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1、1银行函电中信件常用套话行话小结教材引用了 28 篇不同银行业务的信件，仔细品味每一封信件所包含的有规律的行 话、套话，掌握规范的约定俗成的表达方式。比如，结尾语中表达希望对方尽早回信的 表达方式就有， “We wish to have your favorable reply（盼佳音）.” ， “We anticipate to receive your early favorable reply.（期待早日收到贵行的函复） ” ， “Your early reply will be appreciated（盼早日函复） ” ， “We shall appreciate (to receiv
2、e) your early reply（如贵方能 早日函复，我方将表示感激） ” ， “we appreciate your kind assistance and look forward to your reply.（感谢贵方帮助，并期待函复） ” ，等等。 1. Letters concerning bank relationship 关于银行关系的信件（关于银行关系的信件（2 封）封） -Appreciate for the friendly and mutually beneficial relationship 为友好而互惠的关 系感到满意 -more opportunities
3、where we could work together 更多的合作机会 -we are convinced that cooperation between our two banks will be expanded in possible areas 我们深信双方的合作将在可能的领域深化。 -the sale has no impact on your relationship with us or on the services we provide to you 该销售不会影响贵方与我们之间的关系也不会影响我们为你方提供的服务 - to better serve and to gro
4、w with valued customers such as yourself. 为诸如贵公司 的有价值的伙伴提供服务 2. Letters concerning Credit Inquiry 关于信用咨询的信件（关于信用咨询的信件（1 封）封） -private & confidential 机密 - any information you give us will be strictly private and confidential.我方将对贵方 提供的任何资料严守秘密。 -credit standing, respectability and financial responsib
5、ility 资信、信誉、财务状况 - reciprocate your courtesy 回馈贵方的帮助 3. Letters concerning Bank A/C & Bank Accounting 关于银行账户和银行关于银行账户和银行 会计的信件（会计的信件（5 封）封） -transfer of XXXXX account XXXX 某某公司某某账户的转移 -close the account and forward the principal balance plus any accrued interest to XXXXXX 结清账户并将本金与余额加上应计利息转至 -enclos
6、ed are savings passbook XXXX 附上号码为的储蓄存折 -return all the unutilized blank cheques to us for cancellation before closing their checking accounts in our books 在结清支票账户之前，应将所有未使用的空白支票退回我 方 -we shall appreciate it if you will send back to us the unused cheques 如贵方将未使 用的支票退回我方，我方将不胜感激。 -so that we can remi
7、t the balance to your account with XXX bank 以便使我方能够将 余额汇往贵方在 XXX 银行的账户 -Rather than asking you to draw in USD on our XXX bank correspondence in 2reimbursement of each negotiation, it may be simple for us to open a Renminbi account with you and to give you the authority to fund the account by drawing
8、 on the XXX bank in certain amount of USD when funds are required 与其让贵方向我行 XXX （往来行）开出以美元 为标价的汇票，以偿付每次议付的款项，不如让我行在贵行开立一人民币户头，并授权 贵行通过开立以 XXX 行为付款人、一定美元金额的汇票的形式，在需要现金时向该账 户注入现金存款，情况会简单些。 -if you deem this arrangement acceptable to you, we will give you the necessary authority to 如贵行认为这样的安排可以接受的话，我行将有
9、必要授权贵方 -particulars on the debit side in the statement 对账单中借方的细节 -we shall be much obliged if you will advice us of the nature of these transactions and our reference numbers.如蒙告知这些交易的性质和我们的编号，我方将不胜感激 - with reference to the captioned debit advice claiming cable charges from you through XXX bank, we
10、 regret to state that关于上述标题所列借记通知书要求贵方通过 XXXX 银 行电汇费用一事，对此，我方表示抱歉。 4. Letters concerning Credit Loan 关于信贷的信件（关于信贷的信件（5 封）封） -at your request, we are pleased to offer you a trade oriented credit line of up to XXXX to be used to finance your clients for their import of goods from our country. 应贵方要 求，我
11、方很高兴地向贵方提供金额达的贷款额度，用以资助贵方客户从我国进口货 物。 -This credit line is available at any time subject to your XXX days prior notice to us and remains valid for a period of XXXX.经贵方提前日通知我方后，贵方将随时可以 使用该笔贷款额度，有效期为 -please write to us for further discussion on the terms and conditions. 请来信就有 关条款进行进一步的磋商。-, we have dr
12、awn up a credit proposal that would meet part of your financial needs 我方已经起草了一封信贷建议书，会满足贵方对资金的部分需求。 -If the proposal is acceptable, we shall begin the formal approval process necessary to convert it to a commitment.如果建议书能够接受，我方将开始启动必要的审批程序，以 便使该建议书变成一份承诺书。 - The credit line we offer is XXXXX which i
13、s unsecured, and will give you tremendous flexibility. 我方提议的信用额度为，无担保，并将给予贵方很大的灵活 性。 -The line may be used for Direct borrowings priced at the prime rate.该额度将被用 于以基础利率计价的直接借款 -on behalf of XXXX, I take pleasure in informing you that your application for a mortgage loan has been approved. 我谨代表，高兴地通知你
14、行，你行的抵押贷款已经 被批准。 -The loan will be secured by a good and sufficient first mortgage on the house.该贷 款将以房屋的首次而充分的抵押为担保。3-we reserve the right to withdraw this commitment if title or other conditions necessary to make the loan are not satisfactory. 如果贷款资格或其它条件不令人满意，我 行保留撤销此承诺的权利。 -Payment: XXXXX monthl
15、y principal and interest for the first 36 months, then subject to adjustment 偿还：前 36 个月每月支付本金和利息 XXXXX，然后可以调整。 -In accordance with Clauses XXXX and XXX of the captioned Loan Agreement, we wish to inform you that the XXX commitment fee of XXXX will be due and payable on MM, DD, YY. 按照上述贷款协议第 XXX 条和第 XXX 条的规定，我方希望贵方了解第 XXX 项承诺费 XXXXXX 将于 XXX 年 X 月 X 日到期支付。 5. Letters concerning Letters of Credit 关于信用证的信件（关于信用证的信件（3 封）封） -In accordance with the issuing banks instructions, we enclose herewith the original of the credit mentioned above, which please deliver to the beneficia
