【答案解析】There are three methods of money transfer provided by banks: {{B}} Draft:{{/B}} —A draft is an order in writing, made out to a person other than the maker, instructing him to pay a certain sum of money to a named person called the payee. It is also called a "bank draft" or "banker's cheque". —A draft can be sent by mail or handed over directly to the payee by the customer. {{I}} —the process of a draft handling:{{/I}} -A request from a customer to a banker to issue a draft to a recipient overseas; -The draft drawn by the drawer bank on the drawee bank for the transaction of the draft; -The drawer advises the drawee of the issue of the draft and informs the drawee bank to pay the payee when the draft is presented for payment. {{I}} —The features:{{/I}} -A draft sent by the customer is the least expensive, but is the slowest form of transmission. -The customer bears the risks of theft, destruction or loss in the mail system when the draft is sent by the customer himself. {{B}} Mail transfer:{{/B}} Mail transfer is an instruction given by one hank to another, based on the request of the customer. {{I}} —The way to transfer :{{/I}} -a written draft; -internal communication system. {{I}} —The banks involved:{{/I}} -the remitting bank: the hank which instructs another bank to make payment to the nominated recipient; -the advising bank: the bank which receives the instruction from the remitting bank. {{I}} —The process of mail transfer:{{/I}} -The request from a customer to the remitting hank to transfer the money; -The remitting bank will send a statement to the advising bank and tell it the exact amount being transferred, the name of the payee and his address; -The advising bank will inform the nominated recipient and check the recipient's identity and then release the funds. {{I}} —The features of the mail transfer:{{/I}} -It is a little safer. -The speed is low. -It could also be delayed, destroyed or even stolen. -Such delay involves additional interest payment. {{B}} Telegraphic transfer:{{/B}} —It is an authenticated order given by the remitting hank to the advising bank to which it is addressed to make available specified funds to a named recipient. —The way to transfer: cable or telex. —The process of the telegraphic transfer: -The request from a customer to the remitting bank; -The remitting bank will send a statement to the advising bank through cable or telex which contains a "test-key"; -The advising bank receives the transmission and uses the test-key to verify the genuineness of the telex or cable instruction. And then advises the recipient to collect the funds. {{I}} —The features of the telegraphic transfer:{{/I}} -It is the most expensive way of money transfer; -Fast in speed; -One of the reliable forms of money transfer.