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1、Unit3LettersofCreditandStatusInquiryI. Aims & RequirementsI. Aims & Requirements1.To 1.To enable enable students students to to know know about about the the importance importance of of credit inquiry.credit inquiry.2.To 2.To enable enable students students to to know know about about how how to to
2、make make credit inquirycredit inquiry3.Help 3.Help students students to to learn learn and and master master key key words, words, phrases and sentence patterns about credit inquiryphrases and sentence patterns about credit inquiry4.Help 4.Help students students to to learn learn and and master mas
3、ter how how to to write write a a business letter about credit inquirybusiness letter about credit inquiryII. ContentsII. ContentsImportance of credit inquiryImportance of credit inquiryWays of making credit inquiryWays of making credit inquiryStudying letters about credit inquiryStudying letters ab
4、out credit inquiryStructure Structure of of letters letters about about credit credit inquiryinquiryImportanceofcreditinquiry.Statusenquiries,oftenreferredtoas“Banks”references,havebeenwithusformorethanacentury.Althoughothersourcesofrelevantinformationhavebecomeavailablemorerecently(suchascreditrefe
5、renceagencies),manybusinessesstillregardstatusenquiriesasausefulsourceofinformationaboutthosewithwhomtheymaywishtodobusinessCreditandstatusenquiriesarethosewrittencommunicationsinwhichtradersrequestinformationconcerningthefinancialposition,credit,reputationandbusinessmethodsofotherfirms.Inbusiness,i
6、tisofutmostimportancetoobtainalltheinformationpossibleconcerningthefirmoneisabouttoenterbusinesswith.Beforeyoustarttodobusinesswithpartnersinforeigncountrieswhoarefarawayfromyou,ifyoudontknowhimorherverywell,thenyoushoulddocreditinquiryabouthimorherincaseyouarecheatedbyhimorher.2.Howtodocreditinquir
7、yTherearevariouswaysofobtainingsuchinformation.Insteadofapplyingtoabusinessfriend,traderssometimesapplyto(1)banks(2)officesabroad(3)throughcommercialchamber(4)professionalofficesoncreditinquiryTheinformationobtainedfrombanksorchambersofcommerceisgenerallymostreliable.However,abankwillnotgiveinformat
8、iondirecttoanunknowntraderunlesstheenquiryisfromoneofitsfellowbanks.Therefore,whentakingupabankreference,thetradermustdosothroughitsownbank.3.ContentforcreditinquiryLettersenquiringstatusaremoreorlessstereotyped.Somelargefirmsmaketheirenquiriesonspeciallyprintedformscontainingquestionstheywouldliket
9、ohaveanswered.(1)政治情况：包括客户与其本国政界关系，企政治情况：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。还是中间商，经营作法等。(3)资信情况：包括客户的资金、资产负债情况资信情况：包括客户的资金、资产负债情况以及经营作风等。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。经营能力：指客户的销售渠道、活动能力等。Statusenquiresareusuallyheaded“confidential”or“privateandcon
10、fidential”.Thesewordsarealsowrittenontheenvelope.Tradersaskingforinformationmustbearinmindthattheyareaskingforafavorandthereforeshouldwriteinpoliteandappreciativeterms.Whentheinformationisreceived,beitfavorableorunfavorable,asuitableletterofacknowledgementandthanksshouldbesent.Thisisnomorethanacommo
11、ncourtesy银行资信证明范本银行资信证明范本2000年8月20日August20，2000中华人民共和国重庆工商管理局中国，重庆PeoplesRepublicofChinaChongqingCommercialandIndustrialAdministrationChongqing，China关于：美国国际出口有限公司资信证明Re：AccountofAmericanInternationalExportCreditDearsir,PleasebeadvisedthatMr.YorkJ.SmithPresidentofAmericanInternationalExportCo.，Ltd.h
12、asestablishedseveralaccountswithCommerceBank.TheregularbusinessaccountwasestablishedinSeptember1997andthemoneymarketaccountwasestablishedinthisAugust1999.ThetotalbalanceofdepositatourbankforbothaccountsisUS$833，360.00Theiraccountshavealwaysbeeningoodstanding.Thankyou.Sincerely，Signature敬启者：兹证明美国国际出口
13、有限公司总裁约克J史密斯先生在商业银行开立有数个账户。正式商务账户于1997年9月开立，金融市场账户于1999年8月开立。先在敝银行的全部存款余额为883，360.00美元。其账户信誉一贯良好。谢谢，致礼银行资信证明样本2_银行香港分行客户资信简介函兹应我行客户有限公司COMPANYLIMITED要求对该公司资信出具简介如下：成立日期：年月日营业地址：香港道号大厦座字楼室：（旧地址：香港号商业大厦字楼）组织：有限公司；董事：先生、女士；注册资本：港币万元；实收资本：港币万元；经营行业：医药原料、化工原料、医制剂；往来情况：该公司于一九年月日在我行开户，往来情况正常，我行给予该公司有位数字之授信
14、，并有押汇业务经我行叙做，过程满意，对一般正常商业往来可资信赖。THE_BANKHONGKONGBRANGHHongKong01/25/2006Dearsirs,Weconfirmthat_Corporationisavaluedcustomerofthisbankwithanauthorizedcapitalof_andapaid-upcapitalof_andhasmaintainedawell-conductedcurrentaccount.Itenjoyasubstantialamountofourbankingfacilitiesintherangeofminimum6(or8)fi
15、guresandourrelationshiphasbeenentirelysatisfactory.Weconsiderthecorporationtobehighlyrespectableandundoubtedfortheirnormalbusinessengagementsandthatitisabletofulfillcontractualobligationitentersinto.Theaboveinformationisprovidedinstrictconfidenceandwithoutanyresponsibilityonthepartofthebankoritsoffi
16、cers.*资本信用证书须是银行负责人签名的正本内容须有公司的资金和信誉两项。*Thecredibilitylettershouldbeinitsoriginalformandsignedbyaresponsiblememberofthebankandshouldcontainsuchinformationasregisteredandpaid-upcapitalaswellasthecredibilityofthecompany.资信证明书（标准格式样本）资信证明书（标准格式样本）编编号：号：年年号号签发日期：签发日期：年年月月日日（证明书接受人）（证明书接受人）：（被证明人）（被证明人）因
17、因（资信证明用途）（资信证明用途）委托我行委托我行（部）对其资信状况出具证明书，经确认具体情况如下：（部）对其资信状况出具证明书，经确认具体情况如下：（被证明人）（被证明人）在我行（部）开立有结算帐户。自在我行（部）开立有结算帐户。自年年月月日日开始，到开始，到年年月月日日止，止，（被证明人）（被证明人）在我在我行（部）办理的各项信贷业务行（部）办理的各项信贷业务（有（有/无）无）逾期（垫款）和欠息记录，逾期（垫款）和欠息记录，资金结算方面资金结算方面（有（有/无）无）不良记录，执行结算纪律情况不良记录，执行结算纪律情况（良好（良好/不好）不好）。证明人声明：证明人声明：1我行（部）只对本证明
18、书所指明期间内，被证明人在我行（部）我行（部）只对本证明书所指明期间内，被证明人在我行（部）偿还贷款及利息、资金结算和执行结算纪律情况的真实性负责。我行偿还贷款及利息、资金结算和执行结算纪律情况的真实性负责。我行（部）对本证明书所指明期间之前或之后上述情况发生的任何变化不（部）对本证明书所指明期间之前或之后上述情况发生的任何变化不承担责任。承担责任。2本证明书只用于前款特定用途，不得转让，不得作为担保、融资本证明书只用于前款特定用途，不得转让，不得作为担保、融资等其他事项的证明。等其他事项的证明。3本证明书为正本，只限送往证明接受人，涂改、复印无效。我行本证明书为正本，只限送往证明接受人，涂改
19、、复印无效。我行（部）对被证明人、证明书接受人运用本资信证明书产生的后果，不（部）对被证明人、证明书接受人运用本资信证明书产生的后果，不承担任何法律责任。承担任何法律责任。4本证明书经我行（部）负责人或授权代理人签字并加盖公章后方本证明书经我行（部）负责人或授权代理人签字并加盖公章后方能生效。能生效。5本证明书包括中英文版本各一份，两种文字有抵触时，以中文文本证明书包括中英文版本各一份，两种文字有抵触时，以中文文本为准。本为准。6本证明书适用中华人民共和国法律。本证明书适用中华人民共和国法律。7本证明书的解释权归我行（部）所有。本证明书的解释权归我行（部）所有。中国建设银行中国建设银行行（部）
20、（章）行（部）（章）负责人或授权代理人负责人或授权代理人（签名）：（签名）：CreditReferenceNo.Dateofissue：(mm/dd/yyyy)To(hereinaftercalledtheRecipient):(hereinaftercalledtheClient)entrustsourbank(hereinaftercalledtheBank)toissuethiscreditreference(hereinaftercalledtheReference)for.Situationhasbeenconfirmedasfollowing：TheClientholds(a)se
21、ttlementaccount(s)withtheBank.From(mm/dd/yyyy)to(mm/dd/yyyy),theClientheldno/somepast-dueloan(s)orunpaidinterest(s)owedtotheBank,hadno/somebadrecord(s)intheaspectofcapitalsettlementduringthecooperationwiththeBank,andperformedwell/badlyinthethecompliancewiththeregulationsregardingsettlement.Thestatem
22、entsoftheBank:1.TheBankshallonlyberesponsiblefortheaccuracyofClientsrecordwiththeBankintermsofloanandinterestrepayment,capitalsettlementandthecompliancewiththeregulationsregardingsettlementduringtheperiodasindicatedhereninabove.TheBankshallnotberesponsibleforanychangesarisingbeforeandaftertheperioda
23、sindicatedintheReference.2.TheReferenceisnullandvoidforanyotherpurpose,exceptthosestatedhereinabove.TheReferenceshallnotbetransferred,norbeuesedforguarantee,financingoranyotherpurpose.3.TheReferenceistheoriginalone,limitedtobesenttotheRecipientanditshallbeinvaliduponbeingalteredandduplicated.TheBank
24、shallholdnolegalresponsibilityfortheconsequencearisingfromtheapplicationoftheReferencebytheClientandtheRecipient.4.TheReferenceshalltakeeffectupontheexecutionbyundertakerorauthorizedrepresentativeoftheBankwiththebanksealaffixed5.ThisReferenceiswritteninChineseandEnglish.Intheeventofanydiscrepancybet
25、weentheChineseandEnglishversion,theChineseversionshallprevail.6.TheReferenceshallbegovernedbythelawsofPeoplesRepublicofChina.7.TheReferenceissubjecttotheinterpretationoftheBank.ChinaConstructionBank,(Branch/Sub-branch/Department).(BankSeal)AuthorizedSignature:PracticeNowstudysample1aninquiryaboutaco
26、mpanyandtranslateitintoChineseExercises1&2:P.51,52.Dearsir,WehavereceivedasuddenbidfromFreemenBrothersCompany,London,withwhichyouarenowdoingbusinessandthefirmgivesusyournameasareference我方突然收到伦敦福利门兄弟公司的递价我方突然收到伦敦福利门兄弟公司的递价.该公司该公司现与贵公司有业务往来，并把贵公司作为证明人现与贵公司有业务往来，并把贵公司作为证明人告诉了我公司。告诉了我公司。.Weshallapprecia
27、teitifyouwillletushavethefollowinginformation:1.Howlonghaveyoubeeninbusinessrelationswiththefirm?2.Whatcreditlimithaveyouplacedontheiraccount?3.Howpromptlyaretermsmet?4.Whatamountiscurrentlyoutstanding?如蒙提供下列资料，我方将不胜感激：如蒙提供下列资料，我方将不胜感激：贵公司与该公司业务往来已有多久？贵公司与该公司业务往来已有多久？贵公司给该公司的信贷额有多大？贵公司给该公司的信贷额有多大？该公
28、司还帐是否及时？该公司还帐是否及时？目前该公司欠帐多少？目前该公司欠帐多少？.Anyinformationyoumaygiveuswillbetreatedasstrictlyconfidentialandexpensesaccruingfromthisinquirywillbegladlypaidbyusuponreceiptofyourbill.贵公司提供的所有资料，我方将以严格保密，所有费用在贵公司提供的所有资料，我方将以严格保密，所有费用在接到贵公司帐单后立即由我公司支付。接到贵公司帐单后立即由我公司支付。DearSirs,Re:YourInquiryNo.119ofApril14Re
29、gardingFreemenBrothersCo.,LondonInreplytotheaboveinquiry,wearepleasedtoencloseacopyoftheReportonFreemenBrothersCompany,London.PleasenotethattheinformationisfurnishedatyourrequestwithoutanyresponsibilitywhatsoeveronthepartofthisBankoronanyofitsofficers.ItisaconditionofthisletterthatthenameofthisBankw
30、illnotbedisclosedintheeventofourreportbeingpassedontoyourclients.Yourstruly,.Inreplytotheaboveinquiry,wearepleasedtoencloseacopyoftheReportonFreemenBrothersCompany,London.PleasenotethattheinformationisfurnishedatyourrequestwithoutanyresponsibilitywhatsoeveronthepartofthisBankoronanyofitsofficers.现答复
31、贵方现答复贵方4月月14日第日第119号询函，我方高兴地随号询函，我方高兴地随函附上该公司的报告一份。请注意该资料是函附上该公司的报告一份。请注意该资料是应贵应贵方要求方要求而提供的，本行或本行任何工作人员对此而提供的，本行或本行任何工作人员对此不负任何责任。不负任何责任。.ItisaconditionofthisletterthatthenameofthisBankwillnotbedisclosedintheeventofourreportbeingpassedontoyourclients.本函有一个条件，即在把我方的报告转告贵方的本函有一个条件，即在把我方的报告转告贵方的客户时，请勿泄
32、露我行的名称。客户时，请勿泄露我行的名称。StepswritinglettersofcreditenquiryTakingthecorrespondencesaboveassamples,contentofcorrespondenceaboutcreditinquiryisgenerallymadeupofthefollowingparts:调查的原因，并表明要求得到某一公调查的原因，并表明要求得到某一公司的资信资料。司的资信资料。请求获得相关资信的细节。请求获得相关资信的细节。保证保密。保证保密。感激的话。感激的话。TaskNowreadthesamplelettersonp.46-47an
33、dfindtheexpressionswhichindicatethefourmoves.调查的原因，并表明要求得到某一调查的原因，并表明要求得到某一公司的资信资料公司的资信资料1)Wehavereceivedanorderof$50,000fromThomasWilsonCo.Ltd,andtheyhaveidentifiedyouasareference2)WehavereceivedaletterfromAutoEngineeringCo.LtdinNigeria,expressiontheirdesiretoenterintobusinessrelationswithusoncondi
34、tionthatweallowthemastandingcreditofUS$50,000tostartbusiness.3)Asweareonthepointoftransactingsomeimportantbusinesswiththem,weshouldliketoknowexactlyhowtheircreditstands4)Weunderstandthatyouhaveregulartransactionswiththefirm.Sowetakethelibertytoaskyoutogiveyourviewsconcerningtheactualpositionofthefir
35、m请求获得相关资信的细节请求获得相关资信的细节1)YouarekindlyrequestedtoprovideuswiththeinformationaboutcreditandbusinessoperationofSmithImportCompany2)Beforewegrantcreditofthisamountweshouldbeobligedforanyinformationyoucangiveusabouttheirfinancialstanding,theextentoftheirbusiness,andtheirreputationformeetingobligations.3)
36、Willyoupleaseinformus,inconfidence,oftheextentoftheirresourcesandtheirreputationaswell4)Weshallappreciateyourprovidinguswithanopinionastothecreditstanding,respectabilityandresponsibilityofthefollowingfirm.5)Willyoupleaseletusknowwhatyourexperiencehasbeeninyourdealingwithhim?6)Weshouldbegratefulifyou
37、wouldsaywhetheryouthinktheyarelikelytobereliableforacredituptoUS$10,000.7)Weshallappreciateitifyouwillletusknowtheirfinancialposition.8)Weshouldbepleasedtoknowwhethertheyhavethereputationofpayingpromptly.9)Ishallfeelundergreatobligationifyouwilladvisemeconfidentiallyrespectingthereputationtheyenjoya
38、mongyourneighborsandcorrespondents.保证保密保证保密1)Anyinformationyougiveuswillbehighlyappreciatedandkeptinstrictconfidence.2)Anyinformationyoumaygiveuswillbetreatedasstrictlyconfidentialandexpensesconcernedfromthisinquirywillbegladlypaidbyusuponreceiptofyourbill.3)Anyinformationyoumaygivemewill,ofcourse,b
39、etreatedasstrictlyconfidential.4)Pleasebeconvincedthatallthematerialsyousupplytouswillbekeptinabsolutesecret,forwhichyouwillnottakeanyresponsibilities.5)Anyinformationyousenduswillbeheldinstrictconfidence.6)Anyinformationyoumaygiveuswillbetreatedasstrictlyconfidentialandexpensesaccruingfromthisinqui
40、rywillbegladlypaidbyusuponreceiptofyourbill.7)Weshouldofcoursetreatasstrictlyconfidentialanyadviceyoutellusandbeonlytoopleasedtoperformasimilarserviceforyoushouldtheopportunityeverarise.Expressinghope1)Thankyouforhelpinthismatter.2)Wearelookingforwardtoyourearliestreply.3)Wethankyouinadvance.4)Weare
41、awaitingyourearlyreply.5)Weencloseastampedandaddressedenvelopeforyourreply.回复资信函一般信息情报良好信息不良信息Theaboveinformationisstrictlyconfidentialandisgivenwithoutany?responsibilityonthisbank一般信用情报一般信用情报根据加尔各答的银行通知,该公司是由C.E.史密斯先生在1947年创立的,其主要业务为药品、水泥、纸张及乳制品等货物的进口与购买。Calcuttabankersadvisethatthecompanywasorigin
42、allyestablishedin1947byMr.CharlesE.Smith,toconductabusinessinchemicals,cement,paper,milk-products,etc.,asimportersandindentors.据我们所得到的情报:该公司为新创立的公司,1946年9月创立时,其登记资本额为50,000美元,但股东实际上缴纳金额总计仅为500美元而已。Weareinformed:Thecompanyisanewly-formedcorporation,havingbeencharteredinSeptemberof1946withanauthorized
43、capitalof$50,000withonly$500recordedashavingbeenpaidin.信用良好的情报信用良好的情报Weinformyouthatwecangivenothingbutfavourableinformationaboutthefirminquestion.我们只能向您报告,该公司在各方面均博得好评。该公司的资金雄厚,其信用可以说“无限”,而其高级职员可称之为精明强干。Theycommandconsiderablefundsandanunlimitedcredit,andtheexecutivesarethoroughbusinessmen.该公司自创办至今
44、虽然时间很短,但在实业界已有相当信用,然而仍不能算是富有的公司。Welearnedthatthoughtheyhadnotbeenlongestablished,stoodprettywell,butwerenotsupposedtoberich.昨天接到贵函,我们很乐意向您报告有关查询事项。该公司博得此间客户极大信赖,特此复函。Replyingtoyourletterofyesterdaysdate,wearehappytoinformyouthatthehousereferredtoenjoysanunlimitedcredit.该公司在实业界颇受尊敬、信誉很高。Thefirmenjoys
45、thefullestrespectandunquestionableconfidenceinthebusinessworld.信用不良Inthepastthreeyears,thecompanyhasexperiencedaseriousdifficultyinfinanceanddelayedinexecutingtheirnormalpayment.Itseemstousthatthecompanysdifficultieswereduetobadmanagementandinparticulartoovertrading.Itistruethatwehadbusinesswiththem
46、duringthepastfewyears,buttheamountofbusinesswasnotsolargethatwecannotsupplyanyresponsibleopiniononthebusinesscapabilityandcreditstanding.该公司最近在付款方面几乎没有准则,我们曾一再催告,然而毫无结果。Oflate,paymentshavebeenquiteirregularlymade,andmorethanoneoccasionwehavehadtopressforthem.对于上月30日贵函所要查询的公司,我们实在无法报告确切情况,甚为遗憾。Weregr
47、etourinabilitytotellyouanythingpositiveconcerningthefirmmentionedinyourletterofthe30th我们无法向贵公司提供您所需要的确切情报,对此,我们深感遗憾。Wearesorrywearenotabletogiveapreciseinformationyouask.保密要求这是对该公司的要求严格保密的回函。Thisisastrictlyconfidentialresponsetoarequestmadebythefirm.Anystatementonthepartofthisbankoranyofitsofficersa
48、stothestandingofanyperson,firmorcorporation,isgivenasamerematterofopinionforwhichnoresponsibility,inanyway,istoattachtothisbankoranyofitsofficers.任何有关个人、公司以及其它任何组织的信用状况如何,本银行或本行职员所提供的情报,无论内容如何,仅供参考。对此本银行或本行职员,不负责任何责任。今后如有吩咐,我们将乐于为您效劳。但对本报告,务必严守秘密,敬请谅察为荷。Weshallbepleasedtorenderyouanyfurtherservices,
49、andweaskyoutoconsiderthisinformationasgiveninstrictconfidence.本人所说均为依据事实的直言,可证明确有其事,但对文责方面,本人实在无法负责,敬请原谅为荷。Thisiswithoutobligationonmypart,thoughIamfullyconvincedthatyouwillfindmyinformationborneoutbythefact.WebelievethattheymayberatedasanA-Levelcompanywithwhichyoucandealfreely.Ofcourse,thisisourpersonalopinionandweassumenoresponsibilityinyourproposedbusinessnegotiations.Mayweaskthatyoutreatthisinformationasstrictlyconfidentialwithoutresponsibilityonourpart.PracticeExercisesIII,IV,V,VI.
