Bank Letters Writing-------correspondent relationship 1.The functions of bank lettersAs we all know, bank letters is international financial communication between the banks and generally refers to the letters which are used to transmit the information, to deal with business matters and to contact or communicate for the relationship. In the modern society, bank letters is indispensable between the banks and has many functions.Letters, E-mail became a necessary tool of communication, it indicates the importance of international financial correspondence in commercial banking. International financial correspondence is international financial exchange and inter bank on economic and financial operations in English thinking and communication of the telecommunications documents. Commonly used in business letters are mainly the consultation letter, inquiry letter, reply letter, request letter, notification and contact letter, etc. International financial correspondence is our business ties with the rest of the world outside of the necessary means, not only can expand trade business in our country, and can better improve the efficiency of business transactions, promote the communication between the commercial Banks. At the same time, greatly saving the cost and promote the perfection of our country's banking system, improve the overall level of China's commercial banking. It changes the enterprise's own production, operation, management, and the traditional way of trade impact. The most obvious sign is the increased trade opportunities.For banks, bank letters is a medium for banks to communicate with each other so as to exchange or obtain the information which they are needed, in a way, it’s the foundation for banks to expend their owe banking business. On the other hand, they may finally set up a friendly partnership. For companies, it not only changes enterprise’s production, operation and management, but also brings a big impact to the traditional mode of trade. Bank letters increase the opportunities of international trade, reduce the cost and improve the trade efficiency, because of its owe characteristics such as globalization, opening, low cost and high efficiency. And in a macro sense, I think the international financial correspondence which also called bank letters had greatly motivated the development of international trade and international financial markets. In this way, we can see that bank letters plays a significant role in the international banking business.2.How to write a bank letterGenerally speaking, international financial correspondence to set up agency relationship consists of two kinds of letters: request for the establishment of agency relationship and reply to the proposal of agency relationship. Here we choose the letter of request for the establishment of agency relationship as a sample to analyze. Firstly, we will analyze from the structure. A complete bank letter usually consists of the following 14 parts: letter head, date, reference, inside address, attention note, salutation, subject, body of letter, complimentary close, signature, reference initials, enclosure notation, carbon copy notation and postscript. And among these parts, theletter head, date, inside address, salutation, subject, the body of letter, complimentary close, signature are the eight indispensable parts. So we should know how to write these parts of the letter for agency relationship.Secondly, we will discuss from the arrangement of the contents. The structure I stated hereinafter is an overview of a bank letter and the three sections such as the opening paragraph or sentence in the body of the letter is an abstract conception. But in this section, I will set forth the letter from its content. Generally speaking, we can divide the letter of the request for the establishment of agency relationship into three parts specifically. After looking at the sample letter, I know that we should state the purpose and the wish, state the necessity of establishing the agency relationship and put forward the specific plan.When we want to tell something to the receiving bank, we commonly use such sentences as “we are pleased to inform you that…. / we wish to advise you that…. /we would like to inform you….” For example, the application in the sample letter is that “we are pleased to note that the volume of business between….”, which is good reflection. On the contrary, if we want to gain some information from another bank, we will say “please inform us that /please let us know that /we shall be pleased to have your information on”. Furthermore, in the case of acknowledging the receipt of the letter, we usually use “thank you for your letter…./we acknowledge with thanks the receipt of your letter…./we are in receipt of your letter….”. And the final sentence is generally to state the writer’s expectations, there are some examples, such as “we are looking forward to receiving your early reply / we wish you a greater business volume /we are waiting your favorable reply” and so on.In my opinion, the expression of language is very important to a letter. It is not only just a letter but also represents for the bank. Once the expression is not correct, it will effects the relationship and cooperation between two banks, so when we write a letter, we should express correctly. There are some main points that we should pay attention to, first is politeness, like many sentences stated above contain some words such as “please, thank you”. Second, the writer should use some mild words to present their advice, such as the sentence in the sample letter “should the proposal meet with your approval, please send us….”, we can’t say “you must approve our propose and send us….”, so we can know that the expression with a order is not allowed in a letter, the bank must respect the receiving bank, which is distinct from the English business letters that are “we sincerely recommend you to accept our proposal as our stocks are getting lower and lower…”. If we have compared with them, we can find that there are many differences between bank letters and English business letters. Third, the words of expression should show our goodwill of establishing agency relationship as much as possible. Like the words in the sample letter “we are pleased to…./we wouldlike to…./please send…./please take….into consideration”. These all reflect our good attitude and sincere expectations. Finally, because the bank letters is circulated between banks around the world, the expression of language must be commonly used in the international financial communications and must be formal.(一)Proposing the establishment of correspondent relationship(二)Favorable reply3.Personal FeelingsBefore starting the courses in this semester, I have never come into contacting with the financial correspondence.I just thought that the teacher will teach us how to write letters between the banks in English from this name of course and I believed there isn’t big trouble in learning bank letters’ writing.But because of my poor English level,I was worried if I can understand what the teacher say and expressed my view suitably.With an uneasy heart, I began the first lesson by Mrs Xie.Actually,we have been on her other class on Tuesday.When she appeared,the first thing she did was to explain the composition points at ordinary times for us ,and my heart was full of the feeling of speechless as looking at the strict proportion.However ,from the bottom of my heart,Ilike this teacher, who is principled,not only to students,but also to herself.I think the students who have the ability and the courage are worth a higher score indeed,by the way,I dislike those students who close to teachers on purpose in order to be recognized and get higher score at the end of term. The world although sometimes unfair, but Mrs Xie still made it as far as possible the fair in her class,and I think a lot of teachers can’t do it in University.So,I enjoy her style.Then talk about the process of the class.To be honest,in previous lessons,because there were too many things should be wrote and the teacher going too fast ,I felt it a little difficult to adapt.So,at this time,I always hoped that Mrs Xie could put more things that we need to take notes by our self on her PPT. After contacting with real bank letter , I began to know the difficult to learn it .For example ,a complete bank letter usually consists of the 14 parts and each part has its own structure and layout,I think it’s not easy to remember every part clearly.Next,due to the bank's business is varied,the body of letter also contains a variety of forms. We learned correspondent relationship, credit inquiry,bank account & bank accounting,credit and loan,letters of credit,bills for collection includes that request for the establishment of correspondent relationship and reply to the proposal of correspondent relationship,credit inquiry,bank account & bank accounting,credit and loan,letters of credit,bills forcollection.Through the sample letter of learning and practice from the teachers,now I can translate some simple bank letters by myself rapidly but I can’t guarantee a high quality.What let me the deepest memory was my first try to translate the whole bank sentences in fifteen minutes.At that time ,I thought it might be an impossible mission for me because the time is so limited.when I started to write,I found that the usual smooth sentences in mind just like a mess now ,all kinds of Tenses, prepositions and clauses were filled with my mind so that I could not write a complete sentence logically.At the last minute before ringing,I barely finished only half of it ,and in my own opinion ,it seemed so mangled.However,there was a girl completed the quest of teacher on time and I very admired her speed.In next class,with sample sentences slowly to present,I compared it with my own article and found so many differences between both of them ,not only in words too colloquial ,but also the connection between the sentences is in a mess.Through this practice, I realized I has many deficiencies in the translation of business correspondence.As on class,I usually listen carefully and something would be remembered and understanded,but if not review at that time ,it will be forgotten after back.And to the next, when you want to use them ,only a vague impression in mind, such is the low efficiency of learning.In order to avoid this situation ,therefore, after class,I will review what I learned from head to foot to deepen impression.It was a good way to help me writing.To my delight,through practicing continually,I could complete the translation from teach punctuality and it proved that my English writing ability has been significantly improved.Finally,I want to say some difficulties in the process of learning bank letters.One is the lack of professional knowledge and professional English vocabulary.Although I am a financial professional students,to be honest,in addition to teachers handed overthe contents of the class, I never go to look for other books to learn on this major.In my heart,I clearly know it is not enough to listen knowledge from classes only,but I am too lazy to spent time going to library or looking professional books in dormitory.Therefore,the consequence is that when I heard some profession vocabulary in class,I always have a little impression but not clear , sometimes I felt I have never heard about it but it maybe appear few days ago.As for English,it is my biggest weakness.Because I don't like English,thus,even if some profession vocabulary have been seen before,I also feel it strange and don't know its Chinese meaning.As a students who will enter the financial sector and engaged in related work in the future , I know the professional knowledge and professional English are very important, which even is considered to be a foundation, so I will try to improve myself as possible as I can.Another is I have a poor ability in the language organization.In order to show the formal performance , financial correspondence often use multiple complex sentences, which requires the complete sentence structure, the logic is clear, and prepositions used properly.But it is really a big challenge for me.Actually, I was a little discontent with so many difficult professional courses in this semester originally , because I think junior should be more relaxed,.However the result is more hard than sophomore,as there are a lot of things need to write and remember in class.But now I feel such a busy and substantial learning is very good, because comfort will inspire the inertia of people, have pressure to just have motive.The teacher's teaching method make me feel back to high school, although it is tough enough, it can stimulate the potential of people, so it is very good, isn't it?If you want to has higher starting point and more opportunities than others after graduation, you must be enough cruelty to yourself , because the chance is always for the prepared person.[文档可能无法思考全面，请浏览后下载，另外祝您生活愉快，工作顺利，万事如意!]。
