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挑战　　在规模高速增长的同时，信用证业务的风险挑战逐步显现。　　在周敏智看来，随着国内外贸易的发展，信用证业务契合了企业的融资需求。虽然信用证开证量大，但二级市场交易少，与票据相比，信用证实际上一二级转化率并不高。随着信用证业务的快速发展，加之监管部门对其重视程度相应会提高，未来或将对信用证业务的监管政策进行完善。　　一些银行机构呈现的“票转证”现象，是否代表着信用证未来超越票据的大趋势？　　对此

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