为了保障各方权益,确保银行与客户顺利使用信用证进行结算和融资,银企双方应该注重专业能力的提升与风险意识的培养,切实防范信用证表意不明条款隐藏的风险。信用证中的表意不明条款,即指信用证文本中措辞混乱、词不达意,导致含义模棱两可或自相矛盾的条款。信用证是银行审单的基础,表意不明的条款会使银行单证业务人员与出口企业在理解上产生分歧,对单据不符点是否成立或单据的处理方式产生争议,从而增加银行的操作风险与出口企业的收汇风 In order to protect the rights and interests of all parties and ensure the smooth use of letters of credit by banks and customers for settlement and financing, both banks and enterprises should pay attention to the improvement of professional capabilities and the cultivation of risk awareness so as to effectively prevent the risks hidden by the unidentified letters of credit. The unidentified provision in the letter of credit, which means that the wordings in the letter of credit are confusing and the words are not satisfactory, lead to ambiguous or contradictory clauses. The letter of credit is the basis of the bank trial, the unidentified terms will make the bank document business staff and export enterprises in the understanding of disagreement, the discrepancies in the document is established or the handling of the documents have a controversy, thereby increasing the bank’s operational risk and Export business wind collection