求翻译：综上所述，汇款和托收以商业信用为前提，信用证以银行信用为前提，三种国际结算方式在安全、便捷等因素上各有优劣，三者之间也不能相互替代。是什么意思？

To sum up, remittance and collection to the premise of commercial credit, letter of credit bank credit, the three international billing methods have their own advantages and disadvantages, safety, convenience, and other factors between the three can not replace each other.

As mentioned above, the transfer and collection to commercial credit, letters of credit for the premise, and 3 credit of international payments in a safe, convenient, and so there are advantages and disadvantages on factor 3, also between each other.

In summary, remits money and commissions to collect on own behalf take the commercial credit as the premise, the letter of credit take the bank credit as the premise, three international settlement ways in the security, convenient and so on in the factors have the fit and unfit quality respectively,

In conclusion, remittances and collection subject to the commercial credit, letter of credit subject to the banking credit, three international settlement on the safety, convenience and other factors have their pros and cons, not interchangeable between the three.

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