Most commercial letters of credit are documentary, meaning that certain documents must be included with any drafts drawn under t

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问题     Most commercial letters of credit are documentary, meaning that certain documents must be included with any drafts drawn under the terms of the credit. Documents required usually include an order bill of lading, a commercial invoice, and any of the following: consular invoice, insurance certificate or policy, certificate of origin, weight list, packing list.
    The first is the standby letter of credit, in which the issuing bank undertakes to pay if the applicant does not carry out his obligations. Documents normally called for are evidences of the underlying transaction, such as non-negotiable copies of bills of lading, or third party’s certificate certifying the non-payment by the applicant. The second is the indemnity for minor discrepancies in the documents given to the shipping company so that the issuing bank may make payment or the shipping company may release goods to the applicant.
Under a standby letter of credit, ______.

选项 A、evidences of the underlying transaction should be filed first
B、the applicant may be exempted from any liabilities
C、the issuing bank has to pay the beneficiary
D、the issuing bank should pay when the applicant fails to fulfill his obligations

答案D

解析 文章第二段提到The first is the standby letter of credit...carry out his obligations。在备用信用证条款下,只有当申请人不履行条款中所付的责任时,开证行才承担责任。
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