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)負責人參加的黨派等(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)負債情況以及經(jīng)營作風等。(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(準許,授予)newcustomers.Weshouldbeverypleasedifyouwouldassistusinthisrespect,andwecanassureyouthatanyinformationyoumaygiveuswillbetreatedinabsoluteconfidence.Yourssincerely.Thestructureofthereplyofcreditinquiryletter1:答復關(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準。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作不利答復時，必須小心謹慎，確保給出的信息準確可靠。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Reply強調(diào)經(jīng)過考慮后而答復對方的問題或論點，相對于ask而言，如：Replytoaletter/criticism回復來信／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)，負債Liability:n.(usu.pl.)Theamountofdebtthatmustbepaid１）責任，義務(wù)２）負債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，承擔義務(wù)

Associaten.聯(lián)營公司，聯(lián)號Thebusinessisofgreatadvantagetoassociates.Theassociatesdonotseeanyadvantageinsuchacooperation.

Associate=associatedcompany

ThesubjectcompanyyouinquiredaboutbyyourletterofOctober15,2001,hasbeenmaintaininganaccountwithusforthepasttwentyyears,duringwhichtheyhaveneverfailedtomeettheirobligation.TheirbalancesheetsofrecentyearsenclosedwillshowyouthattheirimportbusinessinSewingMachineshasbe