According to Jinshi, as the RMB deposit interest rate goes down, some US dollar deposit products are sought after by investors due to their high interest rates. The interest rates of US dollar deposit products sold by some small and medium-sized banks can reach more than 5%, and some US dollar deposit products have a low minimum deposit amount, but the interest rate is as high as more than 4%. However, industry experts remind that although the interest rate of US dollar deposits is generally high, the exchange rate risk cannot be ignored. Yang Haiping, a researcher at the Securities and Futures Research Institute of the Central University of Finance and Economics, said that considering the direction of the Federal Reserve's monetary policy, the interest rate of commercial bank US dollar deposits is easier to fall than to rise, and there is room for further reduction in the short and medium term. Be cautious when exchanging foreign currency for US dollars because there is an exchange rate risk, and the exchange of US dollars by individuals is subject to quota management.