Bank acceptance bill
银行承兑汇票分为两种，一种是纸质汇票，另外一种是电子汇票。一般情况下，纸质汇票更长有效期为6个月，电子汇票更长有效期为12个月。它使用方式灵活，可以通过背书的方式转让给他人。同样的商业承兑汇票与银行承兑汇票类似，只是承兑人不同罢了。
Bank acceptance bill is divided into two types, one is paper draft, the other is electronic bill. In general, the longest validity period of paper bill is 6 months, and that of electronic bill is 12 months. It can be used flexibly and can be transferred to others by endorsement. The same commercial acceptance bill is similar to bank acceptance bill, but the acceptor is different.
银行本票
Bank note
同承兑汇票一样，银行本票也分为两种：不定额和定额。不定额本票是指票据上的金额栏是空白的，签发时根据实际情况和要求进行填写，但不能低于100元。而定额本票分为1千元，5千元，1万元和5万元四种。很多同一票据交换区域内的企业和个人，都会采用银行本票的方式进行结算。但需要注意的是，银行本票的付款期限为自出票日起更长不超过2个月。
Like the acceptance bill, there are two kinds of promissory notes: non fixed and fixed. Irregular promissory note refers to that the amount column on the bill is blank, which shall be filled in according to the actual situation and requirements when it is issued, but it shall not be less than 100 yuan. However, there are four kinds of fixed promissory notes: 1000 yuan, 5000 yuan, 10000 yuan and 50000 yuan. Many enterprises and individuals in the same clearing area will settle accounts by promissory note. However, it should be noted that the payment term of bank promissory note is no more than 2 months from the date of issue.
支票
Check
常见的支票有三类：能够提取现金的现金支票，可以用于转账的转账支票，提现和转账功能兼备的普通支票。一般来说，支票的提示付款期限为10天，且多用于同城支付。这里多说一下，办理支票时，一定要带全企业的所有相关印章，以备不时之需。购买支票时，可以直接从企业账户中扣除费用。
There are three common types of checks: cash cheques that can be used to withdraw cash, transfer cheques that can be used for transfer, and ordinary checks with both cash withdrawal and transfer functions. Generally speaking, the time limit of presentment for payment of cheques is 10 days, and it is mostly used for intra city payment. Here more to say, when handling cheques, you must bring all the relevant seals of the whole enterprise in case of unexpected needs. When you buy a check, you can deduct the expenses directly from the enterprise account.
银行汇票
Bank draft
这种结算方式应该区别于银行承兑汇票。银行汇票是人将款项先交存在银行，由出票银行签发，由其在见票时按照实际结算金额，无条件支付给收款人或者持票人的款项的票据。它适用于先收款后发货的商品，和钱货两清的商品。虽然个人和企业都可以使用，但是企业不可以用于提现。
This settlement method should be different from bank acceptance bill. A bank draft is a bill that the remitter deposits the money in the bank first, and is signed and issued by the issuing bank, and then unconditionally pays the money to the payee or the holder according to the actual settlement amount at sight. It is applicable to the commodity transaction of receiving before delivery, and the commodity transaction of clearing both money and goods. Although both individuals and enterprises can use it, enterprises can not use it to withdraw cash.
汇兑
exchange
相对来说，汇兑结算方式较为简单。汇兑是人委托银行将其款项支付给收款人的结算方式，具体分为信汇和电汇两种。但是与其他结算方式不同的是，汇兑结算更适用于异地之间的各种款项结算。
Relatively speaking, the exchange settlement method is relatively simple. Remittance is a settlement method in which the remitter entrusts the bank to pay its money to the payee, which can be divided into letter transfer and telegraphic transfer. But different from other settlement methods, exchange settlement is more suitable for all kinds of settlement between different places.
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