It absolutely would have an effect. Each link into your URL affects MANY ranking factors... It might not be optimal and might not get high marks on some of those ranking factors, but it will likely still affect your URLs rankings in a positive way. For example, it will still pass PR to your page. It will still get counted as an additional inbound link. If it's the only link from that domain to yours then it will increase the number of unique domains linking to yours by 1. If it's a trusted site then it can still pass some amount of domain trust to your domain. If the page where the link is located is relevant to the search phrase, you'll still get credit for a link from a relevant page (Google has patents which they specifically mention looking at the content around a link to determine relevance). Not having great link text only means that it doesn't do as much for helping you ranking for a particular keyword phrase. The link text is keyword agnostic. But it does help you rank a little better for all keyword phrases. Typically there is no such thing as a "bad" inbound link unless you have tons of links from low quality and/or bad neighborhood sites.
If you will try to use your name as an achor text it will not give any good to your site in boosting its rank. Your anchors in any link building tasks you do should be the keywords you want to rank high in the SERP and should be the same keyword that will bring you sales.
You are correct that it "should" contain the keywords you want to rank for... That is what you always want in an ideal world. But you are absolutely incorrect when you say "it will not give any good to your site in boosting its rank." Even links with link text like "click here" help your URL rank for ALL of its keyword phrases. Each inbound link affects LOTS of ranking factors. For example, the PR of your URL is one of Google's 200+ ranking factors. Yes it's a minor factor, but it is a factor and affects your URLs overall ranking for ALL keyword phrases. That link, even though the link text is not great, WILL increase your URL's PR (assuming it is followed). As such, it increases one of the ranking factors for your URL that will help your URL rank for ALL of its keyword phrases. Take a URL on a no name site that ranks on the 2nd or 3rd page at Google for some keyword phrase. If that URL then manages to get a link on the home page of CNN and/or the Wall Street Journal with a link text of "click here", see what it does to your URL's ranking for it's targeted keyword phrase. The URL will likely be on page 1, in the top 1-3, within a few minutes REGARDLESS of the link text. Because those links will affect so many other ranking factors, that it doesn't matter that the link text sucks. Google and other search engines do NOT ignore links because they have bad link text. They still help your URL rank for it's targeted keywords because it affects other non-link text related ranking factors. It just doesn't help AS MUCH as if you had the targeted keyword phrase as the link text.
It will only count as backlink but it won't help increase your rankings for your targeted keyword because you don't include it as your anchor text.
*** sigh *** Google is not only looking at your inbound links' link texts to rank your URL for your targeted keyword phrase. They are looking at ALL 200+ factors each time they rank your URL for a search phrase. Saying such a link won't increase your rankings for your targeted kewyord phrase is like saying domain age, domain trust, domain authority, PR, page load times, and ALL the other non-keyword specific ranking factors do not help your URL rank for your targeted phrase.... which is just plain wrong. The non-keyword specific ranking factors help you rank for all keywords. It doesn't help "as much" as using the targeted keyword phrase in the link text, but it does help. Each time they rank a URL for a keyword phrase they evaluate all 200+ factors to determine how that URL scores on each of the 200+ factors. The factors are each weighted and summed up to come up with an overall score. The page with the best overall score is the one that's going to rank 1st for that keyword phrase.
Thanks for all your replys guys. Cleared my question up. Theres so much I need to learn about SEO it seems. Alex
I can say always use your major keywords as anchor text so that you can make many backlinks with them and after all you ll get top SERPs in search engine on that keywords.