跟单信用证的出现使得国际贸易中银行信用代替了商业信用。然而,银行信用却良莠不齐,有银行之名者,未必信誉卓著。纵为极有名望的大银行,由于不在自己国内,受益人也不一定十分了解其信用情况。更兼国际金融市场风云变幻,银行的兼并、倒闭时有发生,这就需要受益人信赖的另一银行承担与开证行同样的责任,即对信用证加具保兑。如此,受益人便可更加放心地进行贸易,而无开证行信用不明,甚至战争、外汇管制或其他风险致货款收回无着之忧。有些公司为了出口后便能得到无追索权的资金,也希望本地的银行加具保兑。 With the emergence of Documentary Credits, bank credit in international trade replaced commercial credit. However, bank credit is mixed, with the name of the bank may not be reputable. Long as a prestigious big bank, because they are not in their own country, the beneficiaries may not necessarily fully understand their credit conditions. Even more, the ever-changing international financial markets and the mergers and failures of banks have taken place. This requires that another bank trusted by the beneficiaries bear the same responsibility as the issuing bank, that is, with the confirmation of the L / C. In this way, the beneficiaries can trade more assuredly without the credit unidentified by the issuing bank, and even the wars, foreign exchange controls or other risks caused by the purchase of goods without any worries. Some companies can obtain non-recourse funds for export, and they also hope that local banks will add confirmations.