bank drafts:银行票据 Notes :票据 setllement:清算 off-balance-sheet:资产负债表,表外业务 intermediary business:中间业务 cashier‘s checks:银行本票 direct credit transfer:直接贷记转账 direct debit transfer:直接借记转账 Clearing House Automated Transfer System:票据交换自动转移系统 collection clearing:收款清算 letter of credit :信用证 electronic funds transfer system :电子资金转换系统 so that greatly accelerate cash flow,lower operating expenses