銀行函電中信件常用套話行話小結(jié)教材引用了28篇不同銀行業(yè)務(wù)的信件，仔細(xì)品味每一封信件所包含的有規(guī)律的行話、套話，掌握規(guī)范的約定俗成的表達(dá)方式。比如，結(jié)尾語中表達(dá)希望對方盡早回信的表達(dá)方式就有，“Wewishtohaveyourfavorablereply（盼佳音）.”，“Weanticipatetoreceiveyourearlyfavorablereply.（期待早“Yourearlyreplywillbeappreciated（盼早日函復(fù)）”，“Weshallappreciate(toreceive)yourearlyreply（如表示感激）”，“weappreciateyourkindassistanceandlookforwardtoyourreply.（感謝貴方并期待函復(fù)）”，等等。日收到貴行的函復(fù)）”，貴方能早日函復(fù)，我方將幫助，1.Lettersconcerningbankrelationship關(guān)于銀行關(guān)系的信件（2封）------Appreciateforthefriendlyandmutuallybeneficialrelationship為友好而互惠的關(guān)系感到滿意------moreopportunitieswherewecouldworktogether更多的合作機會------weareconvincedthatcooperationbetweenourtwobankswillbeexpandedinpossibleareas我們深信雙方的合作將在可能的領(lǐng)域深化。------thesalehasnoimpactonyourrelationshipwithusorontheservicesweprovidetoyou該銷售不會影響貴方與我們之間的關(guān)系也不會影響我們?yōu)槟惴教峁┑姆?wù)-------tobetterserveandtogrowwithvaluedcustomerssuchasyourself.為諸如貴公司的有價值的伙伴提供服務(wù)2.LettersconcerningCreditInquiry關(guān)于信用咨詢的信件（1封）-------private&confidential機密-------anyinformationyougiveuswillbestrictlyprivateandconfidential.我方任何資料嚴(yán)守秘密。-------creditstanding,respectabilityandfinancialresponsibility資信、信將對貴方提供的譽、財務(wù)狀況-------reciprocateyourcourtesy回饋貴方的幫助3.LettersconcerningBankA/C&BankAccounting關(guān)于銀行賬戶和銀行會計的信件（5封）--------transferofXXXXXaccountXXXX某某公司某某賬戶的轉(zhuǎn)移-------closetheaccountandforwardtheprincipalbalanceplusanyaccruedinteresttoXXXXXX結(jié)清賬戶并將本金與余額加上應(yīng)計利息轉(zhuǎn)至??--------enclosedaresavingspassbookXXXX附上號碼為??的儲蓄存折--------returnalltheunutilizedblankchequestousforcancellationbeforeclosingtheircheckingaccountsinourbooks在結(jié)清支票賬戶之前，應(yīng)將所有未使用的空白支票退回我方-------weshallappreciateitifyouwillsendbacktoustheunusedcheques如貴方將未使用的支票退回我方，勝感激。------sothatwecanremitthebalancetoyouraccountwithXXXbank以便使我方能夠?qū)⒂囝~匯往貴方在XXX銀行的賬戶我方將不--------RatherthanaskingyoutodrawinUSDonourXXXbankcorrespondencein1

reimbursementofeachnegotiation,itmaybesimpleforustoopenaRenminbiaccountwithyouandtogiveyoutheauthoritytofundtheaccountbydrawingontheXXXbankincertainamountofUSDwhenfundsarerequired與其讓貴方向我行XXX（往來行）開出以美元為標(biāo)價的匯票，以償付每次議付的款項，不如讓我行在貴行開立一人民幣戶頭，并授權(quán)貴行通過開立以XXX行為付款人、一定美元金額的匯票的形式，在需要現(xiàn)金時向該賬戶注入現(xiàn)金存款，情況會簡單些。-------ifyoudeemthisarrangementacceptabletoyou,wewillgiveyouthenecessaryauthorityto?如貴行認(rèn)為這樣的安排可以接受的話，我行將有必要授權(quán)貴方??-------particularsonthedebitsideinthestatement對賬單中借方的細(xì)節(jié)------weshallbemuchobligedifyouwilladviceusofthenatureofthesetransactionsandourreferencenumbers.如蒙告知這些交易的性質(zhì)和我們的編號，我方將不勝感激------withreferencetothecaptioneddebitadviceclaimingcablechargesfromyouthroughXXXbank,weregrettostatethat?關(guān)于上述標(biāo)題所列借記通知書要求貴方通過XXXX銀行電匯費用一事，??對此，我方表示抱歉。4.LettersconcerningCreditLoan關(guān)于信貸的信件（5封）-------atyourrequest,wearepleasedtoofferyouatradeorientedcreditlineofuptoXXXXtobeusedtofinanceyourclientsfortheirimportofgoodsfromourcountry.應(yīng)貴方求，我方很高興地向貴方提供金額達(dá)??的額度，用以資助貴方客戶從我國進(jìn)口貨物。要貸款-----ThiscreditlineisavailableatanytimesubjecttoyourXXXdayspriornoticetousandremainsvalidforaperiodofXXXX.經(jīng)貴方提前??日通知我方后，貴方將隨時可以用該筆貸款額度，有效期為??使-------pleasewritetousforfurtherdiscussiononthetermsandconditions.請來信就有關(guān)條款進(jìn)行進(jìn)一步的磋商。------?,wehavedrawnupacreditproposalthatwouldmeetpartofyourfinancialneeds我方已經(jīng)起草了一封信貸建議書，會滿足貴方對資金的部分需求。------Iftheproposalisacceptable,weshallbegintheformalapprovalprocessnecessarytoconvertittoacommitment.如果建議書能夠接受，我方將開始啟動必要的審批程序，以便使該建議書變成一份承諾書。------ThecreditlineweofferisXXXXXwhichisunsecured,andwillgiveyoutremendousflexibility.我方提議的信用額度為??，無擔(dān)保，并將給予貴方很大的靈活性。------ThelinemaybeusedforDirectborrowingspricedattheprimerate.該額度將被用基礎(chǔ)利率計價的直接借款------onbehalfofXXXX,Itakepleasureininformingyouthatyourapplicationforamortgageloanhasbeenapproved.我謹(jǐn)代表??，高興通地知你行，你行的抵押貸款已經(jīng)被批準(zhǔn)。------Theloanwillbesecuredbyagoodandsufficientfirstmortgageonthehouse.該貸于以款將以房屋的首次而充分的抵押為擔(dān)保。-------wereservetherighttowithdrawthiscommitmentiftitleorotherconditions2

necessarytomaketheloanarenotsatisfactory.如果貸款資格或其它條件不令人滿意，我行保留撤銷此承諾的權(quán)利。------Payment::XXXXXmonthlyprincipalandinterestforthefirst36months,thensubjecttoadjustment償還：前36個月每月支付本金和利息XXXXX，然后可以調(diào)整。------InaccordancewithClausesXXXXandXXXofthecaptionedLoanAgreement,wewishtoinformyouthattheXXXcommitmentfeeofXXXXwillbedueandpayableonMM,DD,YY.按照上述貸款協(xié)議第XXX條和第XXX條的規(guī)定，我方希望貴方了解第XXX費XXXXXX將于XXX年X月X日到期支付。項承諾5.LettersconcerningLettersofCredit關(guān)于信用證的信件（3封）-----Inaccordancewiththeissuingbanksinstructions,weencloseherewiththeoriginalofthecreditmentionedabove,whichpleasedelivertothebeneficiary.按照開證行的指示，我方隨函附上上述信用證原件，請送達(dá)受益人。------Pleaseacknowledgereceiptbyreturningtoustheattachedcopyofthisletterdulysigned.請將所付經(jīng)簽字的------wewishtostatethataccordingtothecreditterms,paymentoftheaboveitemshouldhavebeenmadebyyourightuponyourreceiptofthedocuments.我方希望表明，貴方應(yīng)在收到單據(jù)后立即支付上述款項。該信件副本寄還我方，以便確認(rèn)收到。根據(jù)信用證條款，------UponclaimingreimbursementofournegotiationunderthecaptionedL/ConXXbank,wehavebeeninformedbyXXbankthatpaymentwaseffectedunderreserveforthereasonthattheL/Cwasoverdrawn.在我方要求XXX銀行償付時，XXX銀行通知我方，支付是在有保留的條件下進(jìn)行的，原因信用證已經(jīng)被支透了。對上述標(biāo)題所列信用證項下的我方議付進(jìn)行是，6.LettersconcerningBillsforCollection關(guān)于托收匯票的信件（4封）------weareinreceiptofyourcaptionedcollectionalongwiththerelativedocuments,whichhavebeendulyforwardedtothedrawees.我方已收到貴方上述標(biāo)題所列托收匯票及相關(guān)單據(jù)，并已及時轉(zhuǎn)交受票人。------Ourclient,XXXXXasksyoutochangethedraweesofthecaptionedcollectiontoXXX.我方客戶XX請求貴方將上述標(biāo)題所列托收匯票受票人變?yōu)閄XXXX------wethankyouforreturningtheunpaiddocumentsunderthecaptionedcollectionalongwithyourletterdatedMM,DD,YYwhichhavebeendulynotifiedtothedrawers.貴方將上述標(biāo)題所列托收匯票項下的未付單據(jù)及貴方日期為X年X月X日信函返還我方，并已及時通知出票人，我方表示感謝。------ReferringtoyourenquirydatedMM,DD,YY,wetakepleasureininformingyouthatthesaidcollectionwasalreadypaidandtheproceedswereremittedtoyouraccountwithXXXonMM,DD,YY.關(guān)于貴方某年某月某日的查詢函，我收匯票已經(jīng)支付，貨款已于某年某月某日匯往貴方在XXX的賬戶。-----Enclosedisacopyofourrelativepaymentorderforyourreference.隨函附上我方很高興地通知貴方，上述托方相關(guān)付款通知書一份，供貴方參考。7.LettersconcerningBusinessInquiry關(guān)于商務(wù)咨詢的信件（3封）3

------ReferenceismadetothecreditadviceXXXfromourXXXXinsettlementoftheaboveclaim參考我方XXZX用以支付上述索償?shù)腦XX好貸記通知書------WewouldrequestyoutokindlylookintothematterandpaythedifferenceofthesaidXXXXtoouraccountunderadvicetous.我方能調(diào)查此事，將上述XXXX元的差額付-----Wewishtodrawyourattentiontothefactthatthiscollectionremainsoutstandinginourrecords.我方托收仍未付款。-----WeacknowledgereceiptofyourCreditAdviceunderthecaptioneditem.貴方上述。請求貴方至我方賬戶并同時通知我方。希望提請貴方注意，在我方案卷中上述標(biāo)題所列項目下的貸項通知書已收悉，對此我方表示感謝。8.Others其它信件（5