travel agency opened this service。

　　3、个人资信证明是获得个人旅行签证的辅助工具

3、Personal credit certificate is to obtain personal travel visa auxiliary tool

　　自由行游客在办理个人旅游签证需要提供财产证明，资金实力越雄厚签证通过的概率越高，如美国等。银行的个人资信证明是成功获得签证的辅助工具之一。

Free line handling individual tourists in tourist visa need to provide proof of property，The more abundant capital actual strength of the higher visa through probability，Such as the United States and other。Bank credit certificate of the individual is successful visa one of the auxiliary tool。

　　工商银行提供个人资信证明服务，出具多种英文对照的资信证明书，如实证明出境旅客在工行的金融资产数量及业务往来情况，能为旅客获得个人旅行签证提供多重保障。

Industry and commerce bank provide personal credit certification service，Many English controlled by credit certificate，Truthfully prove outgoing passengers in the line of the financial asset number and transactions，Passengers can get personal travel visa to provide multiple security。

　　二、旅途攻略

two、Journey strategy

　　1、国际信用卡是“血拼”的主要结算工具之一

1、International credit card is“shopping”One of the main settlement tools

　　携带一张国际信用卡是境外“血拼”的好方法。使用银联结算通道，直接将当地货币兑换为人民币结算；使用境外Visa或Master结算通道，可用人民币购汇还款，同样安全便捷。

Carry a international credit card is overseas“shopping”Good method。Using unionpay settlement channel，The local currency into directly RMB settlement；Use overseas Visa or Master settlement channel，The purchase of reimbursement available，The same safety convenient。

　　工商银行牡丹国际信用卡，先消费后还款，一卡双币，全球通用。透支消费可享受25天至56天免息还款期，支持人民币自动购汇还款、短信提示服务。使用方便，消费安全。

Industry and commerce bank peony international card，The reimbursement after be being consumed，A card double money，universal。Overdraw consumption can enjoy 25 days to 56 days insults interest-free，Support the yuan to be automatic purchase for reimbursement、SMS alert service。Easy to use，Consumer safety。

　　2、运通旅行支票携带方便，使用安全

2、Express traveler's checks is easy to carry，Use safety

　　旅行支票是由世界知名、资信良好的金融机构发行、由持票人购买，可携带出镜兑付现金、甚至直接替代现金消费的一种定额票据。在美国、加拿大、澳洲等金融发达国家及地区接受程度较高，自由行及商务出行的旅客可选择携带，使用安全，不必担心遗失或被盗。

Traveler's check is by the world famous、Good credit financial institutions to the issue、By the people to buy tickets，To carry out the mirror cash payment、Even directly replace cash consumption of a fixed the bill。In the United States、Canada、Australia's financial developed countries and regions to accept higher degree，Line and business travel free passengers can choose to carry，Use safety，Don't have to worry about is lost or stolen。

　　目前，工商银行代理的销售美国运通旅行支票，有美元、欧元、英镑、日元、加拿大元、澳大利亚元6个币种。即日起至2012年12月31日，游客在广州工行网点办理人民币兑换外币服务后，使用购汇资金购买运通旅行支票还可享受手续费优惠。

At present，Industry and commerce bank agent sales American express traveler's checks，With a us $、euro、pounds、yen、Canadian dollars、Australian dollar six currency。This date to 31 December 2012，Tourists in guangzhou Labour travel site deals with RMB foreign currency after service，Use funds for the purchase of American express traveler's checks can also enjoy preferential charges。

　　三、归国攻略

three、Returned strategy

　　1、通过银行个人结汇将未用完外币兑换回人民币

1、Through the bank individual settlement will not use up foreign exchange back to RMB

　　旅行结束后，如果外币没有用完，可通过银行个人结汇兑回人民币。工商银行同样提供外汇兑人民币服务，即日起至2012年12月31日，在广州工行网点办理外币兑换人民币业务还可享受相关优惠。

Travel after the end，If foreign currency unused，But through the bank individual "exchange back to RMB。Industry and commerce bank also provides for the foreign currency against the yuan services，This date to 31 December 2012，In guangzhou Labour travel site deals with foreign exchange RMB business can also enjoy privileges。

　　2、代理境外消费退税助您“血拼”愉快

2、Agency for consumption abroad drawback to help you“shopping”happy

　　为鼓励外国游客消费购物，许多国家都有消费退税服务。如果旅行地是欧盟国家，需要办理世界著名退税机构Global Blue（环球退税公司）的退税业务。工商银行是Global Blue（环球退税公司）在中国唯一的指定代理。旅客在境外35个国家27万多家有Global Blue “TAX FREE SHOPPING”标志的指定商店购物消费时所支付的消费税，可凭加盖该国海关图章的退税支票、本人身份证明、护照、购物收据，在有效退税期内到工商银行广州南方支行办理，即可轻松取回退税现金。 (来源：信息时报)

To encourage foreign tourists consumer shopping，Many countries have a consumption tax refund services。If travel is the European Union countries，Need to deal with the world famous drawback institutions Global Blue（Universal tax refund company）Tax rebates of business。Industry and commerce bank is a Global Blue（Universal tax refund company）In China's only designated agent。Passengers overseas in 35 countries more than 270000 home has Global Blue “TAX FREE SHOPPING”The sign of the designated shop shopping consumption for the consumption tax，But by the country's customs stamp tax refund check、Proof of identity、passport、Shopping receipt，In the effective tax refund period to industry and commerce bank guangzhou south branch to deal with，You can easily retrieve tax refund cash。 (source：Information times)