银行付款信用证[Credit Payable’with a Bank] 付款信用证的一种。汇票付款人为银行的一种信用证。该种信用证由银行直接对出口商提交的汇票承担付款的责任。汇款付款的银行，可以是进口地的开证行，也可以是其他地点的付款行。
全球信贷紧缩更加剧了进出口这样的同时下跌，因为信用紧缩使得买家很难从银行获取保证付款的信用证。
The slump in both exports and imports was exacerbated by the global credit freeze, which has made it harder for buyers to get letters of credit to guarantee payment.
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.
出口商日益要求海外的买家向银行申请信用证，以确保买家在付款之前破产还有银行帮忙支付。
Exporters are increasingly demanding that overseas buyers obtain letters of credit from Banks, ensuring that the bank will pay for the goods if they buyer goes bankrupt before making payment.
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