金融英語聽說U6-

金融英語聽說U6_金融英語聽說U6_金融英語聽說U6_資料僅供參考文件編號(hào)：2022年4月金融英語聽說U6_版本號(hào)：A修改號(hào)：1頁次：1.0審核：批準(zhǔn):發(fā)布日期：Unit6ShortDialoguesMultipleChoiceDialog1W:Morning,sir!WhatcanIdoforyou?M:Wouldyoutellmeaboutthedocumentsneededforthedocumentarycollectionbusiness?W:Allright.Thedocumentsneededforcollectionarethebilloflading,certificateofinspection,certificateofinsurance,andasightdraftforD/PandausancedraftforD/A.M:Whatshouldbestatedinabilloflading?W:Manyitems,ofcourse.Forexample,unitpriceandamountofgoods,portsofloadinganddestination,priceandpaymentterms,latestshipmentdateandvalidityoftheL/C,thenameandaddressoftheshipperandcarrier.Andinthespaceofconsignee,youshouldwritethewords“ToOrder”insteadoftheimporter’sname.Question:WhichofthefollowingisNOTmentionedasthedocumentsneededforthecollectionbusiness(C)譯文女：早上好！先生。需要我們?yōu)槟鲂┦裁磫?/p>

男：你可以給我講講托收需要哪些單據(jù)嗎

女：好。托收需要的單據(jù)有提單、檢驗(yàn)證明、保險(xiǎn)證明，如果是付款交單要有即期匯票，如果是承兌交單要有遠(yuǎn)期匯票。男：提單上應(yīng)該寫些什么呢？

女：當(dāng)然有許多項(xiàng)目。例如，貨物的單價(jià)和數(shù)量，裝運(yùn)碼頭和目的地、價(jià)格和付款條件、最遲裝運(yùn)日期和信用證的有效期、托運(yùn)人和承運(yùn)人的姓名和地址等。而且在收貨人一欄，你應(yīng)該填寫“ToOrder(憑指示交貨)”的字樣，而不是進(jìn)口商的姓名。Dialog2M:Hello,Madam!I’vecheckedtheletterofcredityouadvisedyesterday.Well,I’vefoundthatsometermsandconditionsdonotmatchtheclausesofthesalescontract.Iwanttoordertheissuingbanktomakesomeamendment.Couldyouhelpme,please?W:Noproblem,sir.ButIdon’tthinkyouhavetherighttogiveanyordertotheissuingbank.You’dbetterinformtheapplicantofthematterandnegotiatewithhim,requiringhimtogiveinstructionstohisbanktoamendthecredit.M:Allright.Thankyou.I’llcallhimrightaway.Question:Whataretheytalkingabout

(B)

譯文男：您好，女士。我已經(jīng)檢查了你們昨天通知我的信用證。嗯，我覺得有些條款與銷售合約的條款不相符。我打算指示開證行進(jìn)行修改。您能幫助我嗎

女：沒問題，先生。但我認(rèn)為您沒有權(quán)利對(duì)開證行作任何指示。您最好把有關(guān)問題通知開證申請(qǐng)人，與他協(xié)商，要求他指示他的銀行修改信用證。男：好。謝謝。我馬上給他電話。Dialog3W:Hello,SmithLawOffice.M:Hello,Madam!Iwanttohavesomeadvicefromyou.I’vegotthenoticeofdishonorfrommyremittingbank.WhatshouldIdoifIwanttosuethedraweeforthedishonor?W:Well,youcanrequirethepresentingbanktoprotestthebill.AnotarypublictherewillhelpyouandissueaDeedofProtest.Itwillstatethereasonofdishonorandprovidelegalevidenceofdishonoracceptabletoacourtoflaw.Question:Whatcanwelearnfromtheconversation

(A)

譯文女：您好，史密斯律師事務(wù)所。男：您好，女士。我希望得到您的建議。我收到托收行給我轉(zhuǎn)來的拒付通知書。假如我要起訴受票人拒付，應(yīng)該怎么辦

女：是這樣，您可以要求提示行把票據(jù)做成拒付證書。那里的公證人會(huì)幫助您開立一份拒付證書。拒付證書會(huì)注明拒付的原因，提供符合法律要求的且法庭可以接受的拒付證明。Dialog4M:Excuseme,Madam.WouldyoupleasetellmehowtosendanL/CtomysupplierinaforeigncountryafterIapplyforit?

W:Inbankingpractice,theissuingbankwillsendtheL/Ctoitscorrespondentbankinthecountryofyoursupplier.ThecorrespondentbankwillberequiredtoadvisetheL/Ctothenamedbeneficiary.Youknow,thebankiscalledtheadvisingbank.M:IseethattheL/Cisnotsentthroughthepostoffice.Question:WhowillberesponsiblefortheadviceoftheL/Ctothebeneficiary

(C)

譯文男：您好，女士。麻煩您告訴我怎么把我申請(qǐng)的信用證寄送給外國的供貨商，好嗎

女：按銀行慣例，開證行會(huì)把信用證寄送給供貨商所在國的代理行。開證行會(huì)要求代理行把信用證通知給受益人。您知道，代理行又叫做通知行。男：我懂了，信用證不是經(jīng)過郵局送遞的。ShortAnswerQuestionsScripts&AnswersDialog1W:Excuseme,sir.Pleaseinsertthecompleteaddressandfullnameofthedraweeinthespacehere.M:OK.Thankyou.Isitallright?W:Exactlycorrect,sir.Wouldyoupleasestateherethewayofsendingthenoticeofdishonorintheeventofnon-paymentornon-acceptanceWhichwouldyouprefer,bycableorbymail?M:Eitherbyemailorbyfax,Ithink.WhoonearthsendsmessagesbymailnowHereismyemailaddressandfaxnumber.Question:Whatdoyouthinkthebankwillsendtothemanbyemailorbyfaxaccordingtotheconversation?Thenoticeofdishonor.譯文女：不好意思，先生。請(qǐng)?jiān)谶@里填寫受票人的地址和姓名的全稱。男：好。謝謝您。這樣對(duì)嗎

女：完全正確，先生。請(qǐng)您在這里注明，如果發(fā)生拒付或者拒絕承兌，如何寄送拒付通知。您愿意用哪種方法，電報(bào)還是信件？

男：我想用郵件或傳真?，F(xiàn)在還有誰用信件傳送消息？這是我的郵件地址和傳真號(hào)。Dialog2W:Mr.Green,thebeneficiaryoftheNo.675342L/Chaspresentedthedocumentstoourbankfornegotiation.Whatshallwedonext?

M:WewillcheckthedocumentsagainstthetermsandconditionsoftheL/C.IftheyareOK,wewillnegotiatethedocumentsatcurrentdiscountrate.Thenwe’llsendthedocumentstotheissuingbankforreimbursement.W:Isee.Thankyou.Question:WhatkindofroledoesthebankplayintheL/Cbusinessaccordingtotheconversation?ThebankplaystheroleofanegotiatingbankintheL/Cbusiness.譯文女：格林先生，675342號(hào)信用證的受益人已經(jīng)向我行提示單據(jù)要求議付。我們應(yīng)該怎么做？

男：我們要根據(jù)信用證的條款來核對(duì)那些單據(jù)。如果沒問題，我們就按現(xiàn)行貼現(xiàn)率議付單據(jù)，然后把單據(jù)寄送給開證行要求償付。女：我明白了。謝謝您。Dialog3M:Hi,Jane.I’mtoldthattheimporterwantstoopenarevocabledocumentarycreditinfavorofourcompany.Isthattrue?

W:Exactlytrue.ButIdeclinedtherequest.Youknowthatarevocablecreditmayincreasecreditriskonourpart.We’dbetterrequirehimtoopenanirrevocabledocumentarycredit.M:Ican’tagreewithyoumore.WhataboutconfirmationShallwerequireourbanktoadditsconfirmationtothecredit?W:Youaretalkingmylanguage.Question:Whatkindofletterofcreditwillbeissuedaccordingtothewoman?

Anirrevocableconfirmeddocumentarycreditwillbeissued.譯文男：嗨，簡(jiǎn)。我聽說進(jìn)口商要求開立以我們公司為受益人的可撤銷信用證。是真的嗎

女：千真萬確。但我拒絕了。您知道可撤銷信用證對(duì)我方會(huì)增加信用風(fēng)險(xiǎn)。我們最好要求他開立不可撤銷信用證。男：我完全同意。保兌呢？我們可以要求我們的銀行對(duì)信用證加以保兌嗎女：您說的就是我想的。Listening&SimulatingScripts&AnswersDialog1W:Excuseme,sir.HaveyoufinishedthecollectionorderAllright,letme

haveacheck.Oh,sir,youforgottostatetheinstructionofD/AorD/Phere.M:Isitcriticaltothecollection?W:Absolutelyimportant.WithoutD/PorD/Ainstruction,thecollectingbankwillonlyreleasedocumentsagainstpaymentaccordingtoURC522.譯文女：先生，打擾了，您的托收申請(qǐng)表填好了嗎好，我檢查一下。哦，先生，您忘記在這里寫明“承兌交單”還是“付款交單”了。男：這對(duì)托收重要嗎

女：絕對(duì)重要。沒有填寫“承兌交單”還是“付款交單”，根據(jù)522號(hào)《托收統(tǒng)一規(guī)則》，代收行只能按付款交單放行單據(jù)。Dialog2M:Wouldyoumindtellingmetheadvantageofdeferredpaymentcredit?W:Rightyouare,sir.Ifyouaregoingtoissueadeferredpaymentcredit,youneednotpaystampdutyonthebillofexchangeunderthecreditbecausenodraftisrequired.M:Oh,Isee.Buttherewillberiskonthepartofthebeneficiarysincehewillnotgethispaymentatmaturity.W:Don’tworryaboutthepayment.Thecreditisadefiniteundertakingofpaymentgivenbytheissuingbank.譯文男：請(qǐng)給我講講延期付款信用證的好處，好嗎

女：好的，先生。如果您打算開立延期付款信用證，您就不必為信用證項(xiàng)下的匯票支付印花稅，因?yàn)楦静恍枰獏R票。男：哦，我明白了。但對(duì)于受益人來說可能有風(fēng)險(xiǎn)，因?yàn)榈狡谒赡苣貌坏礁犊?。女：不用?dān)心付款。信用證就是開證行給您的一個(gè)確定的付款承諾。Dialog3W:Sorry,Professor.Aquestionpuzzlesmesomuch.IsthereanydistinctionbetweenastandbyL/CandacommercialL/C?

M:Yes,ofcourse.Thereisasimplemethodtotellthedifference.Justrememberthatintheeventofdishonorordefaultinpaymentordefaultintheperformanceofcontract,astandbyL/Cwillbesetoff,otherwiseacommercialL/Cwillbeusedanditisamethodofpaymentintheordinarytrade.W:IunderstandthatthestandbyL/Cisusedasaguaranteeinthetransactionsandtheguarantoristheissuingbank.譯文女：對(duì)不起，教授。我有個(gè)問題弄不清，備付信用證與商業(yè)信用證有區(qū)別嗎

男：當(dāng)然有啊。有個(gè)簡(jiǎn)單方法來區(qū)分。只要記住，在發(fā)生拒付或者不能履行合約的時(shí)候，備付信用證才被啟用，否則，在正常的貿(mào)易中，一般使用商業(yè)信用證作為付款手段。女：我明白，在交易中，備付信用證被用作為擔(dān)保，而擔(dān)保人就是開證行。LongConversationsConversation1TypesofLettersofCreditScripts&AnswersW:Morning,Professor!M:Morning,Zhang!Whatareyoureading?W:Oh,I’mreadingmytextbookofInternationalSettlement,Professor.I’veatesttomorrow.Ihavetoreviewthesubject.Iwanttogetatopgradethistime.M:Verygood.NowI’llgiveyouanoraltesttoseehowmuchyouhavelearntaboutthecourse.W:I’dloveto,Professor.Please,I’mready.M:Well,wouldyoutellmethetypesoflettersofcredit?W:Oh!Itisabigquestion,butI’msureIcangivetheanswer.Therearemanytypesoflettersofcredit.Forexample,wemaydividelettersofcreditintodocumentarycreditsandcleancreditsaccordingtowhetherornotitisaccompaniedbyshippingdocuments.Andtheformeroneisfrequentlyusedininternationaltrade.M:Well,youdotip-top.Goahead.W:OK.Allthelettersofcreditsmuststatewhethertheyarerevocableorirrevocable,andirrevocablecreditsareusuallyacceptableinforeigntrade,becausetheirrevocablecreditscannotbemodifiedorcancelledwithoutagreementofallthepartiesconcerned.M:Toorightyouare!Howaboutthetransferabledocumentarycredits?W:Thetransferabledocumentarycreditisonethatspecificallyauthorizesthebeneficiarytotransferpartorwholeofthebenefitsoftheletterofcredittosomeoneelse.Thusanexporterabroadcanarrangetheshipmentofgoodsaftertheimporteropensatransferablecreditinfavoroftheexporter,andthenhemaytransferthebenefitsofthecredittotheactualsupplierorsuppliersofthegoodsthroughatransferringbank.M:Arethereanyothertypesofcredits?W:Yes,ofcourse.Lettersofcreditmaybeclassifiedintoconfirmedcreditsandunconfirmedcreditsaccordingtowhetherornotathirdbankaddsitsconfirmationtotheletterofcredit.Thethirdbankwillonlyconfirmpaymentfortheirrevocablecreditattherequestoftheissuingbank.AccordingtoUCP600,theissuingbankundertakestheprimarypayment,andtheconfirmingbankundertakesthesecondarypayment.Itisgenerallystatedintheadviceoftheletterofcreditbytheconfirmingbankas“Thecreditisconfirmedbyus”or“Weherebyaddourconfirmationtothiscredit”.Sometimestheconfirmingbankmayundertaketheprimarypayment,andthewordswillappearlikethis“Thiscreditbearsourconfirmationandweundertakethatdocumentspresentedforpaymentinconformitywiththetermsofthiscreditwillbedulypaidonpresentation.”Withoutsuchwordsintheadviceoftheletterofcredit,itisanunconfirmedcredit.M:Welldone.Goon,please.W:Inaddition,dependingonthetimeofpayment,lettersofcreditcanalsobedividedintosightcreditsandusancecredits.Thebillofexchangedrawnunderausancecreditisusuallyausancedraftanditmustbeacceptedbytheissuingbankoranominatedbank.Sotheusancecreditisalsonamedasanacceptancecredit.Therearealsopaymentcreditsornegotiationcreditsjustaccordingtowhowillmakepaymentonthepresentationofthecredit.Ifitisstatedtobepayabledirectlybytheissuingbankorsomenominatedbank,itisapaymentcredit.Ifitisstatedtobenegotiatedbytheadvisingbankoranyotherbank,itisanegotiationcredit.M:Excellent.You’vereallydonewell.I’msureyou’vemadeit.Iwouldgiveyouan“A”ifyouweremystudent.W:Thankyouverymuch,Professor.Youknow,mydreamistobecomeabanker.M:Comeon!Yourdreamwillcometrue,I’mpositive.譯文女：早上好，教授。男：早上好，張同學(xué)。你在看什么書

女：哦，我的《國際結(jié)算》課本，教授。明天有考試。我必須復(fù)習(xí)這門課。我希望這次可以拿個(gè)最好成績(jī)。男：很好?，F(xiàn)在我就給你口試一下，看你學(xué)得怎么樣

女：太好了，教授。開始吧。我準(zhǔn)備好了。男：行。你能說說信用證的種類嗎

女：哦，這可是個(gè)大問題。但我肯定能答得出來。信用證有很多種類。例如，我們可以根據(jù)是否隨附有運(yùn)輸單據(jù)，將信用證分為跟單信用證和光票信用證。前者常常使用于國際貿(mào)易中。男：好，不錯(cuò)。繼續(xù)。女：好。所有的信用證必須注明是可撤銷還是不可撤銷。對(duì)外貿(mào)易中通常接受不可撤銷信用證，因?yàn)闆]有相關(guān)各方的同意，不可撤銷信用證不能被修改或被撤銷。男：你說得太對(duì)了。說說可轉(zhuǎn)讓信用證吧？

女：可轉(zhuǎn)讓信用證特別授權(quán)給受益人將信用證的部分或全部權(quán)益轉(zhuǎn)讓給其他人。這樣，進(jìn)口商開立了以外國出口商為受益人的可轉(zhuǎn)讓信用證以后，他可以安排貨物的裝運(yùn)，然后通過轉(zhuǎn)讓行把信用證的部分或全部權(quán)益轉(zhuǎn)讓給實(shí)際供貨商或供貨商們。男：還有其他種類的信用證嗎

女：當(dāng)然有。根據(jù)是否有第三家銀行對(duì)信用證加以保兌，信用證分保兌信用證和無保兌信用證。第三家銀行一般應(yīng)開證行的要求只對(duì)不可撤銷信用證加以保兌。根據(jù)600號(hào)《跟單信用證統(tǒng)一慣例》，開證行承擔(dān)付款第一責(zé)任，保兌行承擔(dān)第二責(zé)任。保兌行通常在信用證的通知書中寫明“本信用證由我行保兌”或者“我行對(duì)此信用證加以保兌”等字樣。有時(shí)，保兌行可能對(duì)信用證的付款承擔(dān)主要責(zé)任，保兌行會(huì)使用這些語句：“我行承擔(dān)本信用證的保兌責(zé)任，只要提示的單據(jù)與信用證條款相符，我行保證及時(shí)支付?！比绻庞米C通知書上沒有這樣的語句，那就是無保兌信用證。男：太棒了。請(qǐng)繼續(xù)。女：此外，信用證按照付款時(shí)間可以分為即期信用證和遠(yuǎn)期信用證,遠(yuǎn)期信用證項(xiàng)下的匯票一般是遠(yuǎn)期匯票，必須由開證行或者其他指定的銀行承兌該匯票。所以遠(yuǎn)期信用證也被冠名為承兌信用證。信用證還根據(jù)對(duì)誰提示單據(jù)并獲得付款而分為直接付款信用證和議付信用證。如果信用證注明由開證行付款或某指定銀行付款，這就是直接付款信用證。如果信用證注明由通知行或者任何銀行議付，這就是議付信用證。男：太好了。你答得的確不錯(cuò)。我確信你學(xué)會(huì)了。如果你是我的學(xué)生，我會(huì)給你一個(gè)“A”。女：非常感謝，教授。您知道，我的夢(mèng)想就是成為一名銀行家。男：加油。我肯定你的夢(mèng)想會(huì)成真的。Conversation2TheProcedureforL/CBusinessScripts&AnswersW:Hello,Johnson!Howareyou?M:Nothingreally.Whataboutyou?W:Quitewell.I’mbusypreparingforthefinalexamination.I’vereviewedthewholebookofInternationalSettlement.M:Whatyousaidremindsmeofsomeproblemsinmystudy.Ihaveanelectivecoursethisterm.MyhomeworkistotellsomethingabouttheL/Cbusinesstomorrow.Wouldyoulendmeahand?W:Itisapleasure,Johnson.Well,youknow,aletterofcreditisissuedbytheissuingbanktothebeneficiary.It’stheissuingbank’sundertakingtopaythebeneficiaryiftheshipmenthasbeenmadeunderthecreditandallthedocumentspresentedarecomplyingwiththetermsandconditionsofthecredit.M:Soaletterofcreditservesasaconditionalpaymentpromiseoftheissuingbank.AmIright?W:Exactlycorrect.M:PleasegivemeanexampletoshowtheprocedureoftheoperationofL/Cs.W:SupposeABCisanexport-orientedcorporationinBeijing.XYZisanimportcompanywithgoodcreditstandingintheUnitedThesettlementofthetransactionistobemadebythemeansofanirrevocableletterofcredit.XYZwillaskitsbanktoissueanirrevocableletterofcreditinfavorofABCtocoverthecontract.Now,wesayABCisthebeneficiary,andXYZistheapplicantoftheL/C,andtheimporter’sbankistheissuingbank.M:Now,willABCreceivetheletterofcreditdirectlyfromXYZ?W:Absolutelyno.Yousee,aletterofcreditisusuallyadvisedthroughtheissuingbank’scorrespondentintheplaceofthebeneficiary.Sothecorrespondentbankiscalledadvisingbank.M:WhatwilltheadvisingbankdoafterreceivingtheL/Cfromtheissuingbank?W:ItwillverifytheauthenticityoftheletterofcreditbysometestkeyandseeiftheL/Cistrue.M:ItisthestepofcheckingL/C.Andthen?W:Itwillsendtheoriginalletterofcredittothebeneficiaryandkeepthecopyonfile.M:SoABChasgotthepromiseofpaymentfromtheimporter’sbank.W:Right.NowABCstartstoeffectshipmentofgoodsandpreparetherequireddocuments.M:WillABCgetthepaymentassoonastheshipmentiseffected?W:No.Aftertheshipment,thebeneficiarywilldrawasightdraftontheissuingbankandpresenttheletterofcredittogetherwiththedraftandalltherequireddocumentstotheadvisingbankinBeijing.M:Whatwilltheadvisingbankdonow?W:Theadvisingbankwillreviewallthedocuments.IftheyareOK,thebankwillnegotiatethedocumentsaccordingtothetermsofthecredit.Inthiscase,theadvisingbankactsasanegotiatingbank.M:Andthentheissuingbankwillpaythenegotiatingbank,right?W:Ofcourse.Theissuingbankwillreimbursethenegotiatingbankifitmakessurethatallthedocumentspresentedarecomplyingwiththetermsandconditionsofthecredit.M:Isittheendofthebusiness?W:No.TheissuingbankwillinformtheXYZofthearrivalofthedocuments,andrequirethecompanytorepaytheproceedstothebank.AndthenthedocumentswillbereleasedtoXYZandXYZwillgetthegoodsfromtheshippingcompanyagainstthedocuments.M:Oh,theoperationofanL/CismorecomplicatedthanwhatIthought.W:Exactly.Weshouldbecarefulwhenwehandlethecreditbusiness,especiallyweshouldbeprudentinobservingthecredittermsanddocuments,ortherewillbealossforboththecustomerandthebank.M:Yes,I’llkeepitinmind.IthinkI’velearntalot.Itisagreathelptomypresentation.Thanksamillion.W:Youarewelcome.Seeyoulater.M:Seeyou.譯文女：您好，約翰遜。過的怎么樣

男：差不多吧。您呢？女：很好。我正在準(zhǔn)備期末考試。我已經(jīng)復(fù)習(xí)了《國際結(jié)算》整本書。男：您這話使我想起了學(xué)習(xí)中的一些問題。這學(xué)期我有一門選修課。明天的作業(yè)是講講信用證業(yè)務(wù)。您能幫助我嗎

女：很高興，約翰遜。哦，您知道，信用證是開證行開給受益人的。它是開證行付款給受益人的保證，條件是按照信用證的要求裝運(yùn)貨物，并且提示的單據(jù)與信用證條款相符。男：所以信用證就是開證行的有條件的付款承諾。對(duì)嗎

女：完全正確。男：請(qǐng)用例子說明信用證業(yè)務(wù)的操作步驟，好嗎

女：假如ABC是北京的一家以出口為主的公司。XYZ是美國的一家信譽(yù)不錯(cuò)的進(jìn)口公司。他們簽訂了銷售合約。打算用不可撤銷信用證結(jié)算交易。XYZ要求其銀行開立以ABC為受益人的不可撤銷信用證來付款?，F(xiàn)在，我們說ABC是信用證的受益人，XYZ是開證申請(qǐng)人，進(jìn)口商的銀行是開證行。男：ABC這時(shí)是收到XYZ直接寄來的信用證嗎

女：絕對(duì)不是。您知道，信用證一般是通過開證行在受益人所在地的代理行通知給受益人的。所以代理行被叫做通知行。男：通知行收到開證行送來的信用證以后做什么呢？

女：它會(huì)使用某種密押核實(shí)信用證的真?zhèn)?。男：這就是審證吧。然后呢？

女：它會(huì)把信用證原件交給受益人，保留一份復(fù)印件存檔。男：這樣ABC就拿到了進(jìn)口商銀行的付款承諾。女：對(duì)。現(xiàn)在ABC開始組織裝運(yùn)，準(zhǔn)備需要的單據(jù)。男：ABC完成裝運(yùn)后就可以拿到付款嗎

女：不行。裝運(yùn)后，受益人會(huì)開立一張以開證行為受票人的即期匯票，然后把信用證、匯票和所有必需單據(jù)一起提示給北京的通知行。男：通知行現(xiàn)在做什么呢？

女：通知行要審單。如果單據(jù)沒問題，銀行會(huì)按照信用證條款議付單據(jù)。這時(shí)，通知行充當(dāng)議付行。男：然后開證行就會(huì)付款給議付行，對(duì)吧？

女：當(dāng)然啦。只要開證行確認(rèn)提示的單據(jù)與信用證的條款相符，它將償付議付行。男：就這些嗎

女：沒結(jié)束呢。開證行要把單據(jù)已到的消息通知給XYZ，要求該公司付款贖單。然后XYZ憑單據(jù)從裝運(yùn)公司得到貨物。男：哦。我覺得信用證業(yè)務(wù)的操作比我想象的復(fù)雜得多。女：的確。我們處理信用證時(shí)千萬要仔細(xì)，尤其是在審查信用證條款和單據(jù)時(shí)要謹(jǐn)慎。否則客戶和銀行都會(huì)遭受損失。男：是。我會(huì)記住的。我感到今天學(xué)到了很多。這對(duì)我明天的演講很有用。非常感謝。女：別客氣。再見。男：再見。LecturesLecture1DocumentaryCollectionsScripts&AnswersAllright,class.Let’sbegintostudytheoperationofdocumentarycollections.Adocumentarycollectioncanbedefinedasthecollectionofaspecifiedsumofmoneyfromabuyeronbehalfofaselleragainstdeliveryofcertaindocuments.Documentarycollectionsfacilitatethesettlementofforeigntradetransactions.Thecollectionserviceprovidedbyabankinvolveslittleriskandappearstobetheleastexpensive.UndertheURC522,oncethedocumentsarepassedtothebankbytheexporter,thebankhasanabsoluterightoverthegoodsthroughthetitledocuments.Therightincludesreleasingdocuments,protecting,warehousinganddeliveringgoodsonbehalfoftheexporter.Therearegenerallyfourpartiesinvolvedinadocumentarycollection:Thefirstpartyistheprincipal.Heisusuallythesellerorexporter,whopresentsthedocumentstohisbanktogetherwithcollectioninstructions.Thesecondpartyistheexporter’sbank.Itiscalledaremittingbanksinceitsendsthecollectionletterandallthedocumentstotheimporter’sbankforcollectionattherequestoftheexporter.Thethirdpartyistheimporter’sbank.Itiscalledthecollectingbankorapresentingbankbecauseithandlestheactualcollectionofmoneyfromtheimporterandremitstheproceedstotheremittingbankaccordingtotheinstructionsincollectionorder.Thelastpartyistheimporterorthedrawee.Theexporterdrawsabillofexchangeonhimandthecollectingbankpresentsdocumentstohimforpaymentorforacceptance.Theoperationofadocumentarycollectionwillgointhefollowingprocedure:Theexportershipshisgoodsandobtainsdocumentsoftitlefromtheshippingcompanyafterthesalescontracthasbeensigned.Thenhehandsinthefollowingdocumentstotheremittingbank:1)abillofexchangedrawnontheimporter;2)acompletesetofclean,shippedonboardoriginalbillsofladingandotherrelevantdocuments;3)acollectionorderwhichcontainsalltheinstructionsonthecollection.Onreceivingallthedocumentsfromtheprincipal,theremittingbankwillsendallthedocumentsandacollectionordertothecollectingbank.IfitisaD/Pcollection,thecollectingbankwillreleasethedocumentstotheimporteronlyagainsthispayment.IfitisaD/Acollection,thecollectingbankwillreleasethedocumentstotheimporteragainsthisacceptanceofausancedraft.Afterthepaymentismade,thecollectingbankwillthenremittheproceedstotheremittingbank,whowillthencreditittotheexporter’saccount.譯文好了，各位同學(xué)。我們開始學(xué)習(xí)跟單托收業(yè)務(wù)。跟單托收可以定義為代表賣方，根據(jù)特定的單據(jù)從買方處收取特定金額的款項(xiàng)。跟單托收有利于外貿(mào)交易的結(jié)算。銀行提供的托收業(yè)務(wù)風(fēng)險(xiǎn)很小，而且費(fèi)用最低。按照《第522號(hào)國際商務(wù)托收統(tǒng)一規(guī)則》，出口商一旦把單據(jù)交給銀行，銀行因?yàn)槌钟形餀?quán)證書而對(duì)貨物有絕對(duì)的權(quán)利。其權(quán)利包括代表出口商放行單據(jù)、保護(hù)貨物、將貨物入倉和交付貨物等。跟單托收通常涉及四方：首先是委托人。委托人通常是賣方或出口商，是他把托收指示和單據(jù)一起提交給他的銀行。其次是出口商的開戶行。該行應(yīng)出口商的要求把托收函和所有的單據(jù)寄給進(jìn)口商的銀行要求其代收貨款，因此被稱為委托行或托收行。第三方是進(jìn)口商的開戶行。該行按照托收委托書的指示辦理從進(jìn)口商處收取款項(xiàng)并將貨款匯給托收行等具體事宜，因此被稱為代收行或收款行，也被稱為提示行。金融英語聽說-教師用書6-8.indd1412011.1.112:20:20PM金融英語聽說142最后是進(jìn)口商或受票人。出口商開立以其為受票人的匯票，代收行向其提示單據(jù)要求其付款或承兌匯票。跟單托收業(yè)務(wù)的運(yùn)作步驟如下：簽訂了銷售合約后，出口商裝運(yùn)貨物，從裝運(yùn)公司取得物權(quán)證書，然后將如下單據(jù)提交給托收行：1、以進(jìn)口商為受票人的匯票；2、全套已裝船的清潔正本提單以及其他相關(guān)單據(jù)；3、包括全部托收指示的托收委托書。托收行收到委托人提交的所有單據(jù)后，將全部單據(jù)和托收委托書寄交給代收行。如果是付款交單托收，代收行將僅憑進(jìn)口商的付款放行單據(jù)。如果是承兌交單托交，代收行將憑進(jìn)口商對(duì)遠(yuǎn)期匯票的承兌放行單據(jù)。付款之后，代收行將貨款匯給托收行，托收行將款項(xiàng)貸記到出口商的銀行賬戶。Lecture2MeansofInternationalSettlementScripts&AnswersforReferenceGoodmorning,ladiesandgentlemen.Yesterday,welearnedaboutdocumentarycollectionsanddocumentarylettersofcredit,includingtheirtypes,thepartiesconcernedandtheoperationprocedureofthebusiness.Today,I’dliketosayafewwordsaboutsomeothermeansofinternationalsettlementaswellaspayment.First,openaccount.Openaccountisacontractualarrangementbetweenthebuyerandseller.Bythearrangement,thegoodsaremanufacturedanddeliveredbeforepaymentismade.Itisobviousthatthebuyerwillhavemorebenefitsfromthearrangementsincehewillpayforthegoodsorservicesafterhereceives,inspects,andevensellsthem.Fromtheseller’sperspective,hereleasesthetitledocumenttothegoodswithouthavingassuranceofpaymentfromthebuyerorfromthebuyer’sbank.Soanypolitic