銀行辦理信用證英語對話

　　導(dǎo)語：辦理信用證是銀行提供的一項服務(wù)，下面是一則有關(guān)辦理信用證的英語對話，希望大家可以從中學(xué)到知識。

　　能幫你什么忙嗎，先生?

　　C: Yes, I want to open an L/C, but I don t know how to work?

　　對，我想開個信用證，但我不明白如何運作?

　　T: OK, Let tell you. A letter of credit is a written payment instrument issued by a bank at the request of a customer . It will be sent to the exporter to make shipment and prepare the documents specified in the L/C. As soon as the L/C and documents are presented to the issuing bank, the bank must pay to the exporter . The bank acts as the first payer and this is the most important feature of L/C.

　　好，讓我來告訴你。信用正是應(yīng)客戶(通常是進(jìn)口商)的要求而開立的一種付款承諾文件，信用證將被寄給出口商，使出口商可以把貨物裝船， 并根據(jù)信用正的要求準(zhǔn)備單據(jù)。一旦信用證和單據(jù)提交給開證行，開證行必須立即付款給出口商(受益人)。銀行就作為第一支付人進(jìn)行支付，這就是信用證最重要的特征。

　　C: I see, would you tell me what s the main content of an L/C?

　　我明白了，你能告訴我信用證的主要內(nèi)容嗎?

　　T: Name, quality, unit price and amount of goods, ports of loading and destination, price and payment terms, shipping documents, latest shipment date and validity of the L/C.

　　商品的品名，數(shù)量，單價和種類，裝貨港和目的地，價格和付款條件，裝船單據(jù)，最后裝運期和到目的地的有效期。

　　C: Then how can I send an L/C to my customer?

　　那么，我怎么才可以向我的客戶開出信用證呢?

　　T: In practice, the issuing bank will send the L/C to one of its correspondents at the place of export by mail of cable. After verifying the authenticity of the L/C, the correspondent will send the L/C to the exporter.

　　習(xí)慣上，開證行總是向出口商所在地的代理行發(fā)出郵件或電報，在檢驗信用證的真實性后，代理行(通知行)將向出口方發(fā)出信用證。

　　C: How can my customer receive the proceeds?

　　我的客戶怎樣才能收到錢?

　　T: The exporter will make shipment and present the L/C with all the documents to a negotiation bank if it is available by negotiation. If the documents are in compliance with the terms of the L/C through carefully checking, the bank will negotiate the documents and send them to the issuing bank for reimbursement. The issuing bank will debit importer s account when releasing the shipping documents to the importer. The whole transaction now comes to the end.

　　信用證是可以議付的，出口商向議付行提交信用證所要的所有單據(jù)， 只要所提交的單據(jù)和信用證要求的條件是一致的話，銀行將議付。當(dāng)開證行將裝船單據(jù)交給進(jìn)口商時，開證行就借記進(jìn)口方的帳戶，整個交易就完成了。

　　C: I see, Thank you very much

　　我明白了，謝謝你!

　　T: you re welcome!

　　別客氣。

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