1、Unit 3 Letters of Credit and Status Inquiry,I. Aims & Requirements,1.To enable students to know about the importance of credit inquiry. 2.To enable students to know about how to make credit inquiry 3.Help students to learn and master key words, phrases and sentence patterns about credit inquiry 4.He

2、lp students to learn and master how to write a business letter about credit inquiry,II. Contents,Importance of credit inquiry Ways of making credit inquiry Studying letters about credit inquiry Structure of letters about credit inquiry,Importance of credit inquiry.,Status enquiries, often referred t

3、o as “Banks” references, have been with us for more than a century. Although other sources of relevant information have become available more recently (such as credit reference agencies), many businesses still regard status enquiries as a useful source of information about those with whom they may w

4、ish to do business,Credit and status enquiries are those written communications in which traders request information concerning the financial position, credit, reputation and business methods of other firms. In business, it is of utmost importance to obtain all the information possible concerning th

5、e firm one is about to enter business with.,Before you start to do business with partners in foreign countries who are far away from you, if you dont know him or her very well, then you should do credit inquiry about him or her in case you are cheated by him or her.,2. How to do credit inquiry,There

6、 are various ways of obtaining such information. Instead of applying to a business friend, traders sometimes apply to (1) banks (2) offices abroad (3)through commercial chamber (4) professional offices on credit inquiry,The information obtained from banks or chambers of commerce is generally most re

7、liable. However, a bank will not give information direct to an unknown trader unless the enquiry is from one of its fellow banks. Therefore, when taking up a bank reference, the trader must do so through its own bank.,3. Content for credit inquiry,Letters enquiring status are more or less stereotype

8、d. Some large firms make their enquiries on specially printed forms containing questions they would like to have answered.,(1)政治情況：包括客戶與其本國(guó)政界關(guān)系，企業(yè)負(fù)責(zé)人參加的黨派等 (2)經(jīng)營(yíng)范圍：包括客戶的業(yè)務(wù)范圍、是實(shí)用戶還是中間商，經(jīng)營(yíng)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(yíng)作風(fēng)等。 (4)經(jīng)營(yíng)能力：指客戶的銷售渠道、活動(dòng)能力等。,Status enquires are usually headed “confidential” or “

9、private and confidential”. These words are also written on the envelope. Traders asking for information must bear in mind that they are asking for a favor and therefore should write in polite and appreciative terms. When the information is received, be it favorable or unfavorable, a suitable letter

10、of acknowledgement and thanks should be sent. This is no more than a common courtesy,銀行資信證明范本,2000年8月20日 August 20， 2000 中華人民共和國(guó)重慶工商管理局 中國(guó)，重慶 Peoples Republic of China Chongqing Commercial and Industrial Administration Chongqing， China 關(guān)于：美國(guó)國(guó)際出口有限公司資信證明 Re： Account of American International Export C

11、redit,Dear sir, Please be advised that Mr. York J. Smith President of American International Export Co.， Ltd. has established several accounts with Commerce Bank. The regular business account was established in September 1997 and the money market account was established in this August 1999. The tota

12、l balance of deposit at our bank for both accounts is US$833， 360.00 Their accounts have always been in good standing. Thank you. Sincerely， Signature,敬啟者： 茲證明美國(guó)國(guó)際出口有限公司總裁約克J史密斯先生在商業(yè)銀行開(kāi)立有數(shù)個(gè)賬戶。正式商務(wù)賬戶于1997年9月開(kāi)立，金融市場(chǎng)賬戶于1999年8月開(kāi)立。先在敝銀行的全部存款余額為883，360.00美元。 其賬戶信譽(yù)一貫良好。 謝謝， 致禮,銀行資信證明樣本 2,_ _銀行 香港分行客戶資信簡(jiǎn)介函

13、茲應(yīng)我行客戶 有限公司COMPANY LIMITED要求對(duì)該公司資信出具簡(jiǎn)介如下： 成立日期： 年月日 營(yíng)業(yè)地址：香港道 號(hào)大廈座字樓 室： （舊地址：香港號(hào) 商業(yè)大廈 字樓） 組織：有限公司； 董事： 先生、女士； 注冊(cè)資本：港幣 萬(wàn)元； 實(shí)收資本：港幣 萬(wàn)元； 經(jīng)營(yíng)行業(yè)：醫(yī)藥原料、化工原料、醫(yī)制劑； 往來(lái)情況：該公司于一九年月日在我行開(kāi)戶，往來(lái)情況正常，我行給予該公司有位數(shù)字之授信，并有押匯業(yè)務(wù)經(jīng)我行敘做，過(guò)程滿意，對(duì)一般正常商業(yè)往來(lái)可資信賴。,THE _BANK HONG KONG BRANGH Hong Kong 01/25/2006Dear sirs, We confirm that

14、 _ Corporation is a valuedcustomer of this bank with an authorized capital of _ and a paid-up capital of _ and has maintained a well-conductedcurrent account. It enjoy a substantial amountof our banking facilities in the range of minimum 6(or 8) figures and our relationshiphas been entirely satisfac

15、tory.We consider the corporation to be highlyrespectable and undoubted for their normalbusiness engagements and that it is able tofulfill contractual obligation it enters into. The above information is provided in strictconfidence and without any responsibility onthe part of the bank or its officers

16、.,*資本信用證書(shū)須是銀行負(fù)責(zé)人簽名的正本內(nèi)容須有公司的資金和信譽(yù)兩項(xiàng)。 *The credibility letter should be in its original form and signed by a responsible member of the bank and should contain such information as registered and paid-up capital as well as the credibility of the company.,資信證明書(shū)（標(biāo)準(zhǔn)格式樣本） 編 號(hào)： 年 號(hào) 簽發(fā)日期： 年 月 日 （證明書(shū)接受人） ： （被

17、證明人） 因 （資信證明用途） 委托我行（部）對(duì)其資信狀況出具證明書(shū)，經(jīng)確認(rèn)具體情況如下： （被證明人） 在我行（部）開(kāi)立有結(jié)算帳戶。自 年 月 日開(kāi)始，到 年 月 日止， （被證明人） 在我行（部）辦理的各項(xiàng)信貸業(yè)務(wù) （有/無(wú)）逾期（墊款）和欠息記錄，資金結(jié)算方面 （有/無(wú)） 不良記錄，執(zhí)行結(jié)算紀(jì)律情況 （良好/不好） 。,證明人聲明： 1我行（部）只對(duì)本證明書(shū)所指明期間內(nèi)，被證明人在我行（部）償還貸款及利息、資金結(jié)算和執(zhí)行結(jié)算紀(jì)律情況的真實(shí)性負(fù)責(zé)。我行（部）對(duì)本證明書(shū)所指明期間之前或之后上述情況發(fā)生的任何變化不承擔(dān)責(zé)任。 2本證明書(shū)只用于前款特定用途，不得轉(zhuǎn)讓，不得作為擔(dān)保、融資等其他事項(xiàng)

18、的證明。 3本證明書(shū)為正本，只限送往證明接受人，涂改、復(fù)印無(wú)效。我行（部）對(duì)被證明人、證明書(shū)接受人運(yùn)用本資信證明書(shū)產(chǎn)生的后果，不承擔(dān)任何法律責(zé)任。 4本證明書(shū)經(jīng)我行（部）負(fù)責(zé)人或授權(quán)代理人簽字并加蓋公章后方能生效。 5本證明書(shū)包括中英文版本各一份，兩種文字有抵觸時(shí)，以中文文本為準(zhǔn)。 6本證明書(shū)適用中華人民共和國(guó)法律。 7本證明書(shū)的解釋權(quán)歸我行（部）所有。,中國(guó)建設(shè)銀行 行（部）（章） 負(fù)責(zé)人或授權(quán)代理人 （簽名）：,Credit Reference No. Date of issue：(mm /dd /yyyy) To (hereinafter called the Recipient): (

19、hereinafter called the Client) entrusts our bank (hereinafter called the Bank) to issue this credit reference (hereinafter called the Reference ) for . Situation has been confirmed as following： The Client holds (a) settlement account(s) with the Bank. From (mm /dd /yyyy) to (mm /dd /yyyy), the Clie

20、nt held no/some past-due loan(s) or unpaid interest(s) owed to the Bank, had no/some bad record(s) in the aspect of capital settlement during the cooperation with the Bank, and performed well/badly in the the compliance with the regulations regarding settlement.,The statements of the Bank: 1. The Ba

21、nk shall only be responsible for the accuracy of Clients record with the Bank in terms of loan and interest repayment, capital settlement and the compliance with the regulations regarding settlement during the period as indicated hereninabove. The Bank shall not be responsible for any changes arisin

22、g before and after the period as indicated in the Reference. 2. The Reference is null and void for any other purpose, except those stated hereinabove. The Reference shall not be transferred , nor be uesed for guarantee , financing or any other purpose.,3. The Reference is the original one , limited

23、to be sent to the Recipient and it shall be invalid upon being altered and duplicated . The Bank shall hold no legal responsibility for the consequence arising from the application of the Reference by the Client and the Recipient. 4. The Reference shall take effect upon the execution by undertaker o

24、r authorized representative of the Bank with the bank seal affixed 5. This Reference is written in Chinese and English. In the event of any discrepancy between the Chinese and English version, the Chinese version shall prevail. 6. The Reference shall be governed by the laws of Peoples Republic of Ch

25、ina. 7. The Reference is subject to the interpretation of the Bank.,China Construction Bank , (Branch /Sub-branch/ Department) . (Bank Seal) Authorized Signature :,Practice,Now study sample 1 an inquiry about a company and translate it into Chinese Exercises 1 & 2 : P.51, 52,.,Dear sir, We have rece

26、ived a sudden bid from Freemen Brothers Company, London, with which you are now doing business and the firm gives us your name as a reference 我方突然收到倫敦福利門兄弟公司的遞價(jià).該公司現(xiàn)與貴公司有業(yè)務(wù)往來(lái)，并把貴公司作為證明人告訴了我公司。,.,We shall appreciate it if you will let us have the following information: 1. How long have you been in bu

27、siness relations with the firm? 2. What credit limit have you placed on their account? 3. How promptly are terms met? 4. What amount is currently outstanding? 如蒙提供下列資料，我方將不勝感激： 貴公司與該公司業(yè)務(wù)往來(lái)已有多久？ 貴公司給該公司的信貸額有多大？ 該公司還帳是否及時(shí)？ 目前該公司欠帳多少？,.,Any information you may give us will be treated as strictly confid

28、ential and expenses accruing from this inquiry will be gladly paid by us upon receipt of your bill. 貴公司提供的所有資料，我方將以嚴(yán)格保密，所有費(fèi)用在接到貴公司帳單后立即由我公司支付。,Dear Sirs, Re: Your Inquiry No.119 of April 14 Regarding Freemen Brothers Co., London In reply to the above inquiry, we are pleased to enclose a copy of the

29、Report on Freemen Brothers Company, London. Please note that the information is furnished at your request without any responsibility whatsoever on the part of this Bank or on any of its officers. It is a condition of this letter that the name of this Bank will not be disclosed in the event of our re

30、port being passed on to your clients. Yours truly,.,In reply to the above inquiry, we are pleased to enclose a copy of the Report on Freemen Brothers Company, London. Please note that the information is furnished at your request without any responsibility whatsoever on the part of this Bank or on an

31、y of its officers. 現(xiàn)答復(fù)貴方4月14日第119號(hào)詢函，我方高興地隨函附上該公司的報(bào)告一份。請(qǐng)注意該資料是應(yīng)貴方要求而提供的，本行或本行任何工作人員對(duì)此不負(fù)任何責(zé)任。,.,It is a condition of this letter that the name of this Bank will not be disclosed in the event of our report being passed on to your clients. 本函有一個(gè)條件，即在把我方的報(bào)告轉(zhuǎn)告貴方的客戶時(shí)，請(qǐng)勿泄露我行的名稱。,Steps writing letters of cr

32、edit enquiry,Taking the correspondences above as samples, content of correspondence about credit inquiry is generally made up of the following parts: 調(diào)查的原因，并表明要求得到某一公司的資信資料。 請(qǐng)求獲得相關(guān)資信的細(xì)節(jié)。 保證保密。 感激的話。,Task,Now read the sample letters on p.46- 47 and find the expressions which indicate the four moves.,

33、調(diào)查的原因，并表明要求得到某一公司的資信資料 1) We have received an order of $50,000 from Thomas Wilson Co. Ltd, and they have identified you as a reference,2) We have received a letter from Auto Engineering Co. Ltd in Nigeria, expression their desire to enter into business relations with us on condition that we allow th

34、em a standing credit of US$ 50,000 to start business.,3) As we are on the point of transacting some important business with them, we should like to know exactly how their credit stands,4) We understand that you have regular transactions with the firm. So we take the liberty to ask you to give your v

35、iews concerning the actual position of the firm,請(qǐng)求獲得相關(guān)資信的細(xì)節(jié) 1) You are kindly requested to provide us with the information about credit and business operation of Smith Import Company,2) Before we grant credit of this amount we should be obliged for any information you can give us about their financi

36、al standing, the extent of their business, and their reputation for meeting obligations. 3) Will you please inform us, in confidence, of the extent of their resources and their reputation as well,4) We shall appreciate your providing us with an opinion as to the credit standing, respectability and r

37、esponsibility of the following firm. 5) Will you please let us know what your experience has been in your dealing with him?,6) We should be grateful if you would say whether you think they are likely to be reliable for a credit up to US$10,000. 7) We shall appreciate it if you will let us know their

38、 financial position. 8) We should be pleased to know whether they have the reputation of paying promptly.,9) I shall feel under great obligation if you will advise me confidentially respecting the reputation they enjoy among your neighbors and correspondents.,保證保密,1) Any information you give us will

39、 be highly appreciated and kept in strict confidence. 2) Any information you may give us will be treated as strictly confidential and expenses concerned from this inquiry will be gladly paid by us upon receipt of your bill.,3) Any information you may give me will, of course, be treated as strictly c

40、onfidential. 4) Please be convinced that all the materials you supply to us will be kept in absolute secret, for which you will not take any responsibilities.,5) Any information you send us will be held in strict confidence. 6) Any information you may give us will be treated as strictly confidential

41、 and expenses accruing from this inquiry will be gladly paid by us upon receipt of your bill.,7) We should of course treat as strictly confidential any advice you tell us and be only too pleased to perform a similar service for you should the opportunity ever arise.,Expressing hope,1) Thank you for

42、help in this matter. 2) We are looking forward to your earliest reply. 3) We thank you in advance.,4) We are awaiting your early reply. 5) We enclose a stamped and addressed envelope for your reply.,回復(fù)資信函,一般信息情報(bào) 良好信息 不良信息,The above information is strictly confidential and is given without any ?respo

43、nsibility on this bank,一般信用情報(bào),根據(jù)加爾各答的銀行通知, 該公司是由C. E. 史密斯先生在1947年創(chuàng)立的, 其主要業(yè)務(wù)為藥品、水泥、紙張及乳制品等貨物的進(jìn)口與購(gòu)買。 Calcutta bankers advise that the company was originally established in 1947 by Mr. Charles E. Smith, to conduct a business in chemicals, cement, paper, milk-products, etc., as importers and indentors.,

44、據(jù)我們所得到的情報(bào): 該公司為新創(chuàng)立的公司, 1946年9月創(chuàng)立時(shí), 其登記資本額為50,000美元, 但股東實(shí)際上繳納金額總計(jì)僅為500美元而已。 We are informed: The company is a newly-formed corporation, having been chartered in September of 1946 with an authorized capital of $50,000 with only $500 recorded as having been paid in.,信用良好的情報(bào),We inform you that we can gi

45、ve nothing but favourable information about the firm in question. 我們只能向您報(bào)告, 該公司在各方面均博得好評(píng)。,該公司的資金雄厚, 其信用可以說(shuō)“無(wú)限”, 而其高級(jí)職員可稱之為精明強(qiáng)干。 They command considerable funds and an unlimited credit, and the executives are thorough business men.,該公司自創(chuàng)辦至今雖然時(shí)間很短, 但在實(shí)業(yè)界已有相當(dāng)信用, 然而仍不能算是富有的公司。 We learned that though the

46、y had not been long established, stood pretty well, but were not supposed to be rich.,昨天接到貴函, 我們很樂(lè)意向您報(bào)告有關(guān)查詢事項(xiàng)。該公司博得此間客戶極大信賴,特此復(fù)函。 Replying to your letter of yesterdays date, we are happy to inform you that the house referred to enjoys an unlimited credit.,該公司在實(shí)業(yè)界頗受尊敬、信譽(yù)很高。 The firm enjoys the fulles

47、t respect and unquestionable confidence in the business world.,信用不良,In the past three years, the company has experienced a serious difficulty in finance and delayed in executing their normal payment. It seems to us that the companys difficulties were due to bad management and in particular to overtrading.,It is true that we had business with them during the past few years, but the amount of business was not so large that we c