《金融英语听说》Unit5

Unit5FinancialInstrumentsShortDialogsMultipleChoiceScripts&AnswersDialog1M:Idon’tknowwhythepresentationofmycheckforpaymentisrefusedbythepayingbank.W:Letmehavealook.Oh,Isee.Yourcheckiswritteninleadpencil.Itisnotacceptedbyanybank.Youshouldwriteitinink.M:Isee.Thankyouverymuch.W:Andyourcheckhasnosignaturebythewriter.Itisinvalid,Ithink.Itisafalsecheck.Areyouthenamedpayee?Wheredidyougetthecheck?Youarekidding,aren’tyou?M:Don’tgetmad,I’mkidding.Ionlywanttoknowhowmuchyou’velearntaboutacheck.Question:Whatdoyouknowaboutthecheckmentionedintheconversation?(C)译文男：我不知为什么付款行拒绝了我的支票提示付款。女：我看看。哦，我知道了。您的支票是铅笔填写的。没有哪家银行会接受这种支票。您应该用钢笔填写支票。男：我知道了。非常感谢。女：还有，您的支票没有签发人的签名。这种支票是无效的。这是一张假支票。您是支票的收款人吗？你从哪里得到的这张支票？你在开玩笑，对吧？男：别生气，我是开玩笑的。我只是想了解有关支票你知道多少。Dialog2W:DidyouhearaboutwhathappenedtoMr.Williamslastweek?M:Yes,I’veheardit.PoorWilliams.Itisagreatlosstohim,anyway.W:Absolutely.5,000dollarsisnotasmallamountofmoney.Heshouldnothaveissuedanopencheckpayabletobearer.Anyonewhogotitwouldhavetherighttopresentitforpaymenttothepayingbank.Itisnotthepayingbank’sdutytoverifythepayee’slegalidentity.M:Hehimselfmaybetoblamefortheloss.Question:WhathappenedtoMr.Williams?(A)译文女：您听说了威廉姆斯先生上周的遭遇吗？男：听说了。可怜的威廉姆斯。对他来说这可是个很大的损失。女：确实是。5,000美元可不是一个小数目。他不该签发普通支票给持有人。任何人得到这张支票，都可以到付款行兑现。付款行没有义务去确认收款人的身份是否合法。男：只能是他自己承担这一损失。Dialog3W:Excuseme,ProfessorChen.Couldyoutellmesomethingaboutthespecialcrossing?Idon’tunderstandit.M:Noproblem.Thespecialcrossingisthestampofthenameofthecollectingbankonthefaceofacheck,usuallymadebythecollectingbank.Thepurposeistoinformthepayingbanktocredittheamountofthecheckonlytothenamedbank’saccount.W:Soitactsasanordertothepayingbankintheserviceofcleancollectionofsomefinancialinstruments.Thanks,ProfessorChen.I’vegotitnow.M:Youarewelcome.Question:Whatwillthepayingbankdoifthereisacheckwithaspecialcrossingonit?(B)译文女：打扰了，陈教授。您能告诉我什么是特别划线吗？我不懂这个。男：没问题。特别划线是指盖在支票正面的有代收行名称的印章，通常是代收行盖的，其目的是通知付款行把支票金额付到划线指定的银行账户。女：所以在金融工具的光票托收中，特别划线的作用就是给付款行付款指令。多谢，陈教授。我现在懂了。男：不用谢。ForReference支票分普通支票（opencheck）和划线支票（crossedcheck）。普通支票可直接到付款行提示兑现。划线支票分为一般划线支票（generalcrossing）和特别划线支票（specialcrossing）。一般划线支票由持票人本人提示支票并请银行收款存入持票人的账户。特别划线支票是在平行线中写明具体代收银行的名称，表示该款项必须贷记到划线指定的银行账户。cleancollection光票托收，指委托银行从国外付款人处收取支票或汇票款项的业务，因为只涉及金融票据的收款，不涉及运输单据的交付，因此称为光票托收。Dialog4M:Ifacustomerfoundhisbanker’sdraftlost,whatshouldhedo?W:Heshouldreportthelosstothedrawerbankandthedraweebankassoonaspossible.M:Willthedraftbepaidtothenamedpayeeafterthelossisnotified?W:Itdepends.Ifthedraftispresentedforpayment,thedraweebankwillverifytheidentityoftheholder.Ifheisentitledtogetthepayment,thedraftwillbepaid.Question:Whatwillthedraweebankdoafterbeinginformedofthelossofadraft?(C)译文男：如果客户发现他的银行汇票丢失，他应该做什么？女：他应尽快通知出票行和受票行。男：汇票挂失后，指定的收款人是否还可以拿到付款？女：那要看情况。假如汇票提示付款，付款行会审核持票人的身份。如果他有权得到付款，付款行会付款给他。ForReferencebeentitledto有权…ShortAnswerQuestionsScripts&AnswerDialog1W:Couldyoupleasetellmehowtocalculatethedateofpaymentofanaccepteddraft?M:Noproblem.Whileausancedraftisaccepted,thedateofpaymentiscalculatedbyexcludingthedateofacceptanceandbyincludingthedateofpayment.W:Allright.Itmeansthatwewillcompletelyignorethedateofacceptanceinthecalculation.Question:Whatisthedateofpaymentifthebillispayableat30daysaftersightanditisacceptedonJuly7th?OnAugust6th.译文女：你能告诉我怎样计算承兑汇票的付款日期吗？男：没问题。假如一张远期汇票被承兑，付款日期的计算是除去承兑日，包含付款日。女：知道了。就是说我们计算时可以不把承兑日计算在内。Dialog2M:I’mtoldthatacheckisaspecialformofbillofexchange.Wouldyoupleasetellmethedifferencebetweenthem?W:Allright.Acheckisthesameasabillofexchangeinthedefinitionasanunconditionalorderinwritingdrawnbythedrawerorwritertothedrawee,andsignedbythedrawer,requiringthedraweetopayasumcertaininmoneytoortotheorderofaspecifiedpersonortothebearer.Thedifferenceisthatthedraweeofacheckmustalwaysbeabankanditmustbepayableondemand.Andthedrawerofadraftmaybeabanker,anindividualoranentity,anditwouldbepayableondemandoratafixedordeterminablefuturetime.M:Sothereisnousancecheckortenorcheckbutusanceortenordraft.Question:Whatisthedifferencebetweenacheckandadraft?Thedifferenceisthatthedraweeofacheckmustalwaysbeabankanditmustbepayableondemand.Andthedrawerofadraftmaybeabanker,anindividualoranentity,anditwouldbepayableondemandoratafixedordeterminablefuturetime.译文男：我听说支票是一种特殊形式的汇票。请您告诉我它们两者间的区别，好吗？女：行。支票的定义与汇票相同的是，支票也是由出票人或签发人开给受票人并且由出票人签名的无条件付款命令，要求受票人将指定的金额以货币的形式支付给指定的收款人或持票人。其不同之处是支票的受票人必须是银行，而且是即期付款。但汇票的受票人可以是银行，也可以是个人或者某企业单位，付款可以是即期，也可以是远期或定期。男：因此没有远期支票，只有远期汇票。Dialog3W:Oh,I’mpuzzledoverthedifferentbillsofexchangeandtheclassificationofalocalbillandaforeignbill.M:Well,don’tworryaboutit.Itisonlyapieceofcake,anyway.Accordingtotheplaceofdrawingandpayingofthedraft,abillmaybeclassifiedasalocalbillandaforeignbill.Ifthedrawingandpayingofthedrafttakeplaceinonecountry,itisaninlandbilloralocalbill.Ifthedrawingofthebillhappensinonecountryandthepayingoracceptinginanothercountry,itisaforeignbill.W:Allright.Now,hereisasightdraft.ThedrawerisaforeignerinGuangzhouandthedraweeisaChinesecompanyintheUnitedStateandthenamedpayeeisinJapan.Isitalocalbill?M:Absolutelynot.ItisaforeignbillbecauseboththepayeeandthedraweearenotinChina.ButifthedraftisdrawnpayableinRMB,itisahomemoneybill.IfitisdrawnpayableinUSdollars,itisaforeignmoneybill.Question:Whatisthedifferencebetweenalocalbillandaforeignbill?Ifthedrawingandpayingofthedrafttakeplaceinonecountry,itisaninlandbilloralocalbill.Ifthedrawingofthebillhappensinonecountryandthepayingoracceptinginanothercountry,itisaforeignbill.译文女：唉，我总是搞不清各种汇票，不知道如何分辨本国汇票和外国汇票？男：好了，别急，小问题而已。根据汇票的出票地和付款地，汇票分本国汇票和外国汇票。本国汇票通常指票据的出票和付款都在同一个国家的汇票。如果汇票的出票在一个国家，付款或承兑在另一个国家，那它就是外国汇票。女：知道了。我这儿有一张即期汇票，出票人是在广州的一个外国人，受票人是位于美国的一家中国公司，指定的收款人在日本，它是本国汇票吗？男：绝对不是。是外国汇票，因为付款人和收款人都不在中国。但如果汇票指定用人民币付款，它叫做本国货币汇票，如果汇票指定用美元付款，它是外国货币汇票。ListeningandSimulatingScripts&AnswersDialog1W:Well,now,whocantellwhenthepresentationforacceptanceisnecessaryindocumentarycollections?M:Letmehaveatry,Professor.I’velearntthatinthefollowingthreecasesthepresentationforacceptanceisnecessary:1)whenabillisdrawnpayableaftersight,2)whenabillstipulatesexpresslythatitmustbepresentedforacceptance,and3)whenabillisdrawnpayableinadifferentplaceotherthantheplaceofacceptance.译文女：好了，现在谁来说说在跟单托收中什么情况下需要提示承兑？男：让我试试，教授。我知道在下面三种情况下，需要提示承兑：1）开立的汇票是见票后付款；2）汇票明确规定需要承兑；3）汇票的付款地点不是承兑地点。ForReferencedocumentarycollection（跟单托收）是指交易一方（出口商）依交易合同委托其银行（托收行或委托行），凭一定的商业单据（物权单据、运输单据、发票、履约凭证及/或其他单据）及金融票据（汇票/其他付款凭证），通过交易对方（进口商）的银行（代收行）收取交易款项的结算方式。跟单托收分付款交单（documentsagainstpayment简称D/P）和承兑交单（documentsagainstacceptance简称D/A）。承兑交单指受票人承兑远期汇票后，代收行将提单放行给承兑人。Dialog2W:Isabillofladingafinancialdocumentasabillofexchange?Theysoundtomeasiftheyweresimilar.M:Oh,no.Youmixthemup,Ithink.Abillofladingisnotafinancialdocument,anyway.Itisacommercialdocument,adocumentoftitletogoods.Itisissuedbytheshippingcompanyorthemasterofaship.Thedocumenthasfourfunctions:1)itcontainstheclausesofthecontractforthecarriage,2)itgivesevidenceoftheshipmentofgoods,3)itmakessurethatthenamedholderofithastherighttoclaimthegoods,and4)itbecomesnegotiablewhenitismadetobesatisfiedwithsomeconditions.译文女：提单和汇票一样是金融票据吗？他们听起来似乎差不多。男：噢，不对。我想你把它们弄混了。提单当然不是金融票据，它是商业单据，货物的物权证明，是船运公司或者轮船船主开出的。提单有四个基本功能：1）它包含货物运输合同的条款；2)它是承运人签发给托运人的货物收据，3）它确定了指定的持有人对货物的所有权；4）当提单符合某些条件时，它就成为可转让单据。ForReferenceAbillofladingbecomesnegotiablewhenitismadetobesatisfiedwithsomeconditions.当提单符合某些条件时，它就成为可转让单据。这里的条件指：1）发货人须对提单做空白背书；2）“收货人”一栏须填写“ToOrder”；3）必须是清洁提单，即无任何关于货物损坏的标注；4）提单须注明货物已装船；5）全套正本提单。Dialog3M:I’mwonderingifIcouldissuesometraveler’schecksformydaughter.Sheisgoingtostudyabroad.Idon’tthinkitissafeforagirltotakesomuchcashwithher.W:Traveler’scheckiscertainlysaferthancashonalongjourney,especiallyforagirloveralongdistance.YoucangotoBankofChinaandapplyforthecheck.Itisnottroublesomeatall.M:Allright.I’mtoldthatinordertoprotectagainstfraud,customersaregenerallyaskedtosignoneachtraveler’scheckwhileissuingthechecksandtocountersignthemwhilethechecksarebeingcashedorpaid.W:Yeah.Thetwosignaturesmustbemadebythesameperson,orthepaymentwillberefusedbythebank.译文男：我正在想是不是给我女儿开几张旅行支票。她要去外国读书。我觉得一个女孩子带很多现金不太安全。女：路途太远时旅行支票肯定比现金安全，尤其是女孩子走这么远的路程。您可以去中国银行申请旅行支票。一点也不麻烦。男：好吧。我听说为了防止诈骗，银行要求客户在开立支票时要在旅行支票上签字，在兑现支票或付款时还要复签。女：是。两个签名必须是同一个人的签名，否则银行会拒绝付款。IIILongConversationsConversation1BillsDiscountingScripts&AnswersW:BankofChina.MayIhelpyou?M:Yes.I’dliketogetsomeinformationaboutbilldiscounting.Couldyoupleasedomeafavor?W:Noproblem,sir.Weoffertheserviceofdiscountingbillsiftheyaresatisfiedwiththerules.Wouldyoupleasetellmethetypeofyourbill?M:Itisverykindofyou,Madam.Mybillisausancedraftpayableat90daysaftersightforRMB6,000yuan.Ithasbeenacceptedbythedraweeandhisbank.OriginallyIdidn’tthinkwe’dhavetodiscountit,butIneedcashatthemomentbecauseoftheshortageofworkingcapital.Youknowthefinancialcrisisnow.CanIdiscountitwithyourbank?W:Well,yourbillisabanker’sacceptanceaccordingtowhatyousay.Wecandiscountsuchbillsataprimediscountrateiftheacceptingbankhasasoundcreditstanding.Couldyoupleasepresentyourbillnow?IthinkI’dbetterhavealookandmakecertainoftheinformationofthebillandtheacceptingbank.M:OK,hereyouare.W:Oh,yes,itisausancedraft.Thedraweeisajoint-venturecompanyinGuangzhouandtheacceptanceismadeonJuly21,2009.Well,payableat90daysaftersight,sotheexpirydateisOctober19,2009.Thepresentationforpaymentoftheacceptancewillbemadein43daysfromnow.Thedrawee’sbankisBankofChina.Allright,sir,Ithinkitcanbediscountedwithoutrecourse.Thecreditstandingoftheacceptingbankandthecreditworthinessofthedraweearebeyondquestion.M:Wonderful.Muchthanks,Madam.Whatisthediscountrate?W:Thecurrentdiscountrateis8%perannum.M:8%perannum.HowmuchcanIgetforthediscounting?W:Letmesee.Well,6,000times(8%over360)times43,wecanget57.33yuan.Thatistheamountyoushouldpaytoourbankfortheservice.Andtheamountyoucangetis5,942.67yuan.M:Verygood.CanIgetthemoneynow?W:Yeah,ofcourse.PleaseshowmeyouraccountnumberandyourIDcardorpassport.Themoneywillbecreditedtoyouraccountrightaway.ForReference无追索权贴现（discountabillwithoutrecourse）指银行按贴现率贴现票据，并且承担全部可能的风险。有追索权的贴现（discountabillwithrecourse）指银行按贴现率贴现票据但不承担任何可能的风险。如果票据到期提示付款遭到拒绝，银行会立即对前持票人提出追索，要求前持票人偿还货款并支付利息等一切费用。译文女：中国银行。请问需要为您做些什么？男：哦。我想了解关于票据贴现的事宜。您能帮帮忙吗？女：当然可以，先生。只要票据符合规定，我们可以提供贴现服务。您能告诉我您的票据是什么类型的吗？男：那就太感谢了，女士。这是一张见票后第90天付款的远期汇票，金额为人民币6,000元。受票人和他的银行已经承兑了汇票。本来我没打算贴现的，但目前我因运营资金短缺急需现金周转。您知道现在的金融危机。我可以在您的银行贴现吗？女：哦，按您的说法，这张汇票是银行承兑汇票。只要承兑行的资信良好，我们可以以优惠贴现率贴现这种汇票。请把汇票给我看看，好吗？我想我最好看看票据，确认它的相关信息以及承兑行的情况。男：行，这是汇票。女：啊，对，这是一张远期汇票。受票人是一家广州的合资公司，承兑时间是2009年7月21日。哦，见票后90天付款，所以到期日是2009年10月19日。从现在算起，承兑的提示付款应该是第43天。受票人的银行是中国银行。行啊，先生，我认为可以无追索贴现此票据。承兑银行的资信和受票人的信用都没有问题。男：太好了。非常感谢，女士。贴现率是多少？女：当前的年贴现率是8%。男：8%。那么贴现后我可以拿到多少钱？女：我算算。嗯，6,000×（8%÷360）×43，结果是57.33元。这是您付给我们银行的贴现费用。您可以拿到5,942.67元。男：很好。可以马上拿到钱吗？女：当然可以。请出示您的账号以及身份证或护照。我们可以立刻把钱付到您的账户。Lecture1Banker’sAcceptanceScripts&AnswersHello,myboysandgirls.Todaywe’llstudybanker’sacceptance.Banker’sacceptanceisaveryoldformofcommercialcredit.Throughitsacceptance,abankaddsitsgoodreputationandcreditworthinesstobills,therebymakingthebillsmuchmorereliableandmarketablethanitwouldotherwisebe.Themechanicsoftheoperationtypicallyworkasfollows:SupposethatanAmericanexportersellswheattoaGermanimporter.ThetermsofthesalescontractstipulatethattheGermanimporterwillpayforthewheat90daysaftertheshipmenthasbeeneffectedandboththeimporterandhisbankshouldmakeanacceptancewhenthedraftandrequiredshippingdocumentsarepresented.Foravarietyofreasons,however,theAmericanfirmmaywantitsmoneynow,andnotwanttowaitforthe90days.Ifso,hemaydrawausancedraftpaya