An LIC is a tool or instrument of payment, and the payment is guaranteed by a bank. 信用证是一种支付工具，付款由银行担保。
Members examined the question of whether some form of backing requirement should be introduced for electronic payment instruments that were close substitutes for cash. 委员会成员考虑了应否规定这些近似现金的电子支付工具需要某种形式的支持这个问题。
