现代信用证在19世纪后半叶开始采用，第一次世界大战后得到了实质性的发展。

现代信用证在19世纪后半叶开始采用，第一次世界大战后得到了实质性的发展。
【正确答案】：Modern credits were introduced in the seconal half of the 19th century and had substantial development after the First World War