三.改革开放前后的“以物代汇”与“以钞代汇”改革开放开始时,侨汇形态有了很大的变化,以物代汇和以钞代汇的情况增多了。最大的原因是当时中国国内物资不足,另一个原因是因改革开放开始从计划经济转换为货币 Three. Before and after the reform and opening up “with the exchange of goods” and “banknotes” In the beginning of reform and opening up, the remittance patterns have undergone great changes. . The biggest reason was that at that time, the shortage of domestic supplies in China was caused by the fact that the reform and opening up began to shift from a planned economy to a currency