商务英语unit 3 Credit Inquiry(完成)

UnitthreeCreditInquiryQuestionsaboutlettersofcreditinquiry

Question1:Whyarethecreditandstatusinquiriesimportantintrade?Question2:Howcanwefindtheinformationchannelsaboutcreditinquiry?Question3:Whatcontentdoesthecreditinquiryinclude?BackgroundInformationofcreditinquiryImportanceofcreditinquiry.

Beforeyoustarttodobusinesswithpartnersinforeigncountrieswhoarefarawayfromyou,ifyoudon’tknowhimorherverywell,thenyoushoulddocreditinquiryabouthimorherincaseyouarecheatedbyhimorher.2.Howtodocreditinquiry(1)throughbankandcompanywhichhavebusinessrelationswiththem(2)throughofficesabroad(3)throughcommercialchamberandprofessionaloffices(inquiryagency)oncreditinquiry3.ContentforcreditinquiryItisveryimportanttogetthenecessaryinformationaboutthecompanyconcerning4Cs(credit,character,capital,capacity),whichmeansyoushouldknowaboutitsreputation,financialstatusandbusinessmodebeforeconductingatransaction,especiallytheonethatrequiresalargesumofmoney.(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。ThestructureoflettersofcreditinquiryTakingsomecorrespondencesassamples,contentofcorrespondenceaboutcreditinquiryisgenerallymadeupofthefollowingparts:Partone:调查的原因，并表明目的，要求得到某一公司的资信资料。E.g.Wearepleasedtoreceive….Parttwo:进入询问的有关主题，请对方直言相告。E.g.willyoukindlysendus…;assoonastheseinquireshavebeensatisfactorilysettled,….;forsafety’ssake,weshouldliketoknow…Partthree:保证保密。Inconfidence,….Partfour:说些感激的话，表示感激和诚意。E.g.wesincerelyhopethat….ExampleLetterone:Dearsirs,weareverypleasedtoreceiveyourorderforourgoodstothevalueof(价值为……)＄25000.asthisisourfirsttransactionwithyou,willyoukindlysendusthenamesoffirmsorabanktowhomreferencecanbemade?(makereferenceto提到，涉及)Assoonastheseinquireshavebeensatisfactorilysettled,weshallbepleasedtoshipyourorder.Wesincerelyhopethatthisisthebeginningofalongandpleasantbusinessrelationship.Weshallcertainlydoourbesttomakeitso.Yoursfaithfully,***Examplelettertwo:PrivateandconfidentialDearsirs,WehavereceivedaletterfromtheMaryannCosmeticsCompany,inManhattan,expressingtheirdesiretoenterintobusinessrelationswithusonconditionthat(条件是)weallowthemastandingcreditof＄10000tostartbusiness.Asstatedintheirletter,theirreferenceisthebankofAmerica.(Onnocondition绝对不要)Itisourprincipletohavemoreconnectionsabroad,however,forsafety’ssake,weshouldliketoknowthefinancialandcreditstandingoftheabovementionedcompany,especiallybecausetheyhaverequestedusforastandingcredit,whichweseldomgrantto(准许,授予)newcustomers.Weshouldbeverypleasedifyouwouldassistusinthisrespect,andwecanassureyouthatanyinformationyoumaygiveuswillbetreatedinabsoluteconfidence.Yourssincerely.Thestructureofthereplyofcreditinquiryletter1:答复关于信任询问时，银行提供的资料通常会比较客观和公正，而厂商的答复则会比较主观。因此，作出判断前，应该以综合的意见作为评判标准。Thecontentofcorrespondenceaboutthereplyofcreditinquiry（favorablereply）isgenerallymadeupofthefollowingparts:Part1:

表明写信的目的e.g.inreplytoyourletter…Part2:针对被询问公司有关各情况进行回答e.g.thecompanyyoumentionedis….Part3:补充注意事项wemustaskyou…ExampleLetterthree:Dearsirs,InreplytoyourletterofJuly10,wegiveyouthefollowinginformation.Thecompanyyoumentionedisanold-establishedonewhichhaslongenjoyedthehighestreputation.(享有)Wehavedonebusinesswiththemformanyyearsandhavefoundthemveryreliable.Thoughthisinformationisgiventothebestofourbelief(依某方的信念),wemustaskyoutotreatitinstrictconfidenceandwithoutanyresponsibilityonourpart.yoursfaithfully,Thestructureofthereplyofcreditinquiryletter作不利答复时，必须小心谨慎，确保给出的信息准确可靠。Thecontentofcorrespondenceaboutthereplyofcreditinquiry（unfavorablereply）isgenerallymadeupofthefollowingparts:Part1:

提出建议wemustadviseyouto…Part2:举例证明aboutayearago…Part3:委婉解释ourenquiriesrevealnotingto…Part4:给出提醒thisinformationis…inconfidence

ExampleLetterfour:PrivateandconfidentialDearsirs,WehavecompletedourenquiriesconcerningthefirmmentionedinyourletterofFebruary18andregretthatwemustadviseyoutoregardtheirrequestforcreditwithcaution.Aboutayearagoanactionwasbroughtagainstthefirmbyoneofitssuppliersforrecoveryofthesumsduethoughpaymentwasrecoveredinfull.Ourenquiriesrevealnothingtosuggestthatthefirmisnotstraightforward.Itseemstousthatthefirm’sdifficultieswereduetobadmanagementandinparticulartoovertrading.Consequently,mostofthefirm’ssupplierseithergiveonlyveryshortcreditforlimitedsumsormakedeliveriesonacashbasis.(凭现金)Thisinformationisofcoursesuppliedinthestrictestconfidence.(绝对机密)YourssincerelyBackgroundwordsofcreditinquiryStandingConfidenceReply(Favorable/unfavorablereply)CreditLiabilityAssetDividendReferenceCommitmentassociateStanding:

1)adj.持续的，长期有效的，永久的，固定的Standingcharge

Standingorder

Standingpermit

2)n.地位，身份，名誉，名望，期间，持续Creditstanding／Financialposition／Financialstanding/creditandfinancialstanding：reputationofacompany’sFinancialstanding:thereputationandstatusoffinanceCreditandfinancialstandingtrustworthinessinpayingdebtsanditsfinancialstatus

Thisisanissueoflongstanding.

Ｍenofhighstanding

ConfidenceConfidence:n.nevertellanyoneelseknow秘密话In(strict/thestrictest)confidenceInconfidence秘密地，私下地Inaperson’sconfidence

Takeintoone’sconfidence

Confidantn.apersontrustedwithknowledgeofone'sprivateaffairsConfidentadj.

Confidentof/that

Reply(Favorable/unfavorablereply)Replyto回答，答复Reply强调经过考虑后而答复对方的问题或论点，相对于ask而言，如：Replytoaletter/criticism回复来信／批评

在商务函电中，Inreplyto=inanswertoAfavorablereply:areplywhichisinfavorofthecompanyinquestion

Aunfavorablereply:areplywhichisnotsomuchinfavorofthecompanyinquestion

Creditv./n.信用，信任，n.贷款，，名誉，光荣，学分Creditasumto…向……贷款Creditagency

Creditagent保险信用代理人Creditor:nCreditreceiver

Creditcooperative信用合作社Creditassociation

Credibleadj.词根为cred，词义为可信的，可靠的，强调的是被动含义，等于believable.Liability债务，负债Liability:n.(usu.pl.)Theamountofdebtthatmustbepaid１）责任，义务２）负债Liabilitybetweenpartners

LiabilityfordelayLiabilityforfault

Liabilityforguarantee

Liabilityforlossoflifeorpersonalinjury

Liabilityoutstanding

Liabilitywithinterest

Asset资产Asset:n.(usu.pl.)propertyownedbyacompanythatcanbeusedorsoldtopaydebts（公司所有的，可以抵债或变卖后支付债务的）资产Dividend

n.债权人分得的偿金DividendaccumulationDividendpreferenceDividendpolicyDividendonshares

ReferenceReferto涉及，查阅Referto…as…称……为Referencen.1)参考，查阅，参考书目2)提及，涉及3)介绍人，证明人／书Forone’sreference/information供…参考Foryourreference,weencloseananalysisofthetestwehavemade.Wetakepleasureinsendingourlatestcatalogueforyourreference.Commitment委托事项，许诺，承担义务

Associaten.联营公司，联号Thebusinessisofgreatadvantagetoassociates.Theassociatesdonotseeanyadvantageinsuchacooperation.

Associate=associatedcompany

ThesubjectcompanyyouinquiredaboutbyyourletterofOctober15,2001,hasbeenmaintaininganaccountwithusforthepasttwentyyears,duringwhichtheyhaveneverfailedtomeettheirobligation.TheirbalancesheetsofrecentyearsenclosedwillshowyouthattheirimportbusinessinSewingMachineshasbe