【中文版】

结汇是指外汇收入者将其外汇收入出售给外汇指定银行，由外汇指定银行支付等值本币的行为。通常情况下，在国际贸易中，当出口商将货物装运到买方指定地点并收到货款时，就可以向银行提交结汇申请，银行会按照当天的汇率将外汇兑换成本币，从而完成交易。

结汇的目的是为了实现货币的兑换和价值的转移。在国际贸易中，由于不同国家的货币不同，交易双方需要进行货币兑换才能完成交易。通过结汇，出口商可以将收到的外币兑换成本币，进口商则可以将本币兑换成外币，从而完成交易。

结汇的方式有多种，包括电汇、信汇、票汇等。其中，电汇是最常用的一种方式，它是指通过电报或电传的方式将外汇收入转移到外汇指定银行账户上，再由银行按照当天的汇率将本币支付给收款人。

总之，结汇是国际贸易中不可或缺的一个环节，它实现了货币的兑换和价值的转移，促进了国际贸易的发展。

【英文版】

Exchange is the act of selling foreign exchange earnings to a designated foreign exchange bank, who will pay an equivalent amount of local currency. Typically, in international trade, when the exporter ships the goods to the buyer's designated location and receives the payment, they can submit an exchange application to the bank, and the bank will exchange the foreign currency for the equivalent local currency according to the daily exchange rate, thereby completing the transaction.

The purpose of exchange is to achieve currency conversion and value transfer. In international trade, due to different currencies in different countries, both parties need to perform currency conversion to complete the transaction. Through exchange, exporters can convert the received foreign currency into local currency, while importers can convert the local currency into foreign currency, thereby completing the transaction.

There are various methods of exchange, including telegraphic transfer (T/T), mail transfer (M/T), and bill of exchange (D/D). Among them, T/T is the most commonly used method, which refers to transferring foreign exchange earnings to the designated foreign exchange bank account through telegram or telex, and then the bank pays the local currency to the payer according to the daily exchange rate.

In summary, exchange is an essential link in international trade that achieves currency conversion and value transfer, thus promoting the development of international trade.