中文：

银行本票是一种常见的票据，用于在银行系统内进行转账和结算。那么，什么时候使用银行本票呢？

首先，当企业需要支付大额款项时，如果对方企业没有银行账户或者无法使用其他电子支付方式，银行本票就成为了一种可靠的支付方式。企业可以开具银行本票，将款项直接支付给对方企业，确保资金安全。

其次，银行本票还可以用于异地结算。当企业需要在不同城市之间进行资金结算时，使用银行本票可以避免受到不同银行之间的限制和繁琐的手续。因为银行本票可以在任何银行进行兑付，使得企业可以更加便捷地进行资金调度和结算。

最后，银行本票还可以用于一些特定的场合。例如，在招投标过程中，投标方可以将银行本票作为保证金交给招标方，以确保自己的投标有效。此外，银行本票还可以用于购买房产等大宗商品，作为一种可靠的支付方式。

总的来说，银行本票是一种非常实用的支付和结算工具，适用于不同的场景和需求。但是，使用银行本票时需要注意一些细节问题。例如，要确保本票的真实性和合法性，避免受到诈骗和风险。同时，还需要了解相关的法规和规定，遵守相关规定并妥善保管本票凭证。

英文：

Banker's draft is a common instrument used for转账and settlement within the banking system. So, when should we use a banker's draft?

Firstly, when a company needs to pay large sums of money, if the other party does not have a bank account or cannot use other electronic payment methods, a banker's draft becomes a reliable payment method. The company can issue a banker's draft and pay the款项directly to the other party to ensure the safety of the funds.

Secondly, the banker's draft can also be used for cross-regional settlement. When companies need to settle funds between different cities, using a banker's draft can avoid restrictions and cumbersome procedures between different banks. Because the banker's draft can be presented for payment at any bank, it allows companies to more easily conduct fund scheduling and settlement.

Finally, the banker's draft can also be used in some specific situations. For example, in the bidding process, bidders can submit a banker's draft as a deposit to the tendering party to ensure that their bid is valid. In addition, the banker's draft can also be used to purchase large-ticket items such as real estate as a reliable payment method.

Overall, the banker's draft is a very practical payment and settlement tool suitable for different scenarios and needs. However, there are some details to pay attention to when using the banker's draft. For example, it is necessary to ensure the authenticity and legitimacy of the draft to avoid fraud and risks. At the same time, it is also necessary to understand the relevant regulations and rules, comply with relevant regulations, and properly keep the draft voucher.