Group 1 - The article emphasizes the significant impact of currency exchange rates on various activities such as studying abroad, overseas travel, and cross-border e-commerce, highlighting that even minor fluctuations can lead to substantial financial differences [2][11] - The current exchange rate of GBP to CNY is 9.6149, which is relatively high, and parents planning to send their children to study in the UK should be cautious, as a previous case showed a loss exceeding 1000 GBP due to rising rates [3] - The USD to CNY exchange rate stands at 7.1498, and while it appears stable, it poses risks for foreign trade practitioners and online shoppers, with potential losses of thousands of yuan due to minor fluctuations [4] Group 2 - The EUR to CNY exchange rate is 8.3151, and despite slow economic recovery in the Eurozone, it remains strong, posing risks for those planning to shop or study in Europe, as evidenced by a previous loss of 1.5 million CNY due to a 0.15 exchange rate difference [5] - The JPY to CNY exchange rate is 4.8262, indicating a favorable time for travel and shopping in Japan, with significant cost savings compared to two years ago, making it an attractive option for consumers [5] - The AUD to CNY exchange rate is 4.6527, closely linked to commodity prices, suggesting that individuals planning to study or invest in Australia should monitor exchange rate trends to mitigate risks [7] Group 3 - The HKD to CNY exchange rate is 0.91092, showing minor fluctuations but still relevant for those investing or studying in Hong Kong, as small changes can lead to significant financial impacts [8] - The article concludes that while occasional shoppers may not feel the effects of daily exchange rate changes, those involved in large currency exchanges should set target rates to optimize costs [11] - Establishing a habit of monitoring exchange rates is crucial for managing finances effectively in a globalized economy [11]