商务英语关于payment的对话

Terms of Payment支付条款
Dialogue 1

W: Well, we’ve settled the question of price, quality and quantity. Now what about the terms of payment？
B: We only accept payment by irrevocable letter of credit payable against shipping documents.

W: I see. Could you make an exception and accept D/A or D/P?

B: I’m afraid not. We insist on a letter of credit.

W: To tell you the truth, a letter of credit would increase the cost of my import. When I open a letter of credit with a bank, I have to pay a deposit. That’ll tie up my money and increase my cost.

B: Consult your bank and see if they will reduce the required deposit to a minimum.

-- 好吧，既然价格、质量和数量问题都已谈妥，现在来谈谈付款方式 怎么样？

-- 我们只接受不可撤消的、凭装运单据付款的信用证。

-- 我明白。你们能不能破例接受承兑交单或付款交单？

-- 恐怕不行，我们是坚决要求采用信用证付款。

-- 老实说，信用证会增加我方进口货的成本。要在银行开立信用证，我得付一笔押金。这样会占压我的资金，因而会增加成本。

-- 你和开证行商量一下，看他们能否把押金减少到最低限度。

W: Still, there will be bank charges in connection with the credit. It would help me greatly if you would accept D/A or D/P. You can draw on me just as if there were a letter of credit. It makes no great difference to you, but it does to me.

B: Well, Mrs. Wang, you must be aware that an irrevocable letter of cred it gives the exporter the additional protection of the bank er’s guarantee. We always require L/C for our exports. And the other way round, we pay by L/C for our imports.

W: To meet you half way, what do you say if 50% by L/C and the balance by D/P?

B: I’m very sorry, Mrs. Wang. But I’m afraid I can’t promise you even that. As I’ve said, we require payment by L/C.

-- 即便那样，开立信用证还是要支付银行手续费。假如你能接受承兑 交单或付款交单，这就帮我大忙了。你就当作是信用证一样向我开 汇票。这对你来说区别不大，但是对我来说就大不一样了。

-- 王小姐，你应该也知道，不可撤消的信用证给出口商增加了银行的 担保。我们出口一向要求采用信用证；反过来讲，我们进口也是信 用证付款。

-- 我们都各让一步吧，货价的百分之五十用信用证，其余的采用付款 交单，你看怎么样？

-- 对不起，王小姐。即便那样，我恐怕也不能答应。我都说过了，我 们要求用信用证付款。

Dialogue 2

A: Well, Mr. Brown, we’ve settled everything in connection with this transaction except the question of payment in yen. Now can you explain to me how to make payment in yen?

B: Many of our business friends in England, France, Switzerland, Italy and Germany are paying for our exports in Japan currency. It is quite easy to do so.

A: I know some of them are doing that. But this is new to me. I’ve never made payment in yen before. It is convenient to make pay- ment in pound sterling, but I may have some difficulty in making payment in yen.

B: Many banks in Europe now carry accounts in yen. They are in a position to open letters of credit and effect payment in yen. Con- sult your banks and you’ll see that they are ready to offer you this service.

A: Do you mean to say that I can open a letter of credit in yen with a bank in London or Bonn?

B: Sure you can. Several of the banks in London, such as the National Westminster Bank and Barclays Bank are in a position to open letters of credit in yen. They’ll do so against our sales confirmation or contract.

A: I see.

-- 布朗先生，除了日元付款问题外，我们已经谈妥了有关这笔交易 的所有事项。现在，能不能请你解释一下如何用日元付款？

-- 我们在英国、法国、瑞士、意大利及德国的许多商界朋友都用日元 支付我们的出口货物。这很容易做到。

-- 我知道有些人是这么做。但对我来说，这是新做法。我从来没用过

日元付款。用英镑付款很方便,但用日元付款可能会有些麻烦。

-- 现在欧洲许多银行都可以开立日元账户。他们可以开立信用证并且 用日元支付。你去银行咨询就可知道，他们会替你办理这项业务的。

-- 你是说我可以在伦敦或者波恩的银行开立日元信用证吗？

-- 当然可以。在伦敦有好几家银行，如国家威斯敏斯特银行和巴克 莱银行等都可以凭我们的销售确认书或合同开立日元信用证。

-- 我知道了。

It so chanced that the name of the goods in your L/C was typed as “Shorts” instead of “Skirts” as stipulated in Contract No. ______. We do not find any other discrepancy between the terms of the Contract and those of your L/C.
然而，贵方信用证上商品名称为 “Shorts”，而按照第______号合同上所列为“Skirts”。除此之外，没有发现来证条款有何不符。

It is hardly believable that our draft should have met with refusal while all the documents attached were in perfect compliance with the terms of the L/C.
查我方汇票所附各种单据与信用证条款完全一致，现竟遭拒付，令人难于置信。

Item No.2 of the invoice called for 20 doz. Art. No. G107, which should read Art. No. G170, and the unit price HK$ 500.00 should read HK$ 300.00. Thus an amount of HK$ 4000.00 was overcharged.
发票第二项所列20打G107号商品，系G170号之误；又单价港币500元系300元之误，因而多开了港币4000员

[54:12.14]1 John Barnard enquires about telephone banking .
[54:12.61]1 约翰·巴纳德在询问关于电话银行业的信息。
[54:13.08]He has noted down some questions .
[54:13.55]他记录下了一些问题。
[54:14.02]Listen and take notes to answer his questions .
[54:14.49]听并做笔记，回答他的问题。
[54:14.96]C1 Hello . Can I help you ?
[54:15.95]C1 你好，我能为你做点什么吗？
[54:16.95]Cu Yes , I'd like some information on your telephone banking service .
[54:19.53]Cu 是的，我想了解一些你们电话银行服务的信息。
[54:22.12]C1 Certainly . Do you have an account with us ?
[54:23.84]C1 当然，你有我们的帐户吗？
[54:25.57]Cu Yes , I do . This is my home branch .
[54:26.72]Cu 是的，有。是我的国内支行的。
[54:27.87]C1 Well , with our telephone banking service you can do all your day-to-day banking over the telephone at any time of day or night .
[54:32.07]C1 哦，用我们的电话银行服务你可以在一天中的任何时间（无论是白天还是晚上）通过电话享受日常的银行服务。
[54:36.28]Cu How does it work ?
[54:36.93]Cu 它是怎么运作的？
[54:37.58]C1 All you do is ring up , key in you PIN number , choose the service you want and then just follow the instructions .
[54:40.67]C1 你所要做的只是打入电话，输进你的密码，选择你想要的服务种类，然后跟着说明就可以了。
[54:43.75]It's as easy as that .
[54:44.43]就这么简单。
[54:45.11]cu And what can I actually do over the phone ?
[54:46.75]cu 事实上，我能通过电话做什么银行业务？
[54:48.40]C1 You can check your balance , pay bills , order a statement or transfer money .
[54:51.27]C1 你可以查你的余额，付帐单，申请贷款或是转帐。
[54:54.15]All your normal day-to-day banking .
[54:55.11]所有的你通常享受的银行业务。
[54:56.08]Cu Does it cost anything ?
[54:56.73]Cu 需要什么花费吗？
[54:57.39]C1 NO . The number is a freephone number , so you don't pay for your calls and the service is part of your normal bank account .
[55:01.04]C1 不需要，电话是免费的，因此不用为你打来的电话付费，服务常规银行帐户的分支。
[55:04.70]Cu Oh right . And can I phone at any time of the day ?
[55:07.00]Cu 哦，对。我能在一天的任何时间打电话过去吗？
[55:09.30]C1 Yes , you can .There's an automated answering machine and staff are available 24 hours-a-day , seven days a week .
[55:12.98]C1是的，你可以。有自动答复的机器和一周7天24小时服务的人工台。
[55:16.66]Cu Could I fill in a form now ?
[55:17.89]Cu 我现在能填表格吗？
[55:19.12]CL Certainly . One moment , I'll just get an application form ...
[55:21.05]CL 当然，请稍等，我去拿一张申请表格...

Bonus complaints
A: Ms. Montgomery? Do you have a moment?
B: Sure, Brian. What’s on your mind?
A: I’m a bit upset about this year’s bonus. I was really expecting a little more. Are there any problems with my work?
B: No, not at all, Brian. This year, we’ve all had to cut back. I’m hoping next year’s going to better. I hope you can understand.

抱怨奖金
A：蒙格玛利女士，您这会有空吗？
B：有空，布莱恩。有事吗？
A：今年的奖金有点令人沮丧。我以为会多些呢。是我的工作有什么问题吗？
B：没有，一点都没有，布莱恩。今年我们大家都得紧一些。预计明年会好点，希望你能理解。

A:What payment term you accept for the order?
B:We hope you can effect the payment by TT or LC at sight.
A:Is CAD available for you?
B:I am sorry that we can't accept this method.
A:All right,please give your bank account and i will start the payment right now.