中文：

银行本票是一种由银行签发的，承诺在见票时无条件支付确定金额给收款人或持票人的票据。它是货币债务的证券化形式，是出票人向持票人签发的，承诺在见票时无条件支付确定金额给收款人或持票人的票据。银行本票分为转账本票和现金本票，转账本票是通过银行转账的方式完成支付，而现金本票则是可以提取现金的。

银行本票的优点在于其使用方便、快捷、灵活，可以在不同的城市和地区进行结算，不需要通过银行转账，直接交付给对方即可。同时，银行本票的信誉度高，由银行作为担保，安全性较高。

在办理银行本票时，需要向银行提交申请，提供相关证件和信息。银行会对申请进行审核，确认申请人的身份和资信情况，并收取一定的手续费。在签发银行本票时，出票人需要填写相关内容，包括票据的名称、金额、收款人名称等，并在票据上签字盖章。持票人在收到银行本票后，需要妥善保管，并在规定的时间内向出票人提示付款。

英文：

A bank passbook is a kind of bill issued by the bank, which promises to pay the specified amount to the payee or the bearer without condition at the time of sight. It is a form of securitization of monetary obligations and is issued by the drawer to the payee. The bank passbook is divided into a transfer passbook and a cash passbook. The transfer passbook is paid through bank transfer, while the cash passbook can be cashed.

The advantages of the bank passbook lie in its convenience, speed, and flexibility, which can be used for settlement in different cities and regions without the need for bank transfer. At the same time, the bank passbook has a high reputation and high security, with the bank acting as a guarantor.

When applying for a bank passbook, you need to submit an application to the bank, provide relevant documents and information. The bank will review the application, confirm the identity and credit status of the applicant, and collect a certain service fee. When issuing the bank passbook, the drawer needs to fill in the relevant content, including the name of the bill, amount, name of the payee, etc., and sign and stamp it. After receiving the bank passbook, the bearer needs to keep it properly and present it for payment to the drawer within the prescribed time limit.