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(一)1.1930年全球人口大约为20亿,1960年上升到30亿,1974年达到40亿,1987年突破50亿,1999年达到60亿目前,世界人口约为64亿如计划生育措施有效实施,世界人口在2050年将有望被控制在89亿左右2.青岛,占地一万零六百五十四平方公里,人口六百四十九万,是中国十四个沿海开放城市之一,它去年的出口额为五十七亿五千万美元3. In 2001 GDP in Cambodia was US$3.39 billion with gross product per capita of US$275. Foreign trade volume was US$2.647 billion while tourism revenue was US$242 million.4. It was estimated that there were 1196 factories in Vientiane in 1998, among which 93 were foreign invested. In 2000, per capita income was US$850.1.World population was about 2 billion in 1930, 6 billion in 1960, 4 billion in 1974,more than 5 billion in 1987 and reached 6 billion in 1999. Now the population is around 6.4 billion. If family plan works, it will be hopefully controlled within 8.9 billion in 2050.2.Qingdao, with an area of 10,654 square kilometers and a population of 6,490 000, is one of the fourteen open coastal cities in China. Its export volume last year was US$5.75 billion.3. 2001年柬埔寨国内生产总值33.9亿美元,人均生产总值275美元,对外贸易总额为 26.47亿美元,旅游收入2.42亿美元4. 据统计,1998年万象市有工厂1196家,其中外资93家,2000年人均收入850美元(二)1. When we open a letter of credit with a bank, well have to pay a margin. 2. Could you accommodate us with a Usance L/C, say 30 days or 60 days after sight? 3. The underwriters are responsible for the claims as far as they are within the scope of cover. 4. We assure you that the goods can be shipped by the first available steamer in May.5. Well not pay until shipping documents for the goods have reached us and time is due. 6. 这次的通融只是针对这笔交易,下不为例7. 通常保险的范围写在基本保险单和各种险别的条款里 8. 因为这里的保险公司承保此种险别有5%的免赔率 9. 这样从装船到我们的零售商收到货物,总共要用四五个星期 10. 从你们这儿到我方港口每个月只有一两个航班,而从香港到我方港口的船却相 当频繁 1. 当我们向银行申请信用证时,我们得支付手续费2. 你们能否通融一下,接受远期信用证,比如30天期或60天期的?3. 只要是在保险责任范围内,保险公司就应负责赔偿 4. 我们保证在五月份将货物装上第一条便船5. 见不到货物运输单据,没到期,我们都不付款6. This accommodation is only for this transaction, and will not set a precedent.7. Usually, the extent of insurance is stipulated in the basic policy form and in the various risk clauses.8. Because the insurance company here insures this risk with a 5% franchise.9. After shipment, it will be four to five weeks altogether before the goods can reach our retailers.10. There are only one or two sailings a month from here to our port, while sailings from Hong Kong are quite frequent. (三)A: Shall we have a talk about terms of payment today? 我们今天谈谈付款条件怎么样? B: 当然可以您希望用什么方式付款?Sure. What is the mode of payment you wish to employ? A: We wish to pay by D/A or D/P terms.我们想用承兑交单或付款交单方式付款B: 我们不能接受这些方式我们要求用不可撤销的金额为全部货款并以我方为抬 头人的信用证,凭即期汇票支付We cannot accept these arrangements. For payment we require 100% value, irrevocable L/C in our favour available by draft at sight. A: Im sorry to hear that. Could you make an exception this time and accept D/P or D/A? You can draw on us just as if there were a letter of credit. 很遗憾听到你们这么说这次你方能否破例一次,接受付款交单或承兑交单方式?你们就当作有信用证一样,向我方开汇票托收B: 很抱歉,我们不能接受付款交单或承兑交单方式我们的惯例是坚持用信用证付款We regret we cannot accept payment by D/P or D/A. It is our usual practice to insist on payment by L/C.A: A letter of credit would raise the cost of our imports. When we open a letter of credit with a bank, well have to pay a margin. That will not only tie up our money but also increase our cost.用信用证支付会增加我们的进口成本当我们向银行申请信用证时,我们得支付手续费这样不仅占压资金还增加成本B: 恐怕我无能为力你们可以跟银行协商将手续费降到最低限度以后的交易我们也 许可以考虑一下是否采取付款交单的支付方式但是目前,恐怕我们只能坚持采用我 们惯用的付款方式Im afraid I can do nothing about it. You can talk with your bank to reduce the margin to the minimum. And we can consider D/P terms for our future dealings. But at present we can only accept our usual terms. A: Is the credit at sight or after sight? 信用证是即期的还是远期的?B: 即期At sight. A: Could you accommodate us with a Usance L/C, say 30 days or 60 days after sight? If you cannot be more flexible, we wont accept your terms of payment. 你们能否通融一下,接受远期信用证,比如30天期或60天期的?如果你们不能更灵活些,我们将不接受你方付款方式B: 好吧,考虑到这是我们的第一次交易,我们这次就接受30天期信用证了但我想说清 一点,这次的通融只是针对这笔交易,下不为例All right. In view of the fact that this is our first transaction, we accept 30 days L/C this time. But Id like to make clear that this accommodation is only for this transaction, and will not set a precedent.A: OK, thank you for your kindness. 太好了,谢谢 B: 对了,你们的信用证必须在五月初到达我处,否则我们就赶不上船期了By the way, your L/C shall reach us in early May, otherwise we cannot catch the shipment.A: No problem. But you should assure us of the quality. 没问题,但你们得保证质量 B: 你尽可放心,我们产品一向质量优良,至今还没收到关于质量问题的索赔呢A: Good. Thats why we choose you as the partner. 好的这也是我们选择你作为合作伙伴的原因嘛 B: 我们将开出光票向你方收取这批货的货款希望你们准时付款We will draw a clean draft on you for the value of this shipment and hope you can honour the draft duly.A: Well not pay until shipping documents for the goods have reached us and time is due. Payment might be refused if anything goes wrong with the documents. 见不到货物运输单据,没到期,我们都不付款如果单据有问题,当然可以提出拒付B: 我们会注意的We will take care.A: Mr. Li, shall we go on to the insurance? 李先生,我们可以谈谈保险问题了吗?B: 请吧Yes, please.A: Whats your usual practice? 你们的惯例是怎样的?B: 货物的保险将由我方以CIF价的110%投保如果要求投保附加险,额外保险费将由 买方自理Insurance of the goods is to be covered by us for 110% of the CIF value, and any extra premium for additional insurance, if required, shall be borne by the buyers. A: What about the premium? 保险费是多少B: 保险费是根据投保险别的保险费率计算的The premium is calculated according to the premium rate or rates for risks to be covered. A: Then what risks do you usually cover for this nature of goods?你们通常为这类货物投保什么险? B: 在买方没有具体要求的情况下,我们通常投保平安险和战争险We usually cover FPA and War Risks only in the absence of the buyers detailed requirements.A: Does the risk cover breakage?这类险包括因破碎造成的损失了吗?B: 不我们也很少为这种货物投保破碎险因为这里的保险公司承保此种险别有5%的 免赔率也就是说,如果破碎率没达到5%,就不会得到赔偿No. And we seldom cover breakage risk for this kind of goods. Because the insurance company here insures this risk with a 5% franchise, which means when the breakage is not up to 5%, no claim for compensation will be entertained. A: I cannot follow you. Could you be more specific? So far as I can understand the underwriters are responsible for the claims as far as they are within the scope of cover.我不太明白你能讲得更详细些吗?据我所知,只要是在保险责任范围内,保险公司就应负责赔偿B: 当发生破碎时,保险商拒绝支付此项索赔,不是因为没有投保破碎险,而是因为这种险 是按5%的免赔率承保的因此5%以内的损失不包括在他们承保的范围内通常保险 的范围写在基本保险单和各种险别的条款里阅读保险单上的“细则”对你是十分重要的,这样就能知道你要买的保险包括哪些项目Well, when any breakage occurs, the underwriters decline to pay the claim not because that breakage is uncovered, but that the risk is insured with a 5% franchise. So the loss within the 5% is beyond the coverage granted by them. Usually, the extent of insurance is stipulated in the basic policy form and in the various risk clauses. Its important for you to read the “Fine Print” in any insurance policy so that you know what kind of coverage you are buying. A: I see. In this case, I suppose FPA and War Risks are the only choice we can make.我明白了这样的话,我想平安险和战争险是惟一的选择了 B: 不是惟一的,是最好的选择Not the only choice but the best choice.A: OK. How will the premium be paid?好吧怎么支付保险费呢? B: 我们将从支付你方的5%的佣金中扣除保险费你方5%的佣金是按扣除运费和保险 费的发票金额来计算的We will deduct the premium from your commission of 5% payable to you.Your 5% commission will be calculated on the basis of invoice value after the deduction of freight and insurance. A: Thats reasonable. 很合理B: 装船后,我到保险公司去投保After loading the goods on board the ship, Ill go to the insurance company to have them insured. A: Great. 太好了B: 好吧,保险问题就谈到这里All right. Lets leave insurance now.A: We finally come to terms. We assure you that the goods can be shipped by the first available steamer in May. 我们终于达成交易了我们保证在五月份将货物装上第一条便船B: 五月交货太晚了我们希望四月底前交货,否则就赶不上季节了It will be too late for us. We expect the shipment before late April, otherwise, we are not able to catch the season.A: The earliest shipment we can make is early May. 五月初是我们能够做到的最早交货日期B: 你要知道,通过销售渠道起码要花上两三个星期这样从装船到我们的零售商收到货 物,总共要用四五个星期 You know, it usually takes at least a couple of weeks to flow through the marketing channels and after shipment, it will be four to five weeks altogether before the goods can reach our retailers. A: I understand, but.我明白,但是B: 你们能否想些办法提前交货?Could you do something to advance your time of shipmentA: All right, I will get in touch with our factories immediately to urge them to fasten the delivery. But I would like to make clear that owing to heavy commitments, they may not be in a position to advance delivery from May to April.好吧,我会立即与厂方联系,催促他们赶快交货但我得说清楚,由于交货任务繁重,他们不一定能把交货日期从五月份提前到四月份B: 四月份交一半货,其余的五月份交,怎么样? How about delivery of 50% in April and the balance in May?A: Ill have to look into the stock position. And Im not sure if we are able to get the necessary shipping space. 我得查一下库存情况再说我不敢肯定我们是否能订到必要的舱位 B: 那你们原来的安排是什么?What was your arrangement then?A: We previously planned to book the shipping space on S.S. Peace, which is scheduled to sail on or about the 20th of May. 我们原来打算订“和平轮”的舱位,预计五月二十日左右开航 B: 我刚想起来了,还有一种可能能确保交货It has just occurred to me that there is still another possibility to ensure the delivery of the goods.A: What do you have in mind? 你有什么想法?B: 你可以从香港转运从你们这儿到我方港口每个月只有一两个航班,而从香港到我方 港口的船却相当频繁如果在香港转船,我们收到货物的时间就会早很多You can transship the goods via Hong Kong. There are only one or two sailings a month from here to our port, while sailings from Hong Kong are quite frequent. If shipments were transshipped via Hong Kong, we could receive the goods much earlier. A: Sounds great! But I have to check. 听起来不错,但我还得查一下B: 好吧OK.(四)1A letter of credit gives a banks promise to pay the exporter once the exporter has complied with all the terms and conditions of the letter of credit. Payment under a documentary letter of credit is based on documents, not on the terms of sale or the physical condition of the goods. The letter of credit specifies the documents that are required to be presented by the exporter, such as an ocean bill of lading, original and several copies, consular invoice, draft, and an insurance policy. The letter of credit also contains an expiration date. Before payment, the paying bank who is responsible for making payment, verifies that all documents conform to the letter of credit requirements. If not, the discrepancy must be resolved before payment can be made and before the expiration date. 信用证为出口方提供了银行担保,保证一旦出口方按照信用证所有条件条款执行合同即付款在跟单信用证下,不是根据合同条款或货物状况而是根据单据来决定付款与否信用证会规定出口方需提交的单据,如海运提单(正副本),领事发票,汇票和保险单信用证还规定了有效期在付款前,负有付款责任的付款行需证明所有单据与信用证规定相符,如果不符,须在付款前信用证有效期前纠正2保险是大买卖保险的目的是赔偿投保人事先预测的风险给他的生命财产和生意带来的损失保险主要有两种:人寿保险和通险通险是指火险海险包括偷窃雇员忠诚险雇主责任险在内的杂险和机动车辆险活牲畜保险作物保险保险合同是一方承诺,如发生火灾或死亡等意外事故时,赔偿另一方一定金额的损失 Insurance is big business. The aim of all insurance is to compensate the owner against loss arising from a variety of risks, which he anticipates, to his life, property and business. Insurance is mainly of two types, life insurance and general insurance. General insurance means Fire, Marine and Miscellaneous insurance which includes insurance against burglary or theft, fidelity guarantee, insurance for employers liability and insurance of motor vehicles, livestock and crops. A contract of insurance is a contract by which one party u
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