经济学视角下的信用证审单标准

长期以来，人们一直从纯法律的角度审视信用证审单标准问题，其效果并不理想。从法律经济学的视角来考察信用证审单标准问题，以福利最大化与成本最低化为分析原则，通过效益分析的手段，对镜像标准、实质相符标准、双重标准（又称中间标准）、严格相符标准进行逐项解析，最终得出严格相符标准最符合福利最大化与成本最低化的结论，以期加深人们对信用证法律特性的理解。

Standards of Banking Examination of Documents in Letter of Credit from the Perspective of Economics

For a long period of time, people have been examining the document checking standard of Letter of Credit （L/C） from a purely legal angle, but always received dissatisfactory results. This paper discusses this from the perspective of Economics of Law, under the principle of maximizing the welfare and minimizing the costs and by the means of benefit analysis. The paper analyzes the Mirroring Standard, the Substantial Standard, and the Substantial Standard and the Bifurcated Standard （i. e. the Middle Standard） one after another, and eventually draws a conclusion that the Strict Compliance Standard is exactly the one to maximize the welfare and minimize the cost. The conclusion is expected to deepen people＇s understanding of the legal characteristics of L/C.