南yi-
payee can be restricted to a specified party only(e.g.,"Pay ABC Comany only").Such a draft will not be negotiable.
收款人需要严格被限定为具体的一方比如“限付至ABC公司”. 这样的汇票不可用来议付。
A draft can also be made a "to order" instrument. For example, under payee,the phrase "pay to the order of ABC Company " can be used. Such a draft will be transferable with the endorsement of the payee. If the payee is made "to beaer", no endorsement is needed for transfer.
汇票也可以做成空白台头。如在收款人项下，写“由ABC公司制定”就可以。这种汇票由收款人背书后可以转让。如果收款人为持有人，则无需背书即可转让。
Presentation 交单
Presentation means the holder of the draft letsthe drawee sight the draft for payment or acceptence, depending on wether a sight draft or time draft is presented.
交单意味着汇票持有人把汇票交给收款人过目、付款或承兑，这要看议付的是即期汇票还是远期汇票。
Acceptance承兑
If a usance draft is presented, the drawee takes up the obligation of payment when the draft becomes due by putting the word "accepted", his signature and the date of acceptance on the face of the draft. The accepted draft will be returned to the holder who will re-present it for payment when it is due.
如果交单的单据是汇票，到汇票到期时，付款人承担起付款的责任。在汇票正面加注“承兑”字样并签字，填好签字日期。承兑的汇票重新回到持有人手中，到期时向银行提交得到付款。
Payment支付
For a sight draft , the drawee will pay the amount on the draft immediately when it is presented. For a usance draft , the drawee will pay when it is due .
对于即期汇票，付款人见票即付。如果是远期汇票，则等到汇票到期时再支付。
Dishonored bills and protests 坏票与拒付
Sometimes the drawee refuse or is unable to pay or to accept a draft ,this draft is then called a "dishonored bill".
有时付款人拒绝或没有能力承兑汇票，此时，这样汇票被称作坏票
If a draft is dishonored , the holder of the draft can exercise his right of resouse and ask the drawer or the endorser to pay the draft amount. However, the holder must obtain a "certificate of protest" from a notary public, a law court or other institutions that have been authorized by law to issue such a certificate to certify the dishonor of the draft. The certificate includes the date and place of the first presentation, and the statement that the drawee refuse to pay or accept. This is a legal procedure to register officially that the draft presented for payment or acceptance has been dishonored by the drawee.
遇见坏票，持有人可以行使追索权，要求出票人或背书人代为支付。但持票人必须事先得到公证机构、法庭或其他法律规定允许出具的“拒付证明”以及付款人拒绝支付和承兑汇票的证明。该证明要注明首次交单的地点和日期，证明付款人拒绝承兑或支付。这是法律程序，证明该汇票已经被付款人沦为坏票。
After he has obtained the certificate of protest, the holder can present the draft the second time. If the drawee still refuse to pay, the certificate can be published in trade journals in some counties. The possibility of publishing the certificate of protest gives the drawee some pressure to pay; otherwise, his commercial creditability will be damaged in the business community.
得到拒付证明后，持有人可以进行第二次交单。如果付款人仍然拒绝支付，在某些国家，可以在当地企业杂志上曝光，这可能给付款人某些压力，如果还不付款，他在圈子里的商业信誉就会被毁掉。
However, the exporter should remember that a protest dose not ensure payment and further legal actions might be needed. Besides, protesting is expensive and it may also affect an ongoing relationship with an importer.
但是，出口公司应该记住抗辩并不能保证得到付款，还要采取其他法律手段。此外，抗辩也要费钱，还可能影响与买方的现有关系。
cloud123-
注：按行分段的，对应着看~
汇票的使用是一个过程，在此过程中出票人制定汇票内容条款，例如：受票人、金额、收款人,日期,地点的付款方式等。
收款人可以限制只能指定一方 （例如："只付 ABC 公司")，这一汇票不会可议付。
汇票还可以制成指示性票据，例如：根据收款人可规定条款：“付给指定的ABC公司”，该汇票的转让需得到收款人的背书。但如果收款人是“to bearer(这应该是你打错了)”，则不需要背书。
提示
提示是指持票人出示汇票，根据出示汇票是即期汇票或远期汇票，使付款人付款或承兑。
承兑
若果出示的是远期汇票，付款人在签署“承兑”字样后将负有付款义务。其签名和承兑日期要表明在汇票正面，已经承兑的汇票后将重新由汇票持有人持有。
好啦，我下班要回学校了，先写到这~
苏萦-
直接谷歌啊