1、Chapter 3 Status Enquiries 资信调查资信调查3.1 Introduction3.2 Specimen Letters3.3 Notes to the Specimen Letters3.4 Focal Words&Useful Expressions3.5 Useful Sentences3.6 Skill Training&Exercises3.1 Introduction (简介简介)资信调查的主要内容和调查要领如下资信调查的主要内容和调查要领如下:1.基本情况基本情况(Fundamental State)2.经营者情况经营者情况(Proprietor Situa
2、tion)3.劳务状况劳务状况(Labor Situation)4.经营条件经营条件(Operating Conditions)5.关系企业关系企业(Affiliated Companies)6.经营管理经营管理(Operating Management)7.银行往来银行往来(Cash in Bank)8.行业情况行业情况(Industry Situation)9.营业状况营业状况(Business Conditions)下一页下一页3.1 Introduction (简介简介)调查资信的方法有多种，应用最广泛的是通过银行调查。调查资信的方法有多种，应用最广泛的是通过银行调查。其他的调查渠道还
3、包括其他的调查渠道还包括:1.中国的驻外商务机构中国的驻外商务机构(Chinese Cotntnerce Agencies in Foreign Countries)2外国的驻华商务机构外国的驻华商务机构(Foreign Countries Cotntnerce Agencies in China)3.国内外咨询公司国内外咨询公司(Enquiry Companies al Hotne and Abroad)4.商会或有关的行业协会商会或有关的行业协会(Chamber of Cotntnerce)5.其他同行业或相近行业的企业其他同行业或相近行业的企业(Other or Similar Indu
4、stries Enterprises)下一页下一页上一页上一页3.1 Introduction (简介简介)在获得所需的资信资料后，调查者须凭自己的观察力加以判在获得所需的资信资料后，调查者须凭自己的观察力加以判断分析。分析时，一般应遵循断分析。分析时，一般应遵循“3C”原则，即品行原则，即品行(Conduct)、能力、能力(Capacity)及资本及资本(Capital)，这三者，这三者也是调查的主要内容。也是调查的主要内容。由于资信调查的信函是求之于人，所以要用礼貌和感激的语由于资信调查的信函是求之于人，所以要用礼貌和感激的语气书写。在收到信息后，无论是有利的或是不利的，必须回气书写。在收
5、到信息后，无论是有利的或是不利的，必须回寄一封感谢信表示信息已收到。这是一般应有的礼貌。寄一封感谢信表示信息已收到。这是一般应有的礼貌。上一页上一页返返 回回3.2 Specimen Letters (样函样函)Specimen Letters 1:An enquiry about a Company下一页下一页3.2 Specimen Letters (样函样函)Dear Sirs，As we are on the point of executing a considerable order from Messrs.J.A.Husman Co.，P.O.Box 386，Karachi，we
6、 should be much obliged if you would inform us，in confidence，of(heir financial standing and modes of business.The reference they have given us is the Standard Chartered Bank，Karachi Branch.Will you please be good enough to approach the said bank for all possible information we require?It goes withou
7、t saying that any information you may obtain for us will be treated in the strictest confidence and you are free from any responsibility.下一页下一页上一页上一页3.2 Specimen Letters (样函样函)We thank you in advance.Yours faithfully,Sinochem Jiangsu Import and Export CorporationLi Ping下一页下一页上一页上一页3.2 Specimen Lette
8、rs (样函样函)Specimen Letters 2:A favorable reply下一页下一页上一页上一页3.2 Specimen Letters (样函样函)Dear Sirs，In reply to your leper of March 251h，2009，we wish to inform you that we have now received from the Standard Chartered Bank，Karachi Branch，the information you required.J.A.Husman Co.，P.().Box 386，Karachi，was
9、 established in 1979 with a capital of Stg.1,000.They major in the import and export of machines and electrical equipments.Their suppliers business with them is reported to have been satisfactory.We consider them good for small business engagement up to an amount of Stg.3,000.For large transactions
10、we suggest payment by sight L/C.下一页下一页上一页上一页3.2 Specimen Letters (样函样函)The above information is strictly confidential and liven without any responsibility on this bank.Yours faithfully，China Construction Bank，Beijing Branch Wang Tao下一页下一页上一页上一页3.2 Specimen Letters (样函样函)Specimen Letters 3:An Unfavor
11、able Reply(Strictly Private and Confidential)下一页下一页上一页上一页3.2 Specimen Letters (样函样函)Dear Sirs，Upon receipt of your letter of March 25th，2009，we made inquires respecting the firm you mentioned and have obtained the following information:J.A.Husman Co.，P.().Box 386，Karachi，made an arrangement with the
12、ir creditor in December 2009.Their liabilitie were5.000，with assets4.000.The creditors agreed to a composition of 60p in the pound.A first dividend of 20p in the pound was paid alter six months and a second dividend of 20p three months later,but nothing further.The business is said to be snaking no
13、progress at the present tune，and we would advise you to exercise EXTREME CAUTION in your dealing with this firm.”下一页下一页上一页上一页3.2 Specimen Letters (样函样函)We have also made independent inquiries respecting the firm，and the result was practically a corroboration of our agents report.It would therefore，a
14、ppear inadvisable to enter info any credit transaction with this firm.You are welcome to this information free of charge，and we are pleased to have been of service to you in the matter.Yours sincerely，China Construction Bank，Beijing Branch Wang Tao上一页上一页返返 回回3.3 Notes to the Specimen Letters(样函注释样函注
15、释)1.We are on the point of executing a considerable order from Messrs.J.A.Husman Co.，P.0.Box 386,Karachi:我们正准备执行与位于我们正准备执行与位于卡拉奇、邮政信箱为卡拉奇、邮政信箱为386号的胡斯曼公司签署的一份大宗订号的胡斯曼公司签署的一份大宗订单。单。2.obliged：adj.used to thank someone very politely 非常感激非常感激 3.financial standing:the reputation and status of finance 财务状
16、况财务状况 4.mode of business:the way of behaving in doing business 经营作风经营作风下一页下一页3.3 Notes to the Specimen Letters(样函注释样函注释)5.It does without saying that any information you may obtain for us will be treated in the strictest confidence and you are free from any responsibility:不用说，我们一定不会泄露您提供的任何信息，不用说，我们
17、一定不会泄露您提供的任何信息，您也不需要承担任何责任。您也不需要承担任何责任。6.a favorable reply:a reply which is in favor of the company in question文中的意思是文中的意思是“信用良好的答信用良好的答复复”。7.Stg.:(abbr.)sterling，British pound英国货币英国货币8.Their suppliers business with them is reported to have been satisfactory:据说，该公司与其供货商之间据说，该公司与其供货商之间的合作一直令人满意。的合作一直
18、令人满意。9.For large transitions we suggests payment by sight L/C:对于大宗业务，我们建议使用即期信用证付款。对于大宗业务，我们建议使用即期信用证付款。下一页下一页上一页上一页3.3 Notes to the Specimen Letters(样函注释样函注释)10.an unfavorable reply:a reply which is not so much in favor of the company in question文中是指文中是指:“信用证不佳的答复信用证不佳的答复”11.Respecting:prep.Concern
19、ing 关于关于12.creditior:n.a person,bank,or company that you owe money to 债权人债权人13.liabilities:n.(usu.pl.)the amount of debt that must be paid 债务，负债债务，负债 14.assets:n.(usu.p1.)properly owned by a company that can be used or sold to pay debts(公司所有的、可以抵债或变卖后支付债务的公司所有的、可以抵债或变卖后支付债务的)资产资产15.The creditors agr
20、eed to a composition of 60p in the pound:其债主与之达成一项折偿协议，每英镑只偿还其债主与之达成一项折偿协议，每英镑只偿还60便士。便士。下一页下一页上一页上一页3.3 Notes to the Specimen Letters(样函注释样函注释)16.A first dividend of20p in the pound was paid after six months and a second dividend of 20p three months later,but nothing further:首首期每英镑归还期每英镑归还20便士的偿金六个
21、月后已经支付，第二笔偿金便士的偿金六个月后已经支付，第二笔偿金在三个月后也已支付，但余款就没有消息了。在三个月后也已支付，但余款就没有消息了。17.corrobotation:n.conformation by further evidence,esp.from a different source 证实；进一证实；进一步的证据步的证据18.credit transaction:credit business信用交易信用交易上一页上一页返返 回回3.4 Focal Words&Useful Expressions(焦点词汇和实用表达焦点词汇和实用表达)1.Focal Words(焦点词汇焦点词
22、汇)(1)on the point of 正要正要的时候的时候(2)exec ate 执行执行(3)considerable 相当的，可观的，重要的相当的，可观的，重要的(4)P.O.Box 邮政信箱邮政信箱(5)reference 资信证明人资信证明人(h)Standard Chartered Bank 渣打银行渣打银行(7)be good enough to 善意，惠于善意，惠于(8)approach 联系，接近联系，接近(9)in advance 事先，预先事先，预先(10)line 行业（范围）行业（范围）(11)machine tools 机床机床下一页下一页3.4 Focal Wo
23、rds&Useful Expressions(焦点词汇和实用表达焦点词汇和实用表达)(12)electric goods 电器电器(13)up to 直到，相当于直到，相当于(14)upon receipt of 一收到一收到(15)at the present time 目前目前(16)EXTREME CAUTION 极其谨慎极其谨慎(17)deal with 处理处理(18)enter into 参加，涉及，开始参加，涉及，开始下一页下一页上一页上一页3.4 Focal Words&Useful Expressions(焦点词汇和实用表达焦点词汇和实用表达)2.Useful Express
24、ions(实用表达实用表达)(1)execute execute an order(2)oblige Please oblige us by offering you lowest price.(3)inform They inform us that the L/C has been opened.(4)approach You may approach agents for your requircments.(5)on your part The responsibility falls on your part.(6)in advance We thank you in advance
25、.(7)capital registered capital下一页下一页上一页上一页3.4 Focal Words&Useful Expressions(焦点词汇和实用表达焦点词汇和实用表达)(8)line We are in the line of machine tools.(9)engagement be under an engagement(to)(10)upon receipt of Immediately upon receipt of your L/C we will ship your order.(11)respect in all respects(=in every r
26、espect)(12)agree to Agree to do compensation trade.(13)advise advise with sb.On sth.(14)deal with The meeting will deal with these problems.(15)enter into enter into business relation上一页上一页返返 回回3.5 Useful Sentences (实用语句实用语句)1.We should appreciate it if you could obtain for us all information about
27、the financial and credit standing of Messrs.James Neil&Co.in London.The reference they have liven us is Honk Kong Standard Chartered Bank.2.The HSBC bank of your city will give you any information you may require concerning our credit standing as well as our manner of doing business.下一页下一页3.5 Useful
28、 Sentences (实用语句实用语句)3.Messrs.J.M.Shneider&Co.have recently written to us that they are the leading importers in Germany and wish to establish business relations with us in the line of machine tools.As we know nothing about the firm we should be obliged to you if you would get for us some informatio
29、n about this company.4.ABC Corp.has given us your name as a reference，and we should be very much obliged if you would advise us whether they are of good repute and should be allowed credit up to that amount.下一页下一页上一页上一页3.5 Useful Sentences (实用语句实用语句)5.We should appreciate it if you would provide us
30、with reliable information respecting Messrs.J.C.Maxwell company.We wish to know if their financial standing in considered strong.6.Will you please be so kind as to furnish us with details,as exact as possible,as to the credit which may be safely allowed to the firm whose name is given on the attache
31、d slip.7.We believe that our future dealings with them will largely depend upon their credit standing and reputation.下一页下一页上一页上一页3.5 Useful Sentences (实用语句实用语句)8.The subject company is now offering to present us in the sale of our Sewing Machines,and has referred us to your bank for detailed informa
32、tion about its credit standing,business capacity and character.The firm under mentioned in your city,who has written to us,state that they are the leading importers in your place dealing in chemicals and they now wish to switch to us for the supply of the similar item.下一页下一页上一页上一页3.5 Useful Sentence
33、s (实用语句实用语句)10.In reply to your letter of April 3rd，2009，we are pleased to inform you that the firm mentioned In your letter was set up twelve years ago.The capital of the firm is registered as USD200,000.They are in the wholesale bade as well as in retail.Our record with is quite satisfactory.11.Me
34、ssrs.Anderson&Co.，is dealing in pharmaceutical chemicals.They have wide connections with an annual turnover of about USD200,000.We usually grant them credit up to an amount of USD 60,000 without security and they have never failed to meet their engagement.下一页下一页上一页上一页3.5 Useful Sentences (实用语句实用语句)1
35、2.We should be obliged if you would inform us，in confidence，whether your business relations with them during the past would lead you to advise us to allow them 3 months credit，without security，to the amount of USD 50.000.13.They are inexperienced in business and extreme caution is advised in grantin
36、g credit.14.The corporation trades principally in electric and electronic commodities with America and Japan.We have a high regard for(heir business ability and financial standing.Their reputation here decidedly good.We hope that you will treat it as confidential.下一页下一页上一页上一页3.5 Useful Sentences (实用
37、语句实用语句)15.We are glad to enter info business relations with you and hope you can give us the names of two banks as a reference.We hope to negotiate further for the specific transactions.16.We have much pleasure in stating that they are a small but highly respectable firm,and very old and valued cust
38、omers of ours.17.As far as we know，they are sound enough，but we have no certain knowledge of their true financial position.18.The firm you enquire about is one of the most reliable importers in our district and has for many years enjoyed good reputation among the traders.下一页下一页上一页上一页3.5 Useful Sente
39、nces (实用语句实用语句)19.Any information you may give us will，of course，be treated as strictly confidential.20.We do not know enough about this firm to dive satisfactory answers to your enquiry.21.We shall appreciate it if you will let us know their financial position.22.As we are on the point of transacti
40、ng some important business with them,we should like to know exactly how their credit standing is.23.Of late,payments have been quite irregularly made,and on more than one occasion we have had to press for them.下一页下一页上一页上一页3.5 Useful Sentences (实用语句实用语句)24.Any statement on the part of this bank or an
41、y of its officers as to the standing of any person,firm or corporation,is given as a mere matter of opinion for which no responsibility,in any way,is to attach to this bank or any of its officers.25.It is,of course,understood that this is no more than a personal opinion,for which we accept no respon
42、sibility,and we trust that it will be treated with the strictest discretion.26.We are informed:The company is a newly-formed corporation，having been chartered in October of 2007 with an authorized capital of USD50,000 with only USD5,000 recorded as having been paid in.下一页下一页上一页上一页3.5 Useful Sentence
43、s (实用语句实用语句)27.Plesae note that this information is furnished without any responsibility should be held strictly confidential.28.We regret our inability to tell you anything positive concerning the firm mentioned in your letter of the 23rd ult.上一页上一页返返 回回3.6 Skill Training&Exercises (技能训练与练习技能训练与练习)
44、1.Skill Training(技能训练技能训练)(1)DiscussionWhy are credit and status inquiries international trade?Under what circumstances we have to perform a credit and status inquiry?And why?(2)Do it yourselfVisit the Overseas Department of a bank to find out the normal practice when it is requested to give advice as to the credit and financial standing of its clients.Prepare the documents the hank needs if you want to get relative information about your potential business partners.返返 回回
