银行业务例文及外贸结算英语

Discuss differences between the letter of guarantee and the letter of credit Summary :The article shows the differences between the letter of guarantee and the letter of credit . The differences mainly find expression in the definition , the essential contents , the debt and responsibility of relationship, the rage of suit , responsibility of payment , the basics of claim reimbursement, relate to the contract, operate the object, the trade can be equity trading or not , the kinds of the letter of credit and bank’s letter of guarantee and so on . Though they are made on the bank’s credit and undertake the primary responsibility . Through comparing the letter of guarantee with the letter of credit , we can clearly know the letter of guarantee and the letter of credit . And if we get a job in a bank , we can also help people to distinguish them after several days . Therefore , it’s important to know the difference between the letter of guarantee and the letter of credit .Key words :The letter of guarantee , the letter of credit , bank creditThere are nine aspects to explain the difference between the letter of guarantee and the letter of credit as follow.Firstly , the definition is different. The letter of credit are made on the bank’s credit with the issuing bank undertaking the primary responsibility for payment , which promotes the development of international trade by guarantee the proceeds as well as the documents and offering financial facilities to both parties . The letter of guarantee is written undertaking issued by a bank at the request of the applicant , guaranteeing that the applicant will take payment to the beneficiary within the limits of a stated sum of money in the event of default by the principal .Secondly , the essential contents are different. The letter of credit contains three most important parts . The first part concludes kinds of credit, amount in figures and words , number , date of issue , expiry date and place of the address, applicant’s name and address , beneficiary’s name and address , advising bank’s name and address . Second part concludes bill of exchange clause , shipping documents clause , goodsclause , transportation clauses and other or special terms and or conditions . The third part includes the instructions to negotiating bank , the issuing bank’s undertaking clause , the issuing bank’s name and signature , this documentary credit is subjected to UCP600. But the letter of credit includes five parts . The first part is the basic program which contains the guarantee’s number , issuing date , parties’name and address , relevant trade or name of program , relevant contract or biding document’s number and contracting or date of issue and so on . The second part is responsibility clauses which is main body forming bank’s letter of guarantee. The third part is guarantee amount that issuing bank or other financing organization bears the most amount . The third part is period of validity which is the latest claim date or be called expiry date . The five part is way of claim that means beneficiary can come up with claim to the issuing bank on any occasion . And for this condition , there are two ways to deal with it on the international. One way is first demand guarantee , another way is conditional guarantee.Responsibility of payment is different. For the letter of credit , issuing bank takes on the first responsibility of payment . And if the credit is available , the bank will pay at maturity . Sometimes , even though the credit is available , the bank could default of payment . But on the bank’s letter of guarantee operation , bank’s demand guarantee takes on the first responsibility of payment and bank’s accessary guarantee takes on the second responsibility of payment . In spite of principal agree with it or not or what is the real fact, the guarantee of bank must take the responsibility of payment when someone has a reasonable claim.The rage of suit is different . In general , the letter of credit applies to goods of trade . But the bank’s letter of guarantee can suit many aspects . It concludes international engineering contracting , tender and bid , debit and credit operation , repayment and advanced payment , maintenance and so on .The debt and responsibility of relationship is different. Once the letter of credit is created , the issuing bank means the principal debtor . But bank’s letter of guarantee is a guarantee certificate which takes the responsibility of payment and it takes the responsibility of absolute payment .The basics of claim reimbursement is different . The basic of claim reimbursement is shipping documents which are commercial bills on the letter of credit . But the basic of claim reimbursement is claim letter or other certificate document which can prove the default of principals.Relationship with the contract is different. The letter of credit , once issued , though it on the basis of the contract , such credit is a separate transaction from the sale of other contract on which it may be based and banks are in no way concerned with or bound by such contract , even if any reference whatsoever to it is included . In a word , the letter of credit is an independent and autonomic document . However , compared with the the guarantee agreement and guarantee , the transaction between the principal and the beneficiary is master contract. That is to say , the guarantee agreement is affiliated with the master contract and is affected all kinds of contains about the contract.Operating the objections is different. Regarding to the letter of credit , credit transaction is the trade dealing with documents and not with services , goods or other performance . Accordingly, on principle , when banks receives the documents submitted by the beneficiary , they usually examine the document or to make sure whether they comply with the terms and conditions of credit, and pay no attention to the discrepancies between the documents and the goods actually delivered by the beneficiary . As long as the documents presented by the beneficiary are in compliance with the terms and conditions of credit , the issuing bank or the nominated bank should be honor . The issuing bank and the nominated bank must examine a presentation to determine , on the basis of the documents alone , whether or not the documents appear on their face to constitute a complying presentation. In addition , what we need special emphasis is when the applicant finally receives the documents from the issuing bank ,whether he will accept or not should only depend on the documents’compliance with the credit . But for the bank’s letter of guarantee , the bank need to analysis and estimate the contract and the risk of the relevant details . The bank’s letter of guarantee must make sure the guarantee debt’s details , amounts , kind of the guarantee , cash of deposit , handling charge , the condition , date , theperiod of guarantee , the change of contract , the cancel of contract , the liability for breach of contract on the rule about the bank issuing the letter of guarantee. Under the circumstances, they know the owner of rights and obligations . Therefore , when the bank gets an applicant of guarantee , bank has a necessary to check the principal’s credit standing and respectability , status of debt , the details of guarantee and the operating risk . The reason why check these information is that the bank wants to reduce the risk up to the hilt .The functions between the letter of credit and bank’s letter of guarantee is different. For the letter of credit , the beneficiary can through negotiation to get the flow of cash. But as for bank’s letter of guarantee , unconditionally appropriated to the contract of document couldn’t be a evidence to claim and it wouldn’t be mortgage loan . So the beneficiary don’t get the capital turnover.the kinds of the letter of credit and bank’s letter of guarantee are different. Classification of letters of credit varies with different points of view . According to the attaching of documents , there are clean credit and documentary credit . According to the Revocability of credit , there are revocable credit and irrevocable credit . According to the adding of confirmation , there are confirmed credit and unconfirmed credit . According to the method of payment , there are sight credit , deferred credit , acceptance credit and negotiation credit . In addition , there are negotiation credit and anticipatory credit and transferable credit . However , types of bank’s letter of guarantee has less than the letter of credit . There are bid bond , performance guarantee , refund guarantee , loan guarantee , overdrawn guarantee , payment guarantee , guarantee for bond payment , leasing guarantee , quality guarantee , maintenance guarantee , retention money guarantee ,bail bond , customs guarantee , guarantee for compensation trade and so .That’s all the difference between the letter of credit and bank’s letter of guarantee . In the moment, it’s important to distinguish the details . After all , you know that and you can do it well . Thus , you can not only do better in your homework or your test, but also it’s very useful on your future work .。

描述一家银行的主要业务英语作文English: A bank's primary business involves providing financial services to individuals, businesses, and governments. Services typically include accepting deposits, providing loans, facilitating electronic transfers, issuing credit cards, and offering investment opportunities. Banks play a critical role in the economy by promoting saving, investing, and lending activities. They also act as intermediaries between borrowers and lenders, helping to allocate capital efficiently. Additionally, banks offer various financial products such as insurance, wealth management, and financial planning services. With the advancement of technology, many banks now provide online and mobile banking services to offer convenience and accessibility to their customers. Overall, a bank's main goal is to safeguard deposited funds, generate profits, and support economic growth in the communities they serve.中文翻译: 银行的主要业务包括向个人、企业和政府提供金融服务。

银行业务英语汇票汇款例文汇票汇款例文兹同函奉上支票面额50000元，请记入近藤幸造先生的帐款内，同时请寄收据二份为荷。

Herewith we enclose a cheque, value $50,000, which please place to the credit of Mr. K.Kondo, and acknowledge receipt to us in duplicate.依照佐藤先生指示并受其委托，兹奉上即期汇票一纸面额200000元。

请贷入该人的帐户为荷。

By order and for aount of Mr.Satoh, I hand you enclosed a draft for $200,000 at sight, which please pass to the credit of his aount.兹奉上面额250000元的支票一张，敬请交付收据为荷。

I send you herewith a cheque, value $250,000, receipt of which please acknowledge.为结清5月1日贵方发票，我们奉上三尾银行汇票面额125000元，惠请记入本公司贷方帐户，并惠请开出收据为荷。

In settlement of your invoice of 1st May, $125,000, we enclose a draft, on the Mitsuo Bank, for which amount please credit our aount and acknowledge receipt.付款已收到为结清委托销售，我们已收到面额100000元支票一张，现已转入贵贷方帐户，非常感谢。

We acknowledge receipt of your cheque, $100,000, in settlement of the charges on the consignment, and pass this sum to your credit, with best thanks.我们于昨日收到贵函及面额55000元支票一张，谢谢。

外贸结算英语一、外贸实用结算英语外贸结算英语分类比较细，因此，不同的外贸结算方式，外贸结算英语的使用也有较大的差别。

1、外贸结算英语-商业票据commercial bills信贷规模管理(存款准备金率、中央银行贷款利率、公开市场业务) control over scale of bank credit (reserve ratio on deposits, central bank's lending rates, open market operations)2、外贸结算英语-采取灵活措施exercise flexible measures融资(项目贷款、债券股票融资、集资、游资、经常性贷款、贷款利率、赠款、担保人)financing(project financing, financing in the form of bonds and stocks, fund raising, idle funds, commercial lending, lending rate, grants, guarantor)经过15年的努力，中国已经初步完成了价格改革，截止到1992年底，靠市场调节价格的商品已占93%。

Following 15 years of effort, China has initially completed prices reform. By the end of 1992, commodities subject to market regulation have accounted for 93%.3、外贸结算英语-金融保险BANKING AND INSURANCE BUSINESS(银行、商业、消费、国家、民间)信用(banking, commercial, consuming, state and non-governmental)credits全市初步形成了以同业资金拆借市场证券市场和外汇调剂市场为主内容的金融市场体系。

结算英文1. IntroductionIn the field of finance and commerce, settlement plays a crucial role in the transaction process. Settlement refers to the completion of a financial transaction, including the final transfer of funds or assets between parties involved. As English is the lingua franca of international business, it is essential to have a good understanding of settlement-related terms and expressions in English. This document aims to provide a comprehensive guide to common settlement English.2. Understanding Settlement Terms2.1 Payment TermsPayment terms are crucial in determining the timing and method of payment. Here are some common payment terms:•Net 30: Payment is due 30 days from the date of invoice.•2/10 Net 30: A discount of 2% can be availed if payment is made within 10 days. Otherwise, the full amount is due within 30 days.•COD: Payment is required at the time of delivery.•Advance Payment: Payment must be made in advance before goods or services are provided.•Cash on Delivery (CoD): Payment is made when the goods are delivered.•Letter of Credit (LC): A letter issued by a bank guaranteeing payment to the seller upon submission of required documents.2.2 Document HandlingDuring the settlement process, various documents are exchanged between parties involved. Here are some common document handling terms:•Invoice: A document sent to the buyer indicating the amount to be paid.•Receipt: A document acknowledging that payment has been received.•Purchase Order (PO): A document issued by the buyer to the seller, indicating the items or services to be purchased.•Delivery Note: A document accompanying goods being delivered, providing details like quantity, description, and condition of the goods.•Bill of Lading (B/L): A shipping document that serves as proof of shipment and receipt of goods by the carrier.•Customs Declaration: A document required by customs authorities for the import or export of goods.•Certificate of Origin: A document stating the country of origin of goods.3. Common Expressions and Phrases3.1 Requesting PaymentWhen requesting payment, it’s important to use clear and polite language. Here are some common expressions used:•Kindly settle the outstanding balance of $X.•Please remit payment within X days.•We kindly request payment by the specified due date.3.2 Confirming PaymentWhen confirming that payment has been received, you can use the following expressions:•We acknowledge receipt of payment in the amount of $X.•Payment has been received and your account is now settled.•Thank you for your prompt payment.3.3 Negotiating Payment TermsSometimes, parties may need to negotiate payment terms. Here are some phrases that can be used:•Would it be possible to extend the payment deadline by X days?•We propose a discount of X% for early or upfront payment.•Can we arrange a payment plan to stagger payments over a specified period?4. ConclusionHaving a strong command of settlement English is essential for effective communication in the financial and commercial sectors. With a good understanding of payment terms, document handling, and common expressions used in settlement-related communication, professionals can ensure smooth and efficient transaction processes. This document has provided an overview of settlement English, but it is important to continue expanding your vocabulary and understanding in this field as it evolves and develops.。

国际贸易货款支付英语作文Title: International Trade Payment Methods。

In the realm of international trade, the smooth flow of transactions relies heavily on efficient payment methods. One of the critical aspects of trade is how buyers and sellers agree to exchange goods for payment, especially when dealing across borders. In this essay, we will explore various modes of international trade payments and their significance in facilitating global commerce.1. Letter of Credit (LC):A letter of credit is one of the most widely used payment methods in international trade. It serves as a guarantee from a buyer’s bank to a seller that the payment will be made on time and for the correct amount. The issuing bank, upon the seller's compliance with the terms and conditions outlined in the LC, ensures that the payment is made promptly. This method provides security to bothparties involved, as the seller can be assured of payment upon fulfilling the contractual obligations, while thebuyer can ensure that payment will only be released upon satisfactory delivery of goods.2. Documentary Collections:Documentary collections, also known as cash against documents (CAD), involve the exchange of shipping documents for payment through banks. Unlike letters of credit, documentary collections do not offer the same level of security, as the bank only acts as an intermediary in the transaction. The seller retains control over the goodsuntil the buyer makes payment or accepts a bill of exchange, which presents a risk for both parties. However, documentary collections are preferred in transactions where there is an established trust between the buyer and selleror for lower-value transactions where the cost of establishing an LC is prohibitive.3. Advance Payment:Advance payment involves the buyer making full payment before the goods are shipped or the services are rendered. While this method eliminates the risk for the seller, it poses a significant risk for the buyer, as they have little recourse if the seller fails to deliver as promised. Advance payments are typically used in transactions where the buyer has a high level of trust in the seller or when dealing with unique or custom-made products.4. Open Account:In an open account arrangement, the seller ships the goods and invoices the buyer, who agrees to pay at a later date, usually within a specified credit period. This method is the simplest but also the riskiest for the seller, as they have no guarantee of payment until after the goods have been delivered. Open account terms are often used in long-standing relationships where there is a high level of trust between the buyer and seller or in industries whereit is customary to extend credit terms.5. Cash in Advance:Cash in advance requires the buyer to make payment before the goods are shipped or the services are provided. This method provides the highest level of security for the seller but can be a deterrent for buyers, especially in competitive markets where flexible payment terms are common. Cash in advance is often used in transactions involving new or unknown trading partners or when dealing with high-value goods to mitigate the risk of non-payment.In conclusion, the choice of international trade payment method depends on various factors such as the level of trust between the parties, the value and nature of the goods or services being traded, and the prevailing market conditions. Each method has its advantages and disadvantages, and it is essential for buyers and sellersto carefully consider their options to mitigate risks and ensure the smooth execution of international trade transactions.。

Bankaccount number 帐目编号depositor 存户pay-in slip 存款单a deposit form 存款单a banding machine 自动存取机to deposit 存款deposit receipt 存款收据private deposits 私人存款certificate of deposit 存单deposit book, passbook 存折credit card 信用卡principal 本金overdraft, overdraw 透支to counter sign 双签to endorse 背书endorser 背书人to cash 兑现to honor a cheque 兑付to dishonor a cheque 拒付to suspend payment 止付cheque,check 支票cheque book 支票本order cheque 记名支票bearer cheque 不记名支票crossed cheque 横线支票blank cheque 空白支票rubber cheque 空头支票cheque stub, counterfoil 票根cash cheque 现金支票traveler's cheque 旅行支票cheque for transfer 转帐支票outstanding cheque 未付支票canceled cheque 已付支票forged cheque 伪支票Bandar's note 庄票，银票banker 银行家president 行长savings bank 储蓄银行Chase Bank 大通银行National City Bank of New York 花旗银行Hongkong Shanghai Banking Corporation 汇丰银行Chartered Bank of India, Australia and China 麦加利银行Banque de I'IndoChine 东方汇理银行central bank, national bank, banker's bank 中央银行bank of issue, bank of circulation 发行币银行commercial bank 商业银行，储蓄信贷银行member bank, credit bank 储蓄信贷银行discount bank 贴现银行exchange bank 汇兑银行requesting bank 委托开证银行issuing bank, opening bank 开证银行advising bank, notifying bank 通知银行negotiation bank 议付银行confirming bank 保兑银行paying bank 付款银行associate banker of collection 代收银行consigned banker of collection 委托银行clearing bank 清算银行local bank 本地银行domestic bank 国内银行overseas bank 国外银行unincorporated bank 钱庄branch bank 银行分行trustee savings bank 信托储蓄银行trust company 信托公司financial trust 金融信托公司unit trust 信托投资公司trust institution 银行的信托部credit department 银行的信用部commercial credit company(discount company) 商业信贷公司（贴现公司）neighborhood savings bank, bank of deposit 街道储蓄所credit union 合作银行credit bureau 商业兴信所self-service bank 无人银行land bank 土地银行construction bank 建设银行industrial and commercial bank 工商银行bank of communications 交通银行mutual savings bank 互助储蓄银行post office savings bank 邮局储蓄银行mortgage bank, building society 抵押银行industrial bank 实业银行home loan bank 家宅贷款银行reserve bank 准备银行chartered bank 特许银行corresponding bank 往来银行merchant bank, accepting bank 承兑银行investment bank 投资银行import and export bank (EXIMBANK) 进出口银行joint venture bank 合资银行money shop, native bank 钱庄credit cooperatives 信用社clearing house 票据交换所public accounting 公共会计business accounting 商业会计cost accounting 成本会计depreciation accounting 折旧会计computerized accounting 电脑化会计general ledger 总帐subsidiary ledger 分户帐cash book 现金出纳帐cash account 现金帐journal, day-book 日记帐，流水帐bad debts 坏帐investment 投资surplus 结余idle capital 游资economic cycle 经济周期economic boom 经济繁荣economic recession 经济衰退economic depression 经济萧条economic crisis 经济危机economic recovery 经济复苏inflation 通货膨胀deflation 通货收缩devaluation 货币贬值revaluation 货币增值international balance of payment 国际收支favourable balance 顺差adverse balance 逆差hard currency 硬通货soft currency 软通货international monetary system 国际货币制度the purchasing power of money 货币购买力money in circulation 货币流通量note issue 纸币发行量national budget 国家预算national gross product 国民生产总值public bond 公债stock, share 股票debenture 债券treasury bill 国库券debt chain 债务链direct exchange 直接（对角）套汇indirect exchange 间接（三角）套汇cross rate, arbitrage rate 套汇汇率foreign currency (exchange) reserve 外汇储备foreign exchange fluctuation 外汇波动foreign exchange crisis 外汇危机discount 贴现discount rate, bank rate 贴现率gold reserve 黄金储备money (financial) market 金融市场stock exchange 股票交易所broker 经纪人commission 佣金bookkeeping 簿记bookkeeper 簿记员an application form 申请单bank statement 对帐单letter of credit 信用证strong room, vault 保险库equitable tax system 等价税则specimen signature 签字式样banking hours, business hours 营业时间请求延期付款我公司小泽先生因急事出差大阪，5月1日以前不能返回，故该件请宽延至5月1日，我们将于5月2日汇款。

商务英语写作银行业务例文及外贸结算英语银行业务例文定期存款的条件为年利6%, 存期6个月以上，只要金额1,000元，我们均乐意接受。

We shall be pleased to receive a fixed deposit for any amount more than $1,000, for a period over six months at the rate of 6% p.a.谨同函寄上新开定期存款第500号存折一份，面额100,000元，请查收为荷。

该面额等于您寄来换新的旧存=折本金加上利息之和。

Enclosed please find a new deposit certificate No. 500 for $100,000, which represents the principal and interest of the old certificate you sent us for renewal.如存款为100元以上，我们将乐意接受。

We shall be glad to receive deposits of 100 yen and upward.结算到目前为止，我公司应收帐尚有二万美元。

兹奉上结算报告书一份，敬请查收为荷。

Enclosed we hand you a statement of account to date, showing a balance of $20,000 in our favour, which we trust will be found in order.上开帐目，现正核对，如无错误，将遵照贵公司的指示，将转入新开的帐户内。

This account is under examination, and if found correct, it shall be carried to a new account, in conformity with your instructions.您昨日函敬悉。

商务英语写作外贸结算常用英语结算常用英语外贸结算常用英语 -金融保险 BANKING AND INSURANCE BUSINESS (银行、商业、消费、国家、民间)信用(banking, commercial, consuming, state and non-governmental)credits全市初步形成了以同业资金拆借市场证券市场和外汇调剂市场为主内容的金融市场体系。

A banking market system majored by call markets, stock markets and foreign exchange regulating markets is primarily formed in the Municipality.实贷实存 actual loans and deposits融通资金 allocate funds规模效益 an economy of scale买方信贷/卖方信贷 buyer credits/supplier credits税种(营业税、所得税、增值税、消费税、流转税、关税) category of tax(business tax, value added tax 〖VAT〗,consumption tax, turnover tax, tariff)外贸结算常用英语 -商业票据 commercial bills 信贷规模管理(存款准备金率、中央银行贷款利率、公开市场业务) controlover scale of bank credit (reserve ratio on deposits, central bank’s lending rates, open market operations)外贸结算常用英语-采取灵活措施exercise flexible measures 融资(项目贷款、债券股票融资、集资、游资、经常性贷款、贷款利率、赠款、担保人) financing(project financing, financing in the form of bonds and stocks, fund raising, idle funds, commercial lending, lending rate, grants, guarantor) 财税改革 fiscal and tax reform经过15年的努力，中国已经初步完成了价格改革，截止到1992年底，靠市场调节价格的商品已占93%。

Bank Clerk: Good mooring, sir. What can I do for you?Customer: Good mooring. I want to withdraw Ten thousand yuan from this account, because I made some mistake. Can you help me?Bank Clerk: Of cause, sir. I need some message about you. Please fill in this form with black pen.Customer: Ok. Here you are.Bank Clerk: Sir, please let me creak your ID card and bank card.Customer: Oh, Here you are.Bank Clerk: Please Enter your bank card password on the keyboard.Customer: Ok.Bank Clerk: Business has been completed for you, sir. Please keep your receipt and cards well. Is there anything else I can do for you?Customer: Yes! I want to exchange this money for US dollars. What‘s the exchange rate of US dollars today?Bank Clerk: Please wait a moment. Let me see, the exchange rate was six RMB to one USD today.Customer: Ok, please exchange it for me. I need to do an overseas business, can I sent it to my overseas bank account?Bank Clerk: Of cause, sir. But it will need some additional costs.Customer: How much about it?Bank Clerk: Ten yuan each time.Customer: Oh, It’s is a little expensive.Bank Clerk: Do you need it?Customer: en…Yes. Please.Bank Clerk: Please tell me your account number.Customer: My account number is 666 9988 6677 1122 000. Here you are.Bank Clerk: Does all the money to this account?Customer: Yes.Bank Clerk: OK, the amount has remitted to your account. Is there anything else I can do for you?Customer: Nothing. Thank you very much.Bank clerk : It's my pleasure。