7 信贷与融资
你将听到的
银行承兑
A bank's acceptance will add to the costs of our imports.
银团
As the sum is large, it must be provided by a group of banks.
出租人义务
The leasing company must provide technical and repair services.
智穷计尽
If the bank won't lend us any money, I will be at my wits' end.
融资问题
I'd be willing to come and talk about the financing of our imports.
利率
The interest will be calculated at the floating rate published every day by the People's Bank of China.
分期偿付
You can have the loan interest free for the first year, and you should make the first repayment in the third year, with the remaining part to be paid in equal installments.
你也许会说
偿还时间
There are flexible repayment options for this kind of loan.
借金额
Would you please tell me how much money you want to borrow this time?
利率
This type of loan can be applied online and its interest rate is low.
贷款
In this condition I suggest you make a mortgage loan.
职场心经
融资是指为支付超过现金的购货款而采取的货币交易手段，或为取得资产而集资所采取的货币手段。融资通常是指货币资金的持有者和需求者之间，直接或间接地进行资金融通的活动。
广义的融资是指资金在持有者之间流动以余补缺的一种经济行为，这是资金双向互动的过程，包括资金的融入和融出。狭义的融资只指资金的融入。
必备的词汇热身
● takings [ˈteikiŋz] n.收入，进款
● business [ˈbiznis] n.商业，商务
● long-term [ˈlɔŋtə:m] adj.长期的
● financially [faiˈnænʃəli] adv.财务上
● sound [saund] adj.健全的，稳固的
● on account 赊账，挂账
当谈到信贷与融资的时候你会听到
A bank's acceptance will add to the costs of our imports.
银行承兑会增加我公司进口商品的成本。
As the sum is large, it must be provided by a group of banks.
由于金额巨大，得由一个银团来提供。
The leasing company must provide technical and repair services.
出租人有义务提供技术和维修服务。
If the bank won't lend us any money, I will be at my wits' end.
如果银行不肯贷款给我们，我就智穷计尽了。
at my wits' end表示“智穷才尽；手足无措” 。
I'd be willing to come and talk about the financing of our imports.
我很愿意来谈谈我公司进口商品的融资问题。
The interest will be calculated at the floating rate published every day by the People's Bank of China.
利率将按中国人民银行每天公布的浮动利率计算。
You can have the loan interest free for the first year, and you should make the first repayment in the third year, with the remaining part to be paid in equal installments.
头一年你们可以得到免息，但你们必须在第三年开始还贷，剩余部分按同样数目分期偿付。
当谈到信贷与融资的时候你会说
1．There are flexible repayment options for this kind of loan.
这种贷款可以灵活选择偿还时间。
2．Would you please tell me how much money you want to borrow this time?
你能告诉我您此次打算借多少钱吗？
3．This type of loan can be applied online and its interest rate is low.
这种贷款可以网上申请，而且利率较低。
4．In this condition I suggest you make a mortgage loan.
这样的话，我建议你们办理抵押贷款。
in this condition表示的是“在这种情况下”的意思，英语中相似的表达有at that rate（照那种情形）。
5．The seller should manage the credit period as a key cost of the transaction.
卖方应把信用期限作为交易的核心成本来管理。
6．Banks wish to limit loans to particular geographical areas and specific industries.
银行希望将贷款限制在特定的地理区域或具体的行业。
7．Working capital loans can meet a lot of short term purposes within one year.
流动资金贷款可以满足许多一年内的短期借款用途。
8．Low costs make the loan the most popular solution for financing your business.
低成本使得这种贷款成为您企业融资最普遍的方式。
9．The other way is for you to place a deposit of 20％ and the rest can be paid in installment.
另一个方法是，贵公司付20％的定金，其余的分期付款。
拓展学习
申请信贷
A：What is your specific purpose of this financing?
您的具体贷款用途是什么？
B：We'd like to lease the equipment.
我公司想租赁这一设备。
We'd like you to give us a draft at 120 days sight.
我们请贵公司向我公司开出一张见票120天后付款的汇票。
We demand the draft be accepted by a bank of our choice.
我公司要求该汇票由一家我公司认可的银行承兑。
At the end of the lease, the title to the equipment will be transferred to the lessee by symbolic payment of 100 US dollars.
租赁期末，该设备的所有权以100美元的象征性付款转让给承租人。
at the end of表示“在……结束时，在……尽头”，而省去of的话at the end则表示“最终，最后”。
信贷条件
A：What credit terms are available for companies that want to invest in Washington District?
如果一个公司想在华盛顿街区投资需要哪些信贷条件呢？
B：I have to check your recent balance sheet and income statement again.
我得再核实一下贵公司近期的资产负债表和损益表。
You must submit your year end financial statements for the last three years in three copies.
您必须提交前三年的年终财务报告，一式三份。
The normal position of the State Bank is that I will only lend a maximum of half the money for any one project.
州立银行一般的规定是最多提供一个项目五成的贷款。
As a regular customer with nice credit position in our bank and for a joint venture that is a corporate body in China, you do meet the Chinese commercial loans terms.
对于本行的一个信用良好的老客户，而且合资企业也是中国的合法实体，你们的确符合中国商业贷款的条件。
Actually, you should also submit more information such as your guarantor's credit standings and financial statements if you are required to provide a guarantor against your loan.
事实上，如果要求您提供贷款担保的话，您还应该提交更多一些的信息，如您的担保人信用状况和财务报告。
We will see whether you need a third party's guarantee or not when we complete the procedure of loan assessment.
我们要在结束信贷评估程序时才能知道您是否需要第三方担保。
financial statements表示的是“财务报告”的意思。
利率与贷款期限
A：We adopt a floating rate loan for your company.
对贵公司来说，我们将采用浮动利率贷款。
B：I think it's acceptable.我想这可以接受。
6．8％ to our regular client . But it varies from time to time.
对老客户是6.8％。但利率经常变化。
We are prepared to offer BNG a ten-year loan at 8％ interest.
我们准备给BNG公司十年期的贷款，利率为8％。
The longer a credit period is chosen, the higher interest you need to pay.
选择贷款期限越长，您需要支付的利息越高。
regular client表示的是“老客户”的意思。regular表示“定期的；有规律的”。试想一个客户定期光临，那他自然就是“老客户”了。
场景应用
马克想通过买方信贷的方式来解决融资问题，保罗先生表示愿意为其提供一切便利及帮助。
A：I would like to come and talk about the financing of our imports. How can we solve the problem of financing?
B：Have you considered the possibility of the buyer's credit?
A：Yes, that's just the job thing. As the sum is large, it must be provided by a group of banks.
B：Our bank can act as the lead bank.
A：What about the interest rate?
B：How do you think of 8％ per annum? However, it'll be adjusted according to prevailing conditions in the capital market.
A：That's all right. By the way, will the credit be approved by your central bank or not?
B：Yes, it will. We have already approached our central bank about the credit.
A：Oh, I see. Thanks.
A：我想来谈谈我公司的进口融资问题。我们怎样来解决融资问题？
B：贵公司考虑过买方信贷可能性吗？
A：是的，那正是我们想要的。但由于金额太大，得有几家银行来提供。
B：我们银行可以担任牵头银行。
A：那么利率是怎么定的？
B：你认为每年8％怎么样？不过利率将按照资本市场的即时行情进行调整。
A：可以。请问该信贷须经过贵国央行批准吗？
B：需要。我银行已经就该信贷同央行联系过了。
A：哦，明白了。谢谢。
* * *
just the job thing（正是想要的东西）
Just the job thing指正是想要的东西。该习语的意思是“正是所需要的东西”。例如：Thanks for recommending that skirt, it was just the job.（谢谢您给我推荐的衬衫，那正是我想要的。）just the thing还可以说成just the very thing，表示“正是所需要的东西”。例如：Your proposal was just the thing.（您的提议正合所需。）
* * *
格林先生准备了工厂情况的资料和详细的报告希望能够从银行申请到一笔贷款来进行技术革新，银行的工作人员表示会好好考虑他的申请。
A：This is Credit and Loan Department. May I help you, sir?
B：Yes, please. We need a sum of money for technical innovation. My purpose of coming here is to apply for a loan.
A：I see. But banks should make sure that enterprises have ability to repay loans.
B：Yes, you are right. Here are some documents and detailed reports about our factory. We are on the level.
A：We will pay immediate attention to these documents. And then tell you our decision, OK?
B：Please tell me when you can inform us.
A：About a week.
B：All right. Thank you very much.
A：这儿是信贷部，可以为你做什么吗，先生？
B：是的。我们需要一笔资金进行技术革新，我来此的目的就是想申请一笔贷款。
A：明白了。但银行必须弄清楚贷款企业是否有能力偿还贷款。
B：是的，你说得对。这是关于我厂情况的资料及详细的报告，这笔交易绝对诚实可信。
A：我们会及时关注这些文件资料，然后告诉你我们的决定，好吗？
B：请问什么时候你们会通知我们？
A：大约一个星期。
B：好吧，谢谢你。
* * *
on the level事实无欺
单词level在这儿作名词，on the level的字面意思是“在水平面上”。它是一种非正规的口语表达方式，意思是“诚实地”。例如：Are you sue this deal is on the level?（你确信这笔交易诚实可信吗？）
* * *
