When we open a letter of credit with a bank, I'll have to pay a margin. That'll not only tie up our money but also increase our cost.

我们在银行开立信用证时，必须付押金，那将不但会占压了我们的资金，而且还增加了我们的费用。

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It adds a pay for performance overlay that allows the agency to earn up to a 23% margin when meeting a performance criteria that includes Agency Evaluation Score, Specialist Metrics, MarCom Metrics, and Business Performance Metrics.

FORBES: Coca-Cola Is Changing The Way It Pays Agencies

The criticism of them is that they tempt banks, which have to pay a premium to buy the deposits, to make riskier loans to keep a profitable margin.

FORBES: Bad News Banks

Until mid-May, bullion dealers could place gold import orders with a designated bank by paying a margin upfront and the rest on delivery, but a new rule stipulates they pay the entire amount before importing.

WSJ: India May Consider More Steps to Curb Gold Imports