信用证(L/C---lettle of credit)是一种有条件的银行付款承诺，承担第一付款责任，是一种银行信用，代替买卖双方负责付款和提交单据，对进出口双方（特别是彼此不熟悉的客户）的利益较有保障。
In L/C transaction, the banker is responsible to pay money and tender documents on behalf of both parties.
这包括银行拒绝任何转让请求的权利，特别是(有关本质疑中的问题)已转让信用证也要标明是可以转让的请求。
This would include the right of the bank, subject to this query, to decline any request for transfer, especially where the transferred credit was also designated to be transferable.
尽管信用证特别要求提供的保险证明或预保单项下的保险声明，但银行仍可接受保险单以取代保险证明或和保险声明。
If a Credit specifically calls for an insurance certificate or a declaration under an open cover, Banks will accept, in lieu thereof, an insurance policy.
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