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【多选题】
信用证打包贷款的业务流程,步骤正确的是( )A.
进口商与出口商签订买卖合同，并约定使用信用证方式进行结算。
B.
出口商将收到的信用证副本提交往来银行，申请打包贷款融资。
C.
在单证相符前提下，开证行履行付款责任。
D.
打包贷款银行收到开证行付款后，扣除贷款本息后，把多余款项借记出口商账户。
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