类似王先生的情况较为普遍，随着中国经济的快速发展及人民币的不断升值，越来越多的市民选择出境度假旅游。面对王先生的情况，银行工作人员建议王先生出行前应适当了解银行的相关服务，在合适的时间办理因私购汇。

Mr. Wang's situation more common similar，Along with the rapid development of China's economy and the yuan rise continuously，More and more people choose to exit holiday travel。Mr. Wang's face，The bank officials suggested Mr. Wang trip before the bank should be properly understand related services，At the right time is dealt with because private purchase。

　　目前，工商银行在上海近500个营业网点提供包括美元、港币、日元、欧元、英镑、澳大利亚元、加拿大元、新加坡元、瑞士法郎等币种在内的个人结售汇业务，近期更推出主要币种个人结售汇点差优惠活动，使市民真正省钱又省心。同时，工行工作人员也提醒王先生应注意以下几个事项。

At present，Industry and commerce bank in Shanghai nearly 500 business outlets provide including the dollar、Hk $、yen、euro、pounds、Australian dollar、Canadian dollars、Singapore dollar、Swiss francs currencies, such as personal below writtens guarantee carry out assembles a business，More recent launch major currency personal below writtens guarantee carry out assembles a points of difference favourable activity，So that citizens really save money and save worry。At the same time，Icbc staff also remind Mr. Wang should notice the following several matters。

　　第一，目前工行提供多种币种个人结售汇服务，但对部分币种银行仅提供现汇或现钞汇兑服务，因此建议市民应进一步了解银行受理的外币币种结售汇范围。

The first，Icbc now offers a variety of currency personal below writtens guarantee carry out assembles a service，But to some of the currency only provides the cash or bank spot exchange services，So proposal citizen should further understanding of the bank acceptance of foreign currency currency below writtens guarantee carry out assembles a range。

　　第二，因私购汇既可以在网上银行办理，也可以在柜面凭本人有效身份证件办理。网上银行办理购汇省时省心，活动期间也有点差优惠，但网上银行购汇仅限部分币种，且如需提取外币现钞仍然需要到银行柜面办理提钞手续。

The second，Because private purchase in the bank on the net can be dealt with，Also can be in dealings by oneself valid identity certificate to deal with。Online bank for purchase or save time，During the campaign and a little bad preferential，But the online Banks upon only to be part of the currency，And if you need to extract foreign currency in cash still need to deal with the bank teller carry bank note formalities。

　　第三，旅游高峰期间客户如需兑换大额或小币种外币现钞，或前往台湾、泰国、菲律宾等热门旅游国家或地区需准备当地货币，市民可先与银行网点提前预约，办理时也务必携带好本人有效身份证件。

The third，During the peak tourist season to exchange the customers such as large or small currency foreign currency in cash，Or to Taiwan、Thailand、The Philippines and other top tourist country or region shall prepare the local currency，Public can bank site first and make reservations in advance，Also be sure to take when dealing with good valid identity certificate。

　　第四，市民除前往银行购买外汇以外，还可根据前往国家或地区的实际情况及需要，选择相关的银行个人外汇产品，如旅行支票、外币信用卡等，使旅程更安全、支付消费更便利。据国际金融报

The fourth，Citizens to buy foreign exchange bank except outside，Also may according to travel to country or region's actual situation and needs，Choose relevant bank personal foreign exchange products，Such as the traveler's checks、Foreign currency credit card，Make the journey more security、Pay for consumption more convenient。According to international financial report