下列国际结算方式中，具有融资功能的是（）。

2023-05-25

A.信用证
B.汇款
C.跟单托收
D.光票托收

参考答案：A

商业银行主要的贸易融资工具包括：信用证、押汇、保理和福费廷。其中，信用证是指银行有条件的付款承诺，即开证银行依照客户（开证申请人）的要求和指示，承诺在符合信用证条款的情况下，凭规定的单据向第三者（受益人）或其指定人进行付款，或承兑；或授权另一家银行进行该项付款，或承兑；或授权另一家银行议付。

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