huàn'ér​yán​zhī

in other words

  1. to exchange
    to exchange; to trade; to switch; to convert currency
  2. 而言 ér​yán preposition
    with regard to
    (bound form) as far as something is concerned; used after words like jiù or duì to define the scope of a statement.
  3. zhī pronoun
    it
    Used only in the object position to refer to a person or thing already mentioned, meaning "him", "her", "it", or "them".