Part Ⅲ金融英语

PartⅢFinancialCommunicationsChapter9BankingCommunicationsonRemittanceandCollectionsChapter10BankingCommunicationsonLetterofCreditChapter11CorrespondentBankingChapter12CreditInquiryChapter9BankingCommunicationsonRemittanceandCollections9.1MailTransferMailTransfer(信汇)是汇出行应汇款人的要求，将付款指示以邮寄的方式转递给汇入行。下面是汇入行写给汇出行的电函，电函中说明因汇出行在信汇委托书上漏写了受益人的账号，故无法解付此款。Re:YourMailTransferdatedMarch10,2005Withreferencetoyourcaptionedmailtransfer,weregrettoinformyouthatweareunabletoeffectpaymentduetotheabsenceoftheaccountnumberofthebeneficiaryinthemailtransfergiven.Therefore,weshallappreciateitifyouwillmakeusinformedaboutitassoonaspossible.Welookforwardtoyourearlyreply.9.2DemandDraftDemandDraft(票汇)指的是汇出行应汇款人的申请，代汇款人开立银行汇票，并由汇款人交给收款人，最后通过银行办理托收或直接解付票据款项。下列电函是有关出票行，即汇款行对丢失票据的止付通知。Re:OurDraftNo.12345InrespectofourdraftNo.12345whichwasreportedmissing,wewishtoadviseyouthatourNewYorkOfficehasplaced“stoppayment”totheabove-mentioneddraftasrequested.IfyouwanttheamountofthedrafttobepaidbyourNewYourOffice,youmayapproachthemdirectwithaBanker’sLetterofIndemnityacceptabletothem.9.3TelegraphicTransferTelegraphicTransfer(电汇)是汇出行应汇款人的申请，通过SWIFT指示和授权汇入行解付一定金额给收款人的汇款方式。Re:YourTelegraphicTransferonMay5,2006Withreferencetoyourcaptionedtelegraphictransfer,wefindthatthereisnoaccountnumberofthebeneficiary.Pleaselookatthematterandmakeusinformedtheresult.9.4AccountsIntercourse账户往来分为银行之间和银行与客户之间两种情况。(1)银行帮助客户办理销户并转移资金的电函。Re:TransferofGray’sAccount#AO1234Enclosedaresavingspassbook#AO1234andcustomer’sdraft#B5678inthenameofSamGray.PleaseclosetheaccountandforwardtheprincipalbalanceplusanyaccruedinteresttoOVERSEASCHINESEBANKCORP.,LTD.Apostagepaidenvelopeisenclosedforyourconvenience.Wethankyouforyourassistanceinthismatter.(2)银行通知客户关闭支票账户。Re:YourUnusedChequesNos.33478&33479forClosingYourA/CAccordingtoourregulations,ourcustomersshouldreturnalltheunutilizedblankchequestousforcancellationbeforeclosingtheircheckingaccountsinourbooks.WeshallappreciateitifyouwillsendbacktoustheunusedchequesinconnectionwithyouraccountNo.33671sothatwecanremitthebalancetoyouraccountwithABCBank,NewYork.Wethankyouforyourcooperation.(3)银行通知客户账户透支并帮助客户申请信用额度。Re:YourAccount12345OverdrawnTheamountofyouraccountoverdrawnatcloseofbusinessyesterdaywasUSD2000anditwillbeappreciatedifyoucouldarrangeforcreditsnecessarytoclearthisbalanceassoonaspossible.Overdraftsareallowedtocustomersonlybypreviousarrangement,andwenoticethatyouraccountrunsonaverysmallbalance.Youmayneedtocometosomearrangementforoverdraftfacilities.Ifso,pleasebringwithyoudetailsofthecontractsyoumentionedandalsoacopyofyourlastauditedbalancesheetnextweek,andwecanthengomorefullyintothequestionofoverdraftfacilities.(4)请求在对方银行开立一个人民币账户。Re:OpeningaRenminbiAccountInrecentmonths,wehavebeenaskedtoopenanincreasingnumberofletterofcreditdenominatedinRenminbibyourclients.Inthisregard,wefeelthatratherthanaskingyoudrawinUSDonourNewYorkcorrespondentinreimbursementofeachnegotiation,itmaybesimpleforustoopenaRenminbiaccountwithyouandtogiveyoutheauthoritytofundtheaccountbydrawingontheFIRSTSAUDIBANK,NewYorkincertainamountofUScurrencywhenfundsarerequired.NegotiationsunderourRenminbiletterofcreditcanthenbedebitedtotheaccountinyourbooks.Ifyoudeemthisarrangementacceptabletoyou,wewillgiveyouthenecessaryauthoritytodrawonthesaidFIRSTSAUDIBANK,NewYork,whomweshallauthorizetohonoryourdrawings.Weanticipatetoreceiveyourearlyfavorablereply.(5)有关我们银行账户(12345)的对账单。Re:StatementofOurA/CNo.12345AsyourstatementofourcaptionedaccountendingNovember30doesnotindicateparticularsfortheamountUS$7,360andUS$6,830ofNovember17and23respectivelyonthedebitside,wearenotabletotracetheminourrecords.Weshallbemuchobligedifyouwilladviseusofnatureofthesetransactionsandourreferencenumbersothatwecandotheneedfulonourpart.(6)有关我们金额为100000美元的借记通知(56789)。Re:OurDebitAdviceNo.56789ForUSD100,000WithreferencetothecaptioneddebitadviceclaimingcablechargesfromyouthroughCityBank,weregrettostatethatowingtoanoversightonourparttheaboveclaimwaslodgedonyoubymistake.NowthatCityBankhasreversedtheentryatourrequest,youmayconsideroursaiddebitadviseasnullandvoid.Weapologizeforinconvenienceyoumighthavebeencausedinthematter.9.5LettersonCollectionsSample1YourCollectionNo.3456-02Weareinreceiptofyourcaptionedcollectionalongwiththerelativedocuments,whichhavebeendulyforwardedtothedrawees.Inthisconnection,wehavebeentodayinformedbyourclientsthattheydisagreetomakepaymentforthereasonthatthebillofladingunderthecollectionbears“tankatoneendslightlyrustyoutside.”Theywill,however,effectpaymentuponarrivalofthegoodsaccordingtotheiractualcondition.Sample2Coll.No.56708datedMay2,2003Ourclient,G&TCo.，Ltd.,asksyoutochangethedraweesofthecaptionedcollectiontoBBChemicalsIn.,NewYork.Weaccordinglyencloseherewiththenewdocumentsmadeoutinthenameofthenewdrawees.Draft—induplicateInvoice—intriplicateWeightList—intriplicateInspectionCert.—induplicatePleasereturntousatyourearliestconveniencethedocumentspreviouslysenttoyou.Welookforwardtoyouearlyattentiontothismatter.Sample3ReturnofDocumentunderOurColl.No.OC-03-6781Wethankyouforreturningtheunpaiddocume