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 inquiry3.Help students to learn and master key words, phrases and sentence patterns about credit inquiry4.Help
2、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 to a
3、s “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 wish
4、 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 the f
5、irm 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 ar
6、e 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 relia
7、ble. 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 stereotyped.
8、Some large firms make their enquiries on specially printed forms containing questions they would like to have answered.,(1)政治情况：包括客户与其本国政界关系，企业负责人参加的党派等 (2)经营范围：包括客户的业务范围、是实用户还是中间商，经营作法等。 (3)资信情况：包括客户的资金、资产负债情况以及经营作风等。 (4)经营能力：指客户的销售渠道、活动能力等。,Status enquires are usually headed “confidential” or “pri
9、vate 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 of a
10、cknowledgement and thanks should be sent. This is no more than a common courtesy,银行资信证明范本,2000年8月20日 August 20， 2000 中华人民共和国重庆工商管理局 中国，重庆 Peoples Republic of China Chongqing Commercial and Industrial Administration Chongqing， China 关于：美国国际出口有限公司资信证明 Re： Account of American International Export Credi
11、t,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 total ba
12、lance of deposit at our bank for both accounts is US$833， 360.00Their accounts have always been in good standing.Thank you.Sincerely，Signature,敬启者： 兹证明美国国际出口有限公司总裁约克J史密斯先生在商业银行开立有数个账户。正式商务账户于1997年9月开立，金融市场账户于1999年8月开立。先在敝银行的全部存款余额为883，360.00美元。其账户信誉一贯良好。 谢谢， 致礼,银行资信证明样本 2,_ _银行 香港分行 客户资信简介函 兹应我行客户“
13、有限公司COMPANY LIMITED“要求对该公司资信出具简介如下： 成立日期： 年 月 日 营业地址：香港 道 号 大厦 座 字楼 室： （旧地址：香港 号 商业大厦 字楼） 组 织：有限公司； 董 事： 先生、 女士； 注册资本：港币 万元； 实收资本：港币 万元； 经营行业：医药原料、化工原料、医制剂； 往来情况：该公司于一九 年 月 日在我行开户，往来情况正常，我行给予该公司有 位数字之授信，并有押汇业务经我行叙做，过程满意，对一般正常商业往来可资信赖。,THE _BANK HONG KONG BRANGH Hong Kong 01/25/2006 Dear sirs, We con
14、firm that _ Corporation is a valued customer of this bank with an authorized capital of _ and a paid-up capital of _ and has maintained a well-conducted current account. It enjoy a substantial amount of our banking facilities in the range of minimum 6(or 8) figures and our relationship has been enti
15、rely satisfactory. We consider the corporation to be highly respectable and undoubted for their normal business engagements and that it is able to fulfill contractual obligation it enters into. The above information is provided in strict confidence and without any responsibility on the part of the b
16、ank or its officers.,*“资本信用证书“须是银行负责人签名的正本内容须有公司的资金和信誉两项。 *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.,资信证明书（标准格式样本） 编 号： 年 号 签发日期
17、： 年 月 日 （证明书接受人） ：（被证明人） 因 （资信证明用途） 委托我行（部）对其资信状况出具证明书，经确认具体情况如下：（被证明人） 在我行（部）开立有结算帐户。自 年 月 日开始，到 年 月 日止， （被证明人） 在我行（部）办理的各项信贷业务 （有/无）逾期（垫款）和欠息记录，资金结算方面 （有/无） 不良记录，执行结算纪律情况 （良好/不好） 。,证明人声明： 1我行（部）只对本证明书所指明期间内，被证明人在我行（部）偿还贷款及利息、资金结算和执行结算纪律情况的真实性负责。我行（部）对本证明书所指明期间之前或之后上述情况发生的任何变化不承担责任。 2本证明书只用于前款特定用途，
18、不得转让，不得作为担保、融资等其他事项的证明。 3本证明书为正本，只限送往证明接受人，涂改、复印无效。我行（部）对被证明人、证明书接受人运用本资信证明书产生的后果，不承担任何法律责任。 4本证明书经我行（部）负责人或授权代理人签字并加盖公章后方能生效。 5本证明书包括中英文版本各一份，两种文字有抵触时，以中文文本为准。 6本证明书适用中华人民共和国法律。 7本证明书的解释权归我行（部）所有。,中国建设银行 行（部）（章）负责人或授权代理人 （签名）：,Credit ReferenceNo. Date of issue：(mm /dd /yyyy) To (hereinafter called
19、the Recipient):(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 /
20、yyyy), the Client 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
21、Bank: 1. The Bank 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
22、 changes arising 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
23、 one , limited 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
24、by undertaker or 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
25、 Republic of China. 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 ChineseExercises 1 & 2 : P.51, 52,.,Dear sir,
26、We have received 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我方突然收到伦敦福利门兄弟公司的递价.该公司现与贵公司有业务往来，并把贵公司作为证明人告诉了我公司。,.,We shall appreciate it if you will let us have the following information: 1. How long have you
27、 been in business 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?如蒙提供下列资料，我方将不胜感激： 贵公司与该公司业务往来已有多久？ 贵公司给该公司的信贷额有多大？ 该公司还帐是否及时？ 目前该公司欠帐多少？,.,Any information you may give us will be treated as stric
28、tly confidential and expenses accruing from this inquiry will be gladly paid by us upon receipt of your bill.贵公司提供的所有资料，我方将以严格保密，所有费用在接到贵公司帐单后立即由我公司支付。,Dear Sirs,Re: Your Inquiry No.119 of April 14Regarding Freemen Brothers Co., LondonIn reply to the above inquiry, we are pleased to enclose a copy o
29、f 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 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 o
30、ur report 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 o
31、n any of its officers.现答复贵方4月14日第119号询函，我方高兴地随函附上该公司的报告一份。请注意该资料是应贵方要求而提供的，本行或本行任何工作人员对此不负任何责任。,.,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.本函有一个条件，即在把我方的报告转告贵方的客户时，请勿泄露我行的名称。,Steps writing letters of
32、credit enquiry,Taking the correspondences above as samples, content of correspondence about credit inquiry is generally made up of the following parts: 调查的原因，并表明要求得到某一公司的资信资料。 请求获得相关资信的细节。 保证保密。 感激的话。,Task,Now read the sample letters on p.46- 47 and find the expressions which indicate the four moves
33、.,调查的原因，并表明要求得到某一公司的资信资料 1) We have received an order of $50,000 from Thomas Wilson Co. Ltd, and they have identified you as a reference,2) We have received a letter from Auto Engineering Co. Ltd in Nigeria, expression their desire to enter into business relations with us on condition that we allow
34、them a standing credit of US$ 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
35、 views concerning the actual position of the firm,请求获得相关资信的细节 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 finan
36、cial 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
37、responsibility 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.,保证保密,1) Any information you give us will b
39、e 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 con
40、fidential.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 and
41、 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 help
42、 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.,回复资信函,一般信息情报 良好信息 不良信息,The above information is strictly confidential and is given without any ?responsibili
43、ty on this bank,一般信用情报,根据加尔各答的银行通知, 该公司是由C. E. 史密斯先生在1947年创立的, 其主要业务为药品、水泥、纸张及乳制品等货物的进口与购买。 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.,据我们所得到的
44、情报: 该公司为新创立的公司, 1946年9月创立时, 其登记资本额为50,000美元, 但股东实际上缴纳金额总计仅为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“.,信用良好的情报,We inform you that we can give no
45、thing but favourable information about the firm in question. 我们只能向您报告, 该公司在各方面均博得好评。,该公司的资金雄厚, 其信用可以说“无限”, 而其高级职员可称之为精明强干。 They command considerable funds and an unlimited credit, and the executives are thorough business men.,该公司自创办至今虽然时间很短, 但在实业界已有相当信用, 然而仍不能算是富有的公司。 We learned that though they had
46、 not been long established, stood pretty well, but were not supposed to be rich.,昨天接到贵函, 我们很乐意向您报告有关查询事项。该公司博得此间客户极大信赖,特此复函。 Replying to your letter of yesterdays date, we are happy to inform you that the house referred to enjoys an unlimited credit.,该公司在实业界颇受尊敬、信誉很高。 The firm enjoys the fullest res
47、pect 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
48、.,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 can not supply any responsible opinion on the business capability and credit standing.,该公司最近在付款方面几乎没有准则, 我们曾一再催告, 然而毫无结果。 Of late, payments have been quite irregularly made, and more than one occasion we have had to press for them.,对于上月30日贵函所要查询的公司, 我们实在无法报告确切情况, 甚为遗憾。 We regret our inability to tell you anything positive concerning the firm mentioned in your letter of the 30th,
