可以看到这样一种状况，当下国内外贸企业和国外的多数用户业务往来时，都会首选信用证结汇，为何信用证结汇方式会成为当下多数外贸企业的首选呢?
之所以多数企业会将这种结汇方式作为首选，是因为其便捷并且在安全性方面更高，这种结汇方式是银行在买卖双方之间保证付款的凭证，在这种结算方式中，产品购入方企业会将申请书提交给银行，银行在收到这样的申请之后，会为产品外贸销售方企业开具保证付款的信用证，这一过程之中产品销售方企业只要提交符合信用证要求的相应单据，在这笔交易中银行就会为产品外贸销售企业支付款项。
例如：
Mr. John
previously mentioned in your reply that we would like to get a 10% discount on the purchase of these office products, and the Board of Directors of our company has agreed to your request after a decision has been made. The products you purchased this time include 1500 sets of Presidentundefineds desk and chair, 1300 sets of managerundefineds middle shift, 1450 sets of financial office, 160 sets of staffundefineds screen office, 340 sets of conference room and meeting room, and 250 sets of negotiation desk and chair in reception room. The front desk office chair 450 sets, the training room training table chair 670 sets, the office sofa series table and chair 470 sets, file cabinet 1750, the office cubicle wall glass partition 1750 sets. Earlier, in the exchange of letters, you mentioned that you would like to take the form of sea transportation during the course of transportation of this product, and the shipping charges are required to be borne by our company, as you have been given the most favorable discount in the sale of this product. Therefore, we hope that the related expenses will be borne by your company, and the insurance costs of our products will be borne by us. As our business has been busy in recent years, the related payment methods have been convenient route, we hope you can conclude this transaction by letter of credit.
约翰先生
此前在贵公司的回函中谈到这批办公产品购入希望获得10%的优惠，我公司董事会经过决以后，已同意贵公司的这一要求。
贵公司本次购买的产品有总裁大班桌椅1500套，经理中班桌椅1300套，财务办公桌椅1450套，员工屏风办公桌椅160套，会议室会议桌椅340套，洽谈接待室洽谈桌椅250套，前台办公桌椅450套，培训室培训桌椅670套，办公沙发系列桌椅470套，文件柜1750个，办公室隔间墙玻璃隔断1750套。
此前在信函往来中，贵公司提到在本次产品运输途中希望采用海运形式，而海运费用要求我公司承担，由于此次产品销售中给贵公司打了最大优惠折扣，所以在本次产品运输中相关费用希望由贵公司自行承担，在本次产品运输中我公司所销售的产品保险费用可由我方承担。由于我公司近年来业务较为繁忙，因此相关付款方式一直走便捷化路线，希望贵公司通过信用证方式达成本次交易。
从如上案例中可以看到，该外贸企业还是比较含蓄的，而另外一些企业在外贸交往中则会明确注明使用信用证交易，例如：
Mr. Berg
and our company have reached a preliminary consensus on this product transaction. At present, the only controversial issue is the issue of payment methods. You hope to complete the transaction by means of letter and remittance. Our company has chosen the L / C settlement method in its recent transactions. This is the only settlement method used by our company in our business transactions at present. The products produced by our company have recently sold a lot of goods in the European and American markets. We hope you will reach an agreement with us as soon as possible and we will ship the goods before December 25 th.
伯格先生
对于这次产品交易，贵方公司和我方公司已初步达成共识，目前唯一具有争议的是支付方式问题，贵方希望通过信汇方式完成交易，而我方公司在近期的交易中都选择了信用证结算方式，这是目前我公司在业务往来中唯一使用的结算方式，本公司所生产的产品近期在欧美市场销量庞大，希望贵公司尽早与我公司达成共识，我公司会在12月25日之前发货。
从如上的这一信函中可以看到，该外贸公司是非常强硬的，告知对方公司，己方既不接受信汇也不接受电汇，交易完成方式只选择信用证，如买方公司在本次交易中不选择信用证，则不会和其公司达成业务往来关系。
从如上案例中可以看到，多数的外贸企业在和海外公司洽谈时多以信用证为主，以增强自身在交易中的安全，但在措辞时却各有不同，有些公司比较含蓄，而有些公司直截了当，之所以会出现这样的差异，是因为市场交易特点所决定的，在第一个案例之中必然是处于买方市场，而在第二个案例中必然是处于卖方市场，但不论是买方占据主导权，还是卖方占据主导权，外贸销售方企业在产品交易中都应该重点考虑到交易安全性问题，避免此后在交易中公司财产蒙受不必要损失，对于交易中的付款方式要慎之又慎，最近几年新建外贸企业数量众多，而在这其中交易被骗企业也不在少数，问题多出在付款方式上。