托收分为光票托收和跟单托收两种。光票托收是指金融单据不附带商业单据的托收，即仅把金融单据委托银行代为收款。跟单托收是指金融单据附带商业单据或不用金融单据的商业单据的托收。
在合同规定货到付款或银行托收的条件下，卖方有时会损失钱财。
The seller can sometimes lose money in a contract that stipulates payment after the arrival of goods or by bank collection.
凡未经划线之支票或经普通划线之支票送交银行托收，该银行可作特别划线，划予其本行。
Where an uncrossed cheque, or a cheque crossed generally, is sent to a banker FOR collection, he may cross it specially to himself.
汇付和托收属于商业信用，信用证属于银行信用。
Remittance and collection belong to commercial credit. Letter of credit belongs to banker's credit.
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