實(shí)用商務(wù)英語(yǔ) 信貸與融資

7　信貸與融資

你將聽到的

銀行承兌

A bank's acceptance will add to the costs of our imports.

銀團(tuán)

As the sum is large, it must be provided by a group of banks.

出租人義務(wù)

The leasing company must provide technical and repair services.

智窮計(jì)盡

If the bank won't lend us any money, I will be at my wits' end.

融資問題

I'd be willing to come and talk about the financing of our imports.

利率

The interest will be calculated at the floating rate published every day by the People's Bank of China.

分期償付

You can have the loan interest free for the first year, and you should make the first repayment in the third year, with the remaining part to be paid in equal installments.

你也許會(huì)說

償還時(shí)間

There are flexible repayment options for this kind of loan.

借金額

Would you please tell me how much money you want to borrow this time?

利率

This type of loan can be applied online and its interest rate is low.

貸款

In this condition I suggest you make a mortgage loan.

職場(chǎng)心經(jīng)

融資是指為支付超過現(xiàn)金的購(gòu)貨款而采取的貨幣交易手段，或?yàn)槿〉觅Y產(chǎn)而集資所采取的貨幣手段。融資通常是指貨幣資金的持有者和需求者之間，直接或間接地進(jìn)行資金融通的活動(dòng)。

廣義的融資是指資金在持有者之間流動(dòng)以余補(bǔ)缺的一種經(jīng)濟(jì)行為，這是資金雙向互動(dòng)的過程，包括資金的融入和融出。狹義的融資只指資金的融入。

必備的詞匯熱身

●　takings [?teiki?z] n.收入，進(jìn)款

●　business [?biznis] n.商業(yè)，商務(wù)

●　long-term [?l??t?:m] adj.長(zhǎng)期的

●　financially [fai?n?n??li] adv.財(cái)務(wù)上

●　sound [saund] adj.健全的，穩(wěn)固的

●　on account 賒賬，掛賬

當(dāng)談到信貸與融資的時(shí)候你會(huì)聽到

A bank's acceptance will add to the costs of our imports.

銀行承兌會(huì)增加我公司進(jìn)口商品的成本。

As the sum is large, it must be provided by a group of banks.

由于金額巨大，得由一個(gè)銀團(tuán)來提供。

The leasing company must provide technical and repair services.

出租人有義務(wù)提供技術(shù)和維修服務(wù)。

If the bank won't lend us any money, I will be at my wits' end.

如果銀行不肯貸款給我們，我就智窮計(jì)盡了。

at my wits' end表示“智窮才盡；手足無措” 。

I'd be willing to come and talk about the financing of our imports.

我很愿意來談?wù)勎夜具M(jìn)口商品的融資問題。

The interest will be calculated at the floating rate published every day by the People's Bank of China.

利率將按中國(guó)人民銀行每天公布的浮動(dòng)利率計(jì)算。

You can have the loan interest free for the first year, and you should make the first repayment in the third year, with the remaining part to be paid in equal installments.

頭一年你們可以得到免息，但你們必須在第三年開始還貸，剩余部分按同樣數(shù)目分期償付。

當(dāng)談到信貸與融資的時(shí)候你會(huì)說

1．There are flexible repayment options for this kind of loan.

這種貸款可以靈活選擇償還時(shí)間。

2．Would you please tell me how much money you want to borrow this time?

你能告訴我您此次打算借多少錢嗎？

3．This type of loan can be applied online and its interest rate is low.

這種貸款可以網(wǎng)上申請(qǐng)，而且利率較低。

4．In this condition I suggest you make a mortgage loan.

這樣的話，我建議你們辦理抵押貸款。

in this condition表示的是“在這種情況下”的意思，英語(yǔ)中相似的表達(dá)有at that rate（照那種情形）。

5．The seller should manage the credit period as a key cost of the transaction.

賣方應(yīng)把信用期限作為交易的核心成本來管理。

6．Banks wish to limit loans to particular geographical areas and specific industries.

銀行希望將貸款限制在特定的地理區(qū)域或具體的行業(yè)。

7．Working capital loans can meet a lot of short term purposes within one year.

流動(dòng)資金貸款可以滿足許多一年內(nèi)的短期借款用途。

8．Low costs make the loan the most popular solution for financing your business.

低成本使得這種貸款成為您企業(yè)融資最普遍的方式。

9．The other way is for you to place a deposit of 20％ and the rest can be paid in installment.

另一個(gè)方法是，貴公司付20％的定金，其余的分期付款。

拓展學(xué)習(xí)

申請(qǐng)信貸

A：What is your specific purpose of this financing?

您的具體貸款用途是什么？

B：We'd like to lease the equipment.

我公司想租賃這一設(shè)備。

We'd like you to give us a draft at 120 days sight.

我們請(qǐng)貴公司向我公司開出一張見票120天后付款的匯票。

We demand the draft be accepted by a bank of our choice.

我公司要求該匯票由一家我公司認(rèn)可的銀行承兌。

At the end of the lease, the title to the equipment will be transferred to the lessee by symbolic payment of 100 US dollars.

租賃期末，該設(shè)備的所有權(quán)以100美元的象征性付款轉(zhuǎn)讓給承租人。

at the end of表示“在……結(jié)束時(shí)，在……盡頭”，而省去of的話at the end則表示“最終，最后”。

信貸條件

A：What credit terms are available for companies that want to invest in Washington District?

如果一個(gè)公司想在華盛頓街區(qū)投資需要哪些信貸條件呢？

B：I have to check your recent balance sheet and income statement again.

我得再核實(shí)一下貴公司近期的資產(chǎn)負(fù)債表和損益表。

You must submit your year end financial statements for the last three years in three copies.

您必須提交前三年的年終財(cái)務(wù)報(bào)告，一式三份。

The normal position of the State Bank is that I will only lend a maximum of half the money for any one project.

州立銀行一般的規(guī)定是最多提供一個(gè)項(xiàng)目五成的貸款。

As a regular customer with nice credit position in our bank and for a joint venture that is a corporate body in China, you do meet the Chinese commercial loans terms.

對(duì)于本行的一個(gè)信用良好的老客戶，而且合資企業(yè)也是中國(guó)的合法實(shí)體，你們的確符合中國(guó)商業(yè)貸款的條件。

Actually, you should also submit more information such as your guarantor's credit standings and financial statements if you are required to provide a guarantor against your loan.

事實(shí)上，如果要求您提供貸款擔(dān)保的話，您還應(yīng)該提交更多一些的信息，如您的擔(dān)保人信用狀況和財(cái)務(wù)報(bào)告。

We will see whether you need a third party's guarantee or not when we complete the procedure of loan assessment.

我們要在結(jié)束信貸評(píng)估程序時(shí)才能知道您是否需要第三方擔(dān)保。

financial statements表示的是“財(cái)務(wù)報(bào)告”的意思。

利率與貸款期限

A：We adopt a floating rate loan for your company.

對(duì)貴公司來說，我們將采用浮動(dòng)利率貸款。

B：I think it's acceptable.我想這可以接受。

6．8％ to our regular client . But it varies from time to time.

對(duì)老客戶是6.8％。但利率經(jīng)常變化。

We are prepared to offer BNG a ten-year loan at 8％ interest.

我們準(zhǔn)備給BNG公司十年期的貸款，利率為8％。

The longer a credit period is chosen, the higher interest you need to pay.

選擇貸款期限越長(zhǎng)，您需要支付的利息越高。

regular client表示的是“老客戶”的意思。regular表示“定期的；有規(guī)律的”。試想一個(gè)客戶定期光臨，那他自然就是“老客戶”了。

場(chǎng)景應(yīng)用

馬克想通過買方信貸的方式來解決融資問題，保羅先生表示愿意為其提供一切便利及幫助。

A：I would like to come and talk about the financing of our imports. How can we solve the problem of financing?

B：Have you considered the possibility of the buyer's credit?

A：Yes, that's just the job thing. As the sum is large, it must be provided by a group of banks.

B：Our bank can act as the lead bank.

A：What about the interest rate?

B：How do you think of 8％ per annum? However, it'll be adjusted according to prevailing conditions in the capital market.

A：That's all right. By the way, will the credit be approved by your central bank or not?

B：Yes, it will. We have already approached our central bank about the credit.

A：Oh, I see. Thanks.

A：我想來談?wù)勎夜镜倪M(jìn)口融資問題。我們?cè)鯓觼斫鉀Q融資問題？

B：貴公司考慮過買方信貸可能性嗎？

A：是的，那正是我們想要的。但由于金額太大，得有幾家銀行來提供。

B：我們銀行可以擔(dān)任牽頭銀行。

A：那么利率是怎么定的？

B：你認(rèn)為每年8％怎么樣？不過利率將按照資本市場(chǎng)的即時(shí)行情進(jìn)行調(diào)整。

A：可以。請(qǐng)問該信貸須經(jīng)過貴國(guó)央行批準(zhǔn)嗎？

B：需要。我銀行已經(jīng)就該信貸同央行聯(lián)系過了。

A：哦，明白了。謝謝。

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just the job thing（正是想要的東西）

Just the job thing指正是想要的東西。該習(xí)語(yǔ)的意思是“正是所需要的東西”。例如：Thanks for recommending that skirt, it was just the job.（謝謝您給我推薦的襯衫，那正是我想要的。）just the thing還可以說成just the very thing，表示“正是所需要的東西”。例如：Your proposal was just the thing.（您的提議正合所需。）

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格林先生準(zhǔn)備了工廠情況的資料和詳細(xì)的報(bào)告希望能夠從銀行申請(qǐng)到一筆貸款來進(jìn)行技術(shù)革新，銀行的工作人員表示會(huì)好好考慮他的申請(qǐng)。

A：This is Credit and Loan Department. May I help you, sir?

B：Yes, please. We need a sum of money for technical innovation. My purpose of coming here is to apply for a loan.

A：I see. But banks should make sure that enterprises have ability to repay loans.

B：Yes, you are right. Here are some documents and detailed reports about our factory. We are on the level.

A：We will pay immediate attention to these documents. And then tell you our decision, OK?

B：Please tell me when you can inform us.

A：About a week.

B：All right. Thank you very much.

A：這兒是信貸部，可以為你做什么嗎，先生？

B：是的。我們需要一筆資金進(jìn)行技術(shù)革新，我來此的目的就是想申請(qǐng)一筆貸款。

A：明白了。但銀行必須弄清楚貸款企業(yè)是否有能力償還貸款。

B：是的，你說得對(duì)。這是關(guān)于我廠情況的資料及詳細(xì)的報(bào)告，這筆交易絕對(duì)誠(chéng)實(shí)可信。

A：我們會(huì)及時(shí)關(guān)注這些文件資料，然后告訴你我們的決定，好嗎？

B：請(qǐng)問什么時(shí)候你們會(huì)通知我們？

A：大約一個(gè)星期。

B：好吧，謝謝你。

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on the level事實(shí)無欺

單詞level在這兒作名詞，on the level的字面意思是“在水平面上”。它是一種非正規(guī)的口語(yǔ)表達(dá)方式，意思是“誠(chéng)實(shí)地”。例如：Are you sue this deal is on the level?（你確信這筆交易誠(chéng)實(shí)可信嗎？）

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