【中文版】

汇票是一种由出票人签发的，委托付款人在见票时或者在指定日期无条件支付确定的金额给收款人或者持票人的票据。它是国际结算中使用最广泛的一种信用工具。

汇票具有以下特点：

1. 无条件支付：汇票的付款人必须按照汇票上记载的事项进行支付，不得以任何理由拒绝支付。
2. 提示付款：收款人或持票人需在汇票到期时向付款人提示汇票，并请求其支付款项。
3. 远期汇票：汇票上记载有付款日期，并在该日期到来前进行支付的汇票称为远期汇票。
4. 即期汇票：汇票上未记载付款日期，在提示付款时立即进行支付的汇票称为即期汇票。
5. 承兑汇票：由付款人签名并盖章确认的汇票称为承兑汇票。承兑汇票通常在到期时才进行支付。
6. 银行汇票：由银行签发的汇票称为银行汇票。银行汇票通常用于银行之间的结算。
7. 商业汇票：由企业或个人签发的汇票称为商业汇票。商业汇票通常用于企业之间的贸易结算。

总的来说，汇票是一种方便、灵活且高效的支付工具，广泛应用于国际贸易、投资和金融等领域。

【英文版】

A bill of exchange is a negotiable instrument issued by the drawer, which authorizes the payee or the bearer to demand payment of a specified sum of money from the drawee on demand or on a fixed date. It is the most widely used credit instrument in international settlement.

The characteristics of a bill of exchange include:

1. Unconditional payment: The drawee must pay the amount specified in the bill of exchange without any reason for refusal.
2. Presentment for payment: The payer or the bearer needs to present the bill of exchange to the drawee on the due date and request payment.
3. Time bill: A bill of exchange with a specified payment date is called a time bill, which is paid before the due date.
4. Demand bill: A bill of exchange without a payment date specified is called a demand bill, which needs to be paid immediately when presented for payment.
5. Accepted bill: A bill of exchange signed and certified by the drawee is called an accepted bill. The accepted bill is usually paid only when it matures.
6. Banker's bill: A bill of exchange issued by a bank is called a banker's bill. The banker's bill is usually used for settlement between banks.
7. Commercial bill: A bill of exchange issued by an enterprise or an individual is called a commercial bill. The commercial bill is usually used for trade settlement between enterprises.

In general, a bill of exchange is a convenient, flexible and efficient payment instrument widely used in international trade, investment and finance.