银行办理信用证英语对话

银行办理信用证英语对话

　　导语：办理信用证是银行提供的一项服务，下面是一则有关办理信用证的英语对话，希望大家可以从中学到知识。

　　能帮你什么忙吗，先生?

　　C: Yes, I want to open an L/C, but I don t know how to work?

　　对，我想开个信用证，但我不明白如何运作?

　　T: OK, Let tell you. A letter of credit is a written payment instrument issued by a bank at the request of a customer . It will be sent to the exporter to make shipment and prepare the documents specified in the L/C. As soon as the L/C and documents are presented to the issuing bank, the bank must pay to the exporter . The bank acts as the first payer and this is the most important feature of L/C.

　　好，让我来告诉你。信用正是应客户(通常是进口商)的要求而开立的一种付款承诺文件，信用证将被寄给出口商，使出口商可以把货物装船， 并根据信用正的要求准备单据。一旦信用证和单据提交给开证行，开证行必须立即付款给出口商(受益人)。银行就作为第一支付人进行支付，这就是信用证最重要的特征。

　　C: I see, would you tell me what s the main content of an L/C?

　　我明白了，你能告诉我信用证的主要内容吗?

　　T: Name, quality, unit price and amount of goods, ports of loading and destination, price and payment terms, shipping documents, latest shipment date and validity of the L/C.

　　商品的品名，数量，单价和种类，装货港和目的地，价格和付款条件，装船单据，最后装运期和到目的地的有效期。

　　C: Then how can I send an L/C to my customer?

　　那么，我怎么才可以向我的客户开出信用证呢?

　　T: In practice, the issuing bank will send the L/C to one of its correspondents at the place of export by mail of cable. After verifying the authenticity of the L/C, the correspondent will send the L/C to the exporter.

　　习惯上，开证行总是向出口商所在地的代理行发出邮件或电报，在检验信用证的真实性后，代理行(通知行)将向出口方发出信用证。

　　C: How can my customer receive the proceeds?

　　我的客户怎样才能收到钱?

　　T: The exporter will make shipment and present the L/C with all the documents to a negotiation bank if it is available by negotiation. If the documents are in compliance with the terms of the L/C through carefully checking, the bank will negotiate the documents and send them to the issuing bank for reimbursement. The issuing bank will debit importer s account when releasing the shipping documents to the importer. The whole transaction now comes to the end.

　　信用证是可以议付的，出口商向议付行提交信用证所要的所有单据， 只要所提交的单据和信用证要求的条件是一致的话，银行将议付。当开证行将装船单据交给进口商时，开证行就借记进口方的帐户，整个交易就完成了。

　　C: I see, Thank you very much

　　我明白了，谢谢你!

　　T: you re welcome!

　　别客气。

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