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| Line of Credit(2)--Dialogue |
| 2002年08月04日10:49:14 空中美语 |
Dialogue
An American importer meets with a Taiwan exporter to discuss terms of payment.
Importer: Thank you for meeting with me this morning. We've been getting together quite often lately. My company is very pleased with the deal I've been able to negotiate.
Exporter: Yes, we've been able to undersell the competition with our new hearing device.
Importer: Now that we've settled on a price, we need to discuss terms of payment. Is it necessary to do anything special in the way of payments for international trade?
Exporter: You could have the goods sent on consignment. That way you wouldn't have to pay until you actually sold the hearing devices.
Importer: But wouldn't we get a better deal if we bought the goods outright? We'd expect to be able to obtain a reasonably large reduction in price.
Exporter: Yes, you would; and we'd prefer to have the money up-front, so we can pay off our transistor supplier.
Importer: Has the supplier indicated a need for money?
Exporter: Oh, no. They're an enormously well-financed organization. It's just that we'd get a discount if we paid before the fifteenth of the month.
Importer: Can we pay you by check?
Exporter: The customary method of payment in international trade is the letter of credit. A local bank will grant you, let's say a letter of credit line of $250,000. You would then need to pay one half the total invoice in local currency. The balance would be payable upon receipt of the goods.
Importer: How can I open a letter of credit?
Exporter: You would need to describe the transaction to the bank, and specify the documents the bank needs. For example, the certificate of insurance.
Importer: I see no reason why my company can't operate this way.
Exporter: We ask you to use an irrevocable letter of credit.
This means that the bank would guarantee payment even if your company is unable to pay. This way we maintain continuous control over our financial risk until the final payment is made.
Importer: I guess the next step is for me to visit the bank.
Thank you for making my first importing experience a pleasant one.
Exporter : Well, exporting is what we're in business for. I notice that you have very few hesitations about beginning.
Importer : You've calmed my fears marvelously.
—位美国进口商和—位台湾出口商会面商谈付款条件。
进口商：谢谢您今天早上抽空和我碰面。最近我们会过几次面了。公司对这笔生意很满意。
出口商：是的，我们新助听器材的价格比竞争者卖得便宜。
进口商：既然价钱已经谈妥，该谈—谈付款条件了。国际贸易需不需要有什么特别的付款方式呢?
出口商 ：您可以用寄售的方式。这样您只需在这些助听器材实际卖出后才付钱。
进口商：假如我们把货买断不是比较有利吗?我们希望能得到合理的大折扣。
出口商：是的，会有折扣的。我们也宁愿有现金周转。这样可以付钱给电晶体供应商。
进口商 ：供应商需要现款吗?
出口商：噢，那倒不是。他们公司财务状况良好。只是因为我们在当月十五号前付款的话，就可以享有折扣。
进口商：可以用支票付款吗?
出口商：国际贸易惯例的付款方式是用信用状（L／C）。当地银行会给您一个信用状融资额度，譬如说二十五万美金。这样您需要以当地货币付总发票金额的一半。其余的则等到收货时付清。
进口商 ：我怎样才能开发—张信用状呢?
出口商 ：您需要对银行说明交易的细节，列明银行要的文件，例如投保证明等。
进口商 ：我想应该没问题。
出口商：我们要求您们开一张不可撤销的信用状。这样即使贵公司没法付款，银行也会付款。这种方式可使我们能控制财务风险，直到付款为止。
进口商 ：我想接下来该是去银行了。谢谢您让我第—次办出口业务这么愉快。
出口商 ：我们这一行的生意就是出口。我看您倒是初生之犊不畏虎。
进口商 ：多亏您了，我有什么好担心的呢。
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