Bills of exchange, also referred to as bills, are essentially a short term credit instrument that can be used by a company either for financing or investment. Bills can be issued for any term up to a year and are generally issued for periods of less than 6 months. Companies issue bills because they are a convenient form of borrowing. The difference between bills and a standard loan is that bills held by the bank can sold to investors. Bills with terms of 30 days to 90 days are the easiest to trade? Bills are usually an ideal loan because a company generally will not run into any problems within 3 to 6 months.

　　匯票，也叫票據，主要指一種可用作公司籌資或投資的短期信用票據。匯票的使用期限可以是一年以內的任何期限，但通常在六個月以內。公司簽發匯票是因為它們是借款的捷徑之一。匯票與正常貸款之間的差異在于銀行可將持有的匯票賣給投資者。期限為30到90天的匯票最容易出手。匯票通常是最理想的貸款，因為公司一般在3到6個月的時間內出問題的幾率很低。

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