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在国际商务活动中，交易者出于清偿债权债务、获得融资便利、降低交易成本、规避风险等诸多考虑，对金融服务的要求日趋综合化。备用信用证（StandbyLetterofCredit）这一集担保、融资、支付及相关服务为一体的多功能金融产品，因其用途广泛及运作灵活，在国际商务中得以普遍应
In international business activities, traders pay more attention to financial services due to the consideration of paying off debt and debt, facilitating financing, reducing transaction costs and avoiding risks. StandbyLetterofCredit This multifunctional financial product that integrates guarantee, financing, payment and related services is widely used in international business because of its wide range of uses and flexible operation.