请简述银行汇票的定义及特点，段落数：2，句子数：2，中英文对照
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银行汇票是由银行发行的一种支付工具，用于跨行或跨地区的资金结算。

Bank drafts are a form of payment instrument issued by banks for cross-bank or cross-regional fund settlements.

其特点包括安全性高和流通性强，广泛应用于商业交易中。

Their characteristics include high security and strong liquidity, widely used in commercial transactions.
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