商务与贸易
信用证 (LC)
摘要
银行开具的付款担保文件，国际贸易用于保护买卖双方。
详细解释
A Letter of Credit (LC) is a payment mechanism where the buyer's bank guarantees payment to the seller once specific documentation is produced (typically the Bill of Lading plus the commercial invoice). Common for large orders ($500K+) where both parties want security. Sight LC pays immediately upon document verification; usance LC (30/60/90 days) adds buyer credit period. Typical bank fees: 1-2% of invoice value. Alternative: TT (Telegraphic Transfer) — direct wire transfer, faster but less secure for large unknown counterparties.