Bills used in international trade settlement are mainly bills of exchange. Foreign exchange receipts and payments between two different countries, whether individuals, units, enterprises or governments, which need to be handled through banks for commodity trading, service provision, fund allocation and international lending, are called international settlement. In international trade, settlement other than loans often occurs to settle the creditor's rights and debts of buyers and sellers, which is international trade settlement. It is based on the settlement of goods and foreign exchange, also known as tangible trade settlement. It is a non-cash settlement system based on bills, conditional on documents, with banks as the hub, and combining settlement and financing.