金融英語(yǔ)口語(yǔ) 13.A Problem in

[00:00.80]新單詞 [00:01.59]regularly adv. [00:02.30]經(jīng)常地，定期地 [00:03.00]primarily adv. [00:03.83]主要地，根本上 [00:04.65]various adj. [00:05.30]不同的，各類的 [00:05.96]securities n. [00:06.75]證券 [00:07.55]haphazard adj. [00:08.31]隨意的，無(wú)計(jì)劃的 [00:09.06]excess n. [00:09.84]過(guò)剩，多余 [00:10.61]invoice n. [00:11.27]發(fā)票 [00:11.94]Phrases & Expressions [00:13.00]短語(yǔ) [00:14.05]drop by [00:14.75]順便拜訪。 [00:15.44]balance sheet [00:16.31]資產(chǎn)負(fù)債表 [00:17.19]get together [00:18.01]集合 [00:18.83]checking account [00:19.67]支票帳戶 [00:20.51]accounts receivable and payable [00:21.88]應(yīng)收與應(yīng)付帳款 [00:23.25]on hand [00:23.80]手頭 [00:24.35]S:I'm sorry I wasn't able to get together with you sooner, Steven. [00:26.41]S：史蒂文，很抱歉我沒(méi)能早點(diǎn)與你碰頭。 [00:28.47]In the future, however, I suggest we meet regularly. [00:30.48]當(dāng)然，我建議以后我們經(jīng)常見面。 [00:32.50]B:Right! How do the figures look to you, David? [00:34.30]B：好!大衛(wèi)，這些數(shù)額你覺得怎么樣? [00:36.10]S:Overall, they look good. But I also think we're at a point where we need to make a few improvements. [00:39.51]S：總得來(lái)說(shuō)，看起來(lái)還不錯(cuò)。但我也在想，有些地方我們?cè)撟餍└膭?dòng)了。 [00:42.92]B:What did you have in mind? [00:43.78]B：你有什么想法? [00:44.64]S:I'm referring primarily to cash management. It's important that we take a careful look at the cash being held on deposit in checking accounts. [00:49.99]S：我主要指現(xiàn)金管理。我們需要他仔細(xì)查看支票帳戶中作為存款的現(xiàn)金，這很重要。 [00:55.33]And, according to the balance sheet, there's some $600,000 on deposit in various banks. [00:59.17]而且，根據(jù)資產(chǎn)負(fù)債表上反映的情況,我們?cè)诟骷毅y行總共有60萬(wàn)美元的存款。 [01:03.01]Isn't that a lot to be holding in checking accounts? [01:04.99]我們是否需要這么多的現(xiàn)金放在支票帳戶里呢? [01:06.98]B:It is a rather large amount, yes. [01:08.38]B：對(duì)，金額真是不小。 [01:09.77]S:OK, here's what we'll do. I suggest you move more funds out of those checking accounts only leaving what's required for day-to-day expenses. [01:15.19]S：好，下面我們這樣做。我建議你將大部分現(xiàn)金從那些支票帳戶中取出來(lái)，放到短期證券業(yè)務(wù)上去。在支票帳戶上只需留下日常開支需要的現(xiàn)金即可. [01:20.61]Oh, and Steven, be careful that those short-term securities aren't selected in a haphazard way. Invest wisely. [01:25.22]對(duì)了，史蒂文，短期證券的種類可不要隨心所欲地作出選擇。投資要精明些。 [01:29.84]B:Of course. In fact, those excess funds could provide us with returns of eight or nine percent. [01:33.04]B：那當(dāng)然。實(shí)際上，那些過(guò)剩資金可為我們提供八到九個(gè)百分點(diǎn)的收益。 [01:36.24]S:Exactly! OK, point number two. I'm also concerned about accounts receivable and payable. [01:40.60]S：完全正確!對(duì)，第二點(diǎn)，我也很關(guān)注應(yīng)收與應(yīng)付帳款。 [01:44.96]It's taking much too long to collect from our customers. On the other hand, we're paying our bills right on time. [01:49.26]從我們的客戶那兒收帳款的時(shí)間拖得特別長(zhǎng)。另外一方面，我們卻從不誤時(shí)支付帳款。 [01:53.55]I think we should start delaying payments on certain of our accounts. That'll give us more cash on hand. [01:57.59]我想，對(duì)一些應(yīng)付賬款，我們應(yīng)該逐漸延些時(shí)間。這樣，我們的手頭的現(xiàn)金還會(huì)增加一些。 [02:01.63]B:Will do. As for accounts receivable, I'll ask our people to make a special effort to collect on past due accounts. [02:05.84]B：會(huì)辦的，對(duì)那些應(yīng)收帳款，我會(huì)讓手下的人盡力去收回已過(guò)期的帳款。 [02:10.06]We do offer a one percent discount on invoices paid within ten days, but it's still taking an average of four months to collect. [02:14.41]我們?yōu)槭靸?nèi)支付的發(fā)票提供一個(gè)百分點(diǎn)的折扣，但仍平均四個(gè)月收入一次帳款。 [02:18.76]S:Let's increase the invoice discount to two percent. [02:20.77]S：那讓我們將發(fā)票的折扣提高到兩個(gè)百分點(diǎn)吧。 [02:22.79]That might get more customers to pay sooner. Oh and Steven, [02:25.45]那樣或許能讓我們的客戶早些付錢。噢，史蒂文， [02:28.11]I'm going to establish a year-end goal - to cut the average collection time on accounts receivable from four months to two. [02:32.65]我要制定一項(xiàng)年終目標(biāo)-把平均每四個(gè)月收一次帳款縮減到兩個(gè)月。 [02:37.18]B:We'll do our best, David. In fact, I'm already confident the balance sheets will soon be showing a far different picture. [02:41.10]B：我們會(huì)盡力的，大衛(wèi)。實(shí)際上，我很自信，資產(chǎn)負(fù)債表很快就會(huì)顯示非常不同的前景的。 [02:45.02]S:A bright one, I hope. [02:46.32]S：我希望是光明的前景。

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