國際金融函電

寧波大學(xué)科學(xué)技術(shù)學(xué)院考核答題紙寧波大學(xué)科學(xué)技術(shù)學(xué)院考核答題紙（2014--2015學(xué)年第2學(xué)期）課號(hào)BB3J04A01 課程名稱國際金融函電閱卷教師 班級(jí)學(xué)號(hào)姓名成績 Thefunctionsofbankletters

BankLettersWriting-------correspondentrelationshipAsweallknow,banklettersisinternationalfinancialcommunicationbetweenthebanksandgenerallyreferstotheletterswhichareusedtotransmittheinformation,todealwithbusinessmattersandtocontactorcommunicatefortherelationship.Inthemodernsociety,banklettersisindispensablebetweenthebanksandhasmanyfunctions.Letters,E-mailbecameanecessarytoolofcommunication,itindicatestheimportanceofinternationalfinancialcorrespondenceincommercialbanking.InternationalfinancialcorrespondenceisinternationalfinancialexchangeandinterbankoneconomicandfinancialoperationsinEnglishthinkingandcommunicationofthetelecommunicationsdocuments.Commonlyusedinbusinesslettersaremainlytheconsultationletter,inquiryletter,replyletter,requestletter,notificationandcontactletter,etc.Internationalfinancialcorrespondenceisourbusinesstieswiththerestoftheworldoutsideofthenecessarymeans,notonlycanexpandtradebusinessinourcountry,andcanbetterimprovetheefficiencyofbusinesstransactions,promotethecommunicationbetweenthecommercialBanks.Atthesametime,greatlysavingthecostandpromotetheperfectionofourcountry'sbankingsystem,improvetheoveralllevelofChina'scommercialbanking.Itchangestheenterprise'sownproduction,operation,management,andthetraditionalwayoftradeimpact.Themostobvioussignistheincreasedtradeopportunities.Forbanks,banklettersisamediumforbankstocommunicatewitheachothersoastoexchangeorobtaintheinformationwhichtheyareneeded,inaway,it’sthefoundationforbankstoexpendtheirowebankingbusiness.Ontheotherhand,theymayfinallysetupafriendlypartnership.Forcompanies,itnotonlychangesenterprise’sproduction,operationandmanagement,butalsobringsabigimpacttothetraditionalmodeoftrade.Banklettersincreasetheopportunitiesofinternationaltrade,reducethecostandimprovethetradeefficiency,becauseofitsowecharacteristicssuchasglobalization,opening,lowcostandefficiency.Andinamacrosense,Ithinktheinternationalfinancialcorrespondencewhichcalledbanklettershadgreatlymotivatedthedevelopmentofinternationaltradeandinternationalfinancialmarkets.Inthisway,wecanseethatbanklettersplaysasignificantroleintheinternationalbankingbusiness.HowtowriteabankletterGenerallyspeaking,internationalfinancialcorrespondencetosetupagencyrelationshipconsistsoftwokindsofletters:requestfortheestablishmentofagencyrelationshipandreplytotheproposalofagencyrelationship.Herewechoosetheletterofrequestfortheestablishmentofagencyrelationshipasasampletoanalyze.Firstly,wewillanalyzefromthestructure.Acompletebankletterusuallyconsistsofthefollowing14parts:letterhead,date,reference,insideaddress,attentionnote,salutation,subject,bodyofletter,complimentaryclose,signature,referenceinitials,enclosurenotation,carboncopynotationandpostscript.Andamongtheseparts,theletterhead,date,inside課號(hào)BB3J04A01 課程名稱國際金融函電閱卷教師 班級(jí)學(xué)號(hào)姓名成績 address,salutation,subject,thebodyofletter,complimentaryclose,signaturearetheeightindispensableparts.Soweshouldknowhowtowritethesepartsoftheletterforagencyrelationship.Secondly,wewilldiscussfromthearrangementofthecontents.ThestructureIstatedhereinafterisanoverviewofabankletterandthethreesectionssuchastheopeningparagraphorsentenceinthebodyoftheletterisanabstractconception.Butinthissection,Iwillsetforththeletterfromitscontent.Generallyspeaking,wecandividetheletteroftherequestfortheestablishmentofagencyrelationshipintothreepartsspecifically.Afteratthesampleletter,Iknowthatweshouldstatethepurposeandthewish,statethenecessityofestablishingtheagencyrelationshipandputforwardthespecificplan.Whenwewanttotellsomethingtothereceivingbank,wecommonlyusesuchsentencesas“wearepleasedtoinformyouthat…./wewishtoadviseyouthat…./wewouldliketoinformyou….”Forexample,theapplicationin thesampleletteris that“wearepleasedtonotethatthevolumeofbusinessbetween….”,whichisgoodreflection.Onthecontrary,ifwewanttogainsomeinformationfromanotherbank,wewillsay “pleaseinformusthat/pleaseletusknowthat/weshallbepleasedtohaveyourinformationon ”.Furthermore,inthecaseofacknowledgingthereceiptoftheletter,weusuallyuse“thankyouforyourletter…./weacknowledgewiththanksthereceiptofyourletter…./weareinreceiptofyourletter….”.Andthefinalsentenceisgenerallytostatethewriter’sexpectations,therearesomeexamples,suchas“wearelookingforwardtoreceivingyourearlyreply/wewishyouagreaterbusinessvolume/wearewaitingyourfavorablereply”andsoon.Inmyopinion,theexpressionoflanguageisveryimportanttoaletter.Itisnotonlyjustaletterbutalsorepresentsforthebank.Oncetheexpressionisnotcorrect,itwilleffectstherelationshipandcooperationbetweentwobanks,sowhenwewritealetter,weshouldexpresscorrectly.Therearesomemainpointsthatweshouldpayattentionto,firstispoliteness,likemanysentencesstatedabovecontainsome wordssuchas“please,thankyou”.Second,thewritershouldusesomemildwordstopresenttheiradvice,suchasthesentenceinthesampleletter“shouldtheproposalmeetwith yourapproval,pleasesendus….”,wecansaymustapproveourproposeandsendus….”,sowecanknowthattheexpressionwithaorderisnotallowedinaletter,thebankmustrespectthereceivingbank,whichisdistinctfromtheEnglishbusinesslettersthatare“wesincerelyrecommendyoutoacceptourproposalasourstocksaregettinglowerandlower…”.Ifwehavecomparedwiththem,wecanfindthattherearemanydifferencesbetweenbanklettersandEnglishbusinessletters.Third,thewordsofexpressionshouldshowourgoodwillofestablishingagencyrelationshipasmuchaspossible.課號(hào)BB3J04A01 課程名稱國際金融函電閱卷教師 班級(jí)學(xué)號(hào)姓名成績 Likethewordsinthesampleletter“wearepleasedto…./wewouldliketo…./pleasesend…./pleasetake….intoconsideration”.Theseallreflectourgoodattitudeandsincereexpectations.Finally,becausethebanklettersiscirculatedbetweenbanksaroundtheworld,the expression of language must be commonly used in the international financialcommunicationsandmustbeformal.(一)ProposingtheestablishmentofcorrespondentrelationshipstandardcharteredbankstandardcharteredbankHongKongmainoffice15roadcentral,HongYourref.:357JB/jgOurref.:206JS/zyJanuaryMr.JamesBeesonInternationalBusinessDepartmentBankofChina,NingboBranch550.YuxiuRoadNingbo315212,P.R..ChinaChinaFortheattentionofInternationalBusinessDepartmentDearMr.JamesBeeson,Subject:correspondentrelationshipWeareabankestablishedinHongKongandcommencedoperationonOct.4,1980,withacapital of USD 3000000.00.And we are hoping to propose the establishment correspondentrelationshipbetweenthetwobanks.課號(hào)BB3J04A01 課程名稱國際金融函電閱卷教師 班級(jí)學(xué)號(hào)姓名成績 Asisknowntoall,duringtheseyears,thevolumeoftradebetweenourtwoareahasbeenrapidly increasing,and so have the banking transactions between our banks.However,ourrecordsshowthatmostofourbusinessinyourareahasbeendonethroughathirdbank,Actually,ourbankingtransactionsthroughthethirdbankcann tmeetthepresentdemand.Therefore,inordertopromotethebankingtransactionsandtheefficiency of the two parties,we would like to establish the direct relationshipwithyou,andwebelievethatyouwillfinditmutuallybeneficial.Ifoursuggestionshouldbeagreeabletoyou,weshalldispatchourBalanceSheetandAnnualReportforthefiscalyearof2014,andlaterourSpecimenSignaturesandTestKey.Welookforwardtoyourfavorablereply.Sincerelyyours,JohnSmith(手簽體)JohnSmith(打印體)ForeignoperationsdepartmentEncl.:(asstated)cc.:bankofchina,Beijingheadoffice(二)FavorablereplyBankofChina,NingboBankofChina,NingboInternationalBusinessoffice550.YuxiuRoad,ChinaYourref.:206JS/zyOurref.:357JB/jgJanuary20,2015課號(hào)BB3J04A01 課程名稱國際金融函電閱卷教師 班級(jí)學(xué)號(hào)姓名成績 Mr.JohnSmithForeignoperationsdepartmentstandardcharteredbank15queen’sroadcentral,HongKongHongKongFortheattentionofInternationalBusinessDepartmentDearMr.JohnSmith,Subject:correspondentrelationshipWearereceiptofyourletterdatedJanuary1st,2015,proposingtheestablishmentofcorrespondentrelationship,thecontentsofwhichhavereceivedourfullestattention.Inordertocopewiththeincreasingtradevolumebetweenus,itisnecessaryforustoconcludesuchkindofagreementwithyourbank.Actually,wehavefounditquiteinconvenienttodothetransactionsthroughathirdbank.WehaveenclosedourBalanceSheet,AnnualReportforthefiscalyearof2014andSpecimenSignaturesandTelegraphicTestKeyshallbedispatchedtoyouunderseparatecoverwithinthisweek.Weassureyouofourbestservicetoallyourbankingneeds.SincerelyJamesBeeson(手簽體JamesBeeson(打印體InternationalBusinessDepartmentEncl.:(asstated)課號(hào)BB3J04A01 課程名稱國際金融函電閱卷教師 班級(jí)學(xué)號(hào)姓名成績 PersonalFeelingsBeforestartingthecoursesinthissemester,Ihavenevercomeintocontactingwiththefinancialcorrespondence.IjustthoughtthattheteacherwillteachushowtowritelettersbetweenthebanksinEnglishfromthisnameofcourseandIbelievedthereisn’tbigtroubleinlearningbankletters’writing.ButbecauseofmypoorEnglishlevel,IwasworriedifIcanunderstandwhattheteachersayandexpressedmyviewsuitably.Withanuneasyheart,IbeganthefirstlessonbyMrsXie.Actually,wehavebeenonherotherclassonTuesday.Whensheappeared,thefirstthingshedidwastoexplainthecompositionpointsatordinarytimesforus,andmyheartwasfullofthefeelingofspeechlessaslookingatthestrictproportion.However,fromthebottomofmyheart,Ilikethisteacher,whoisprincipled,notonlytostudents,butalsotoherself.Ithinkthestudentswhohavetheabilityandthecourageareworthahigherscoreindeed,bytheway,Idislikethosestudentswhoclosetoteachersonpurposeinordertoberecognizedandgethigherscoreattheendofterm.Theworldalthoughsometimesunfair,butMrsXiestillmadeitasfaraspossiblethefairinherclass,andIthinkalotofteacherscan’tdoitinUniversity.So,Ienjoyherstyle.Thentalkabouttheprocessoftheclass.Tobehonest,inpreviouslessons,becausethereweretoomanythingsshouldbewroteandtheteachergoingtoofast,Ifeltitalittledifficulttoadapt.So,atthistime,IalwayshopedthatMrsXiecouldputmorethingsthatweneedtotakenotesbyourselfonherPPT.Aftercontactingwithrealbankletter,Ibegantoknowthedifficulttolearnit.Forexample,acompletebankletterusuallyconsistsofthe14partsandeachparthasitsownstructureandlayout,Ithinkit’snoteasytoremembereverypartclearly.Next,duetothebank'sbusinessisvaried,thebodyofletteralsocontainsavarietyofforms.Welearnedcorrespondentrelationship,creditinquiry,bankaccount&bankaccounting,creditandloan,lettersofcredit,billsforcollectionincludesthatrequestfortheestablishmentofcorrespondentrelationshipandreplytotheproposalofcorrespondentrelationship,creditinquiry,bankaccount&bankaccounting,creditandloan,lettersofcredit,billsforcollection.Throughthesampleletteroflearningandpracticefromtheteachers,nowIcantranslatesomesimplebanklettersbymyselfrapidlybutIcan’tguaranteeahighquality.Whatletmethedeepestmemorywasmyfirsttrytotranslatethewholebanksentencesinfifteenminutes.Atthattime,Ithoughtitmightbeanimpossiblemissionformebecausethetimeissolimited.whenIstartedtowrite,Ifoundthattheusualsmoothsentencesinmindjustlikeamessnow,allkindsofTenses,prepositionsandclauseswerefilledwithmymindsothatIcouldnotwriteacompletesentencelogically.Atthelastminutebeforeringing,Ibarelyfinishedonlyhalfofit,andinmyownopinion,itseemedsomangled.However,therewasagirlcompletedthequestofteacherontimeandIveryadmiredherspeed.Innextclass,withsamplesentencesslowlytopresent,Icompareditwithmyownarticleandfoundsomanydifferencesbetweenbothofthem,notonlyinwordstoocolloquial,butalsotheconnectionbetweenthesentencesisinamess.Throughthispractice,IrealizedIhasmanydeficienciesinthetranslationofbusinesscorrespondence.Asonclass,Iusuallylistencarefullyandsomethingwouldberemembered課號(hào)BB3J04A01 課程名稱國際金融函電閱卷教師 班級(jí)學(xué)號(hào)姓名成績 andunderstanded,butifnotreviewatthattime,itwillbeforgottenafterback.Andtothenext,whenyouwanttousethem,onlyavagueimpressioninmind,suchisthelowefficiencyoflearning.Inordertoavoidthissituation,therefore,afterclass,IwillreviewwhatIlearnedheadtofoottodeepenimpression.Itwasagoodwaytohelpmewriting.Tomydelight,throughpracticingcontinually,IcouldcompletethetranslationfromteachpunctualityanditprovedthatmyEnglishwritingabilityhasbeensignificantlyimproved.Finally,Iwanttosaysomedifficultiesintheprocessoflearningbankletters.OneisthelackofprofessionalknowledgeandprofessionalEnglishvocabulary.AlthoughIamafinancialprofessionalstudents,tobehonest,inadditiontoteachershandedoverthecontentsoftheInevergotolookforotherbookstolearnonthismajor.Inmyheart,Iclearlyknowitisnotenoughtolistenknowledgefromclassesonly,butIamtoolazytospenttimegoingtolibraryorlookingprofessionalbooksindormitory.Therefore,theconsequenceisthatwhenIheardsomeprofessionvocabularyinclass,Ialwayshavealittleimpressionbutnotclear,sometimesIfeltIhaveneve