中文：

货币互换协议是指两个国家之间达成的一种协议，约定两国之间进行本币兑换时适用的汇率、期限等条款。这种协议通常是在两个国家之间达成贸易合作、投资合作等经济合作协议时，为了解决货币兑换问题而达成的。

货币互换协议的核心目的是为了促进双边贸易和投资。在两国之间的贸易和投资中，通常需要使用不同国家的货币进行支付和结算。由于不同国家的货币汇率不同，因此在进行贸易和投资时需要进行货币兑换。而货币互换协议可以约定两国之间的货币汇率、期限等条款，从而使得两国之间的贸易和投资更加便利和稳定。

此外，货币互换协议还可以帮助两国之间进行货币政策协调。在某些情况下，两个国家之间的货币政策可能存在差异，导致两国之间的利率、汇率等方面存在差异。而通过达成货币互换协议，两个国家之间可以进行货币政策协调，从而使得两国之间的经济更加协调和稳定。

总的来说，货币互换协议是一种重要的金融工具，可以促进双边贸易和投资，并帮助两国之间进行货币政策协调。

英文：

What is a currency swap agreement?

A currency swap agreement is an agreement between two countries that outlines the exchange rate and terms for exchanging domestic currencies. These agreements are typically reached when two countries enter into trade or investment cooperation agreements to address currency exchange issues.

The core purpose of a currency swap agreement is to promote bilateral trade and investment. In the context of trade and investment between two countries, typically different national currencies are used for payment and settlement. Due to different exchange rates between currencies, a currency swap agreement can stipulate the exchange rate, terms, and other provisions for the exchange of currencies between two countries, making trade and investment more convenient and stable.

Furthermore, a currency swap agreement can assist in monetary policy coordination between two countries. In some cases, the monetary policies of two countries may differ, resulting in differences in interest rates, exchange rates, and other economic indicators. By reaching a currency swap agreement, two countries can coordinate monetary policies, making the economies of the two countries more harmonious and stable.

Overall, a currency swap agreement is an important financial tool that can promote bilateral trade and investment and assist in monetary policy coordination between two countries.