After a company obtains foreign exchange borrowings from a bank or overseas, it does not directly use foreign exchange funds, but instead remits foreign exchange to the bank and obtains RMB funds for use. This phenomenon is called loan substitution. According to the above definition, which of the following is a loan substitution? ['After RMB appreciation, some companies have reduced RMB liabilities, increased foreign exchange liabilities, and then invested in RMB.', 'The domestic economy is overheating, and commercial banks are tight in issuing RMB loans. A trading company turned to foreign bank loans for financial reasons to obtain foreign currency funds.', 'Wang Ming felt that the RMB interest rate was higher than the US dollar, so he applied for a US dollar loan and then remitted the foreign exchange to the bank to obtain RMB funds.', 'Xiaoyu went to the bank to exchange some foreign currency after travelling abroad. After going abroad, he used a credit card to settle and returned to pay in Renminbi.']