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UnitthreeCreditInquiryQuestionsaboutlettersofcreditinquiry
Question1:Whyarethecreditandstatusinquiriesimportantintrade?Question2:Howcanwefindtheinformationchannelsaboutcreditinquiry?Question3:Whatcontentdoesthecreditinquiryinclude?BackgroundInformationofcreditinquiryImportanceofcreditinquiry.
Beforeyoustarttodobusinesswithpartnersinforeigncountrieswhoarefarawayfromyou,ifyoudon’tknowhimorherverywell,thenyoushoulddocreditinquiryabouthimorherincaseyouarecheatedbyhimorher.2.Howtodocreditinquiry(1)throughbankandcompanywhichhavebusinessrelationswiththem(2)throughofficesabroad(3)throughcommercialchamberandprofessionaloffices(inquiryagency)oncreditinquiry3.ContentforcreditinquiryItisveryimportanttogetthenecessaryinformationaboutthecompanyconcerning4Cs(credit,character,capital,capacity),whichmeansyoushouldknowaboutitsreputation,financialstatusandbusinessmodebeforeconductingatransaction,especiallytheonethatrequiresalargesumofmoney.(1)政治情況:包括客戶與其本國政界關(guān)系,企業(yè)負(fù)責(zé)人參加的黨派等(2)經(jīng)營范圍:包括客戶的業(yè)務(wù)范圍、是實用戶還是中間商,經(jīng)營作法等。(3)資信情況:包括客戶的資金、資產(chǎn)負(fù)債情況以及經(jīng)營作風(fēng)等。(4)經(jīng)營能力:指客戶的銷售渠道、活動能力等。ThestructureoflettersofcreditinquiryTakingsomecorrespondencesassamples,contentofcorrespondenceaboutcreditinquiryisgenerallymadeupofthefollowingparts:Partone:調(diào)查的原因,并表明目的,要求得到某一公司的資信資料。E.g.Wearepleasedtoreceive….Parttwo:進入詢問的有關(guān)主題,請對方直言相告。E.g.willyoukindlysendus…;assoonastheseinquireshavebeensatisfactorilysettled,….;forsafety’ssake,weshouldliketoknow…Partthree:保證保密。Inconfidence,….Partfour:說些感激的話,表示感激和誠意。E.g.wesincerelyhopethat….ExampleLetterone:Dearsirs,weareverypleasedtoreceiveyourorderforourgoodstothevalueof(價值為……)$25000.asthisisourfirsttransactionwithyou,willyoukindlysendusthenamesoffirmsorabanktowhomreferencecanbemade?(makereferenceto提到,涉及)Assoonastheseinquireshavebeensatisfactorilysettled,weshallbepleasedtoshipyourorder.Wesincerelyhopethatthisisthebeginningofalongandpleasantbusinessrelationship.Weshallcertainlydoourbesttomakeitso.Yoursfaithfully,***Examplelettertwo:PrivateandconfidentialDearsirs,WehavereceivedaletterfromtheMaryannCosmeticsCompany,inManhattan,expressingtheirdesiretoenterintobusinessrelationswithusonconditionthat(條件是)weallowthemastandingcreditof$10000tostartbusiness.Asstatedintheirletter,theirreferenceisthebankofAmerica.(Onnocondition絕對不要)Itisourprincipletohavemoreconnectionsabroad,however,forsafety’ssake,weshouldliketoknowthefinancialandcreditstandingoftheabovementionedcompany,especiallybecausetheyhaverequestedusforastandingcredit,whichweseldomgrantto(準(zhǔn)許,授予)newcustomers.Weshouldbeverypleasedifyouwouldassistusinthisrespect,andwecanassureyouthatanyinformationyoumaygiveuswillbetreatedinabsoluteconfidence.Yourssincerely.Thestructureofthereplyofcreditinquiryletter1:答復(fù)關(guān)于信任詢問時,銀行提供的資料通常會比較客觀和公正,而廠商的答復(fù)則會比較主觀。因此,作出判斷前,應(yīng)該以綜合的意見作為評判標(biāo)準(zhǔn)。Thecontentofcorrespondenceaboutthereplyofcreditinquiry(favorablereply)isgenerallymadeupofthefollowingparts:Part1:
表明寫信的目的e.g.inreplytoyourletter…Part2:針對被詢問公司有關(guān)各情況進行回答e.g.thecompanyyoumentionedis….Part3:補充注意事項wemustaskyou…ExampleLetterthree:Dearsirs,InreplytoyourletterofJuly10,wegiveyouthefollowinginformation.Thecompanyyoumentionedisanold-establishedonewhichhaslongenjoyedthehighestreputation.(享有)Wehavedonebusinesswiththemformanyyearsandhavefoundthemveryreliable.Thoughthisinformationisgiventothebestofourbelief(依某方的信念),wemustaskyoutotreatitinstrictconfidenceandwithoutanyresponsibilityonourpart.yoursfaithfully,Thestructureofthereplyofcreditinquiryletter作不利答復(fù)時,必須小心謹(jǐn)慎,確保給出的信息準(zhǔn)確可靠。Thecontentofcorrespondenceaboutthereplyofcreditinquiry(unfavorablereply)isgenerallymadeupofthefollowingparts:Part1:
提出建議wemustadviseyouto…Part2:舉例證明aboutayearago…Part3:委婉解釋ourenquiriesrevealnotingto…Part4:給出提醒thisinformationis…inconfidence
ExampleLetterfour:PrivateandconfidentialDearsirs,WehavecompletedourenquiriesconcerningthefirmmentionedinyourletterofFebruary18andregretthatwemustadviseyoutoregardtheirrequestforcreditwithcaution.Aboutayearagoanactionwasbroughtagainstthefirmbyoneofitssuppliersforrecoveryofthesumsduethoughpaymentwasrecoveredinfull.Ourenquiriesrevealnothingtosuggestthatthefirmisnotstraightforward.Itseemstousthatthefirm’sdifficultieswereduetobadmanagementandinparticulartoovertrading.Consequently,mostofthefirm’ssupplierseithergiveonlyveryshortcreditforlimitedsumsormakedeliveriesonacashbasis.(憑現(xiàn)金)Thisinformationisofcoursesuppliedinthestrictestconfidence.(絕對機密)YourssincerelyBackgroundwordsofcreditinquiryStandingConfidenceReply(Favorable/unfavorablereply)CreditLiabilityAssetDividendReferenceCommitmentassociateStanding:
1)adj.持續(xù)的,長期有效的,永久的,固定的Standingcharge
Standingorder
Standingpermit
2)n.地位,身份,名譽,名望,期間,持續(xù)Creditstanding/Financialposition/Financialstanding/creditandfinancialstanding:reputationofacompany’sFinancialstanding:thereputationandstatusoffinanceCreditandfinancialstandingtrustworthinessinpayingdebtsanditsfinancialstatus
Thisisanissueoflongstanding.
Menofhighstanding
ConfidenceConfidence:n.nevertellanyoneelseknow秘密話In(strict/thestrictest)confidenceInconfidence秘密地,私下地Inaperson’sconfidence
Takeintoone’sconfidence
Confidantn.apersontrustedwithknowledgeofone'sprivateaffairsConfidentadj.
Confidentof/that
Reply(Favorable/unfavorablereply)Replyto回答,答復(fù)Reply強調(diào)經(jīng)過考慮后而答復(fù)對方的問題或論點,相對于ask而言,如:Replytoaletter/criticism回復(fù)來信/批評
在商務(wù)函電中,Inreplyto=inanswertoAfavorablereply:areplywhichisinfavorofthecompanyinquestion
Aunfavorablereply:areplywhichisnotsomuchinfavorofthecompanyinquestion
Creditv./n.信用,信任,n.貸款,,名譽,光榮,學(xué)分Creditasumto…向……貸款Creditagency
Creditagent保險信用代理人Creditor:nCreditreceiver
Creditcooperative信用合作社Creditassociation
Credibleadj.詞根為cred,詞義為可信的,可靠的,強調(diào)的是被動含義,等于believable.Liability債務(wù),負(fù)債Liability:n.(usu.pl.)Theamountofdebtthatmustbepaid1)責(zé)任,義務(wù)2)負(fù)債Liabilitybetweenpartners
LiabilityfordelayLiabilityforfault
Liabilityforguarantee
Liabilityforlossoflifeorpersonalinjury
Liabilityoutstanding
Liabilitywithinterest
Asset資產(chǎn)Asset:n.(usu.pl.)propertyownedbyacompanythatcanbeusedorsoldtopaydebts(公司所有的,可以抵債或變賣后支付債務(wù)的)資產(chǎn)Dividend
n.債權(quán)人分得的償金DividendaccumulationDividendpreferenceDividendpolicyDividendonshares
ReferenceReferto涉及,查閱Referto…as…稱……為Referencen.1)參考,查閱,參考書目2)提及,涉及3)介紹人,證明人/書Forone’sreference/information供…參考Foryourreference,weencloseananalysisofthetestwehavemade.Wetakepleasureinsendingourlatestcatalogueforyourreference.Commitment委托事項,許諾,承擔(dān)義務(wù)
Associaten.聯(lián)營公司,聯(lián)號Thebusinessisofgreatadvantagetoassociates.Theassociatesdonotseeanyadvantageinsuchacooperation.
Associate=associatedcompany
ThesubjectcompanyyouinquiredaboutbyyourletterofOctober15,2001,hasbeenmaintaininganaccountwithusforthepasttwentyyears,duringwhichtheyhaveneverfailedtomeettheirobligation.TheirbalancesheetsofrecentyearsenclosedwillshowyouthattheirimportbusinessinSewingMachineshasbe
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