- •Banking 2 documentary collection. Some aspects of commercial banking
- •1.1. The collection order of a bank
- •1.2 Documents are presented for collection
- •1.3 A collection order is not acknowledged
- •1.4 Returning the accepted drafts
- •1.5 Payment guarantee granted by the bank
- •2 Letter of guarantee
- •2.1 Correspondance on letter of guarantee
- •2.2 Payment guarantee granted by the bank
- •2.3 Performance guarantee granted by the bank
- •Part II
- •3 Some aspects of commercial banking
- •3.1 Opening a current account
- •3.2 Problems on standing order
- •3.3 Request for an overdraft
- •3.4 Advice of granting an overdraft
- •Vocabulary
- •Part II
- •Part II
3.4 Advice of granting an overdraft
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SOUTH BANK South Bank House Borough Road London SE1 0AA
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Our ref. Your ref.
14th November 20__ Nolestru Ltd. 67 Eastern Road, Birmingham
Dear Sir,
With reference to your letter of today’s date we inform you of granting you an overdraft of £5,000.00 available till 13th March 20__ subject to the usual proviso that there is no change in the position as at present existing.
Interest charged at 11% will be calculated on the weekly balances. Relying on your prompt clearing the outstanding balance on the due date, we remain
Faithfully yours, B.Daracott B.Daracott Manager
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FOCUS 2. Comprehension questions.
? What is documentary collection?
? What are the stages of documentary collection?
? What are the advantages of documentary collection?
LETTER 1.1
? Which bank is collecting payment?
? Which bank is remitting payment?
? Which party draws the collection order?
? Which party is to pay?
? Are there any specific instructions?
LETTER 1.2
? Which is the collecting bank?
? Which is the remitting bank?
? In what way will the expenses be paid?
LETTER 1.3
? What is the message of the letter?
? Should Vnesheconombank take protest action?
LETTER 1.4
? What does Vnesheconombank inform Banca Commerciale Italiana of?
? What is enclosed with the letter?
LETTER 1.5
? On what condition will the bank indemnify the Seller?
? What amount can be paid out under the guarantee?
? In what form is the request for payment to be presented?
LETTER 2
? Name the types of bank guarantees.
? What are payment guarantees for?
? What are performance guarantees for?
LETTER 2.1
? Which party to the contract has written the letter?
? What problems have the Sellers faced?
LETTER 2.2
? Which party to the contract has applied for the guarantee?
? What is guaranteed by the bank?
LETTER 2.3
? Which party to the contract has applied for the guarantee?
? What is guaranteed by the bank?
? When does the guarantee come into force?
? When does the guarantee become invalid?
LETTER 3.1
? What are you to submit to open a current account with a bank?
LETTER 3.2
? What is a standing order?
? What are the problems raised?
LETTER 3.3
? What is an overdraft?
? On what conditions can you get permission to overdraw your account?
FOCUS 3. Study the notes, writing patterns and vocabulary.
NOTES
1. Entry, debit entry, credit entry – entry в коммерческой корреспонденции обозначает бухгалтерскую запись, или проводку, причем debit entry – это запись в дебет счета, т.е. дебетовая проводка, а credit entry – запись в кредит счета, кредитовая проводка.
2. Proviso – может означать: 1) оговорку или условие соглашения; 2) исключение из правил. Определяющим является контекст.
3. Waive – зд. waive –добровольный отказ от права требования.
WRITING PATTERNS
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1. |
Collect all your charges. |
Инкассируйте, т.е. удержите, все Ваши расходы. |
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2. |
If unpaid do not protest. |
В случае неоплаты не опротестовывать, т.е. не предъявлять к протесту. |
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3. |
Remit proceeds to us by cheque. |
Переведите нам выручку чеком. |
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4. |
3. Authorize us by cable to debit your account with proceeds. |
Просим уполномочить нас телеграммой дебетовать Ваш счет на сумму выручки (списать сумму выручки с Вашего счета). |
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5. |
Please advise us of acceptance and maturity date retaining the accepted bill/undertaking for presentation at maturity. |
Просим известить нас об акцепте и сроке платежа, удерживая акцептованную тратту/обязательство для предъявления по наступлении срока платежа. |
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6. |
Payment may be deferred pending the arrival of the carrying vessel. |
Платеж может быть отложен до прибытия судна. |
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7. |
Interest charged at …% will be calculated on the weekly balances. |
…% годовых будут начисляться на сумму еженедельного сальдо. |
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8. |
We rely on your prompt clearing the outstanding balance on the due date. |
Мы надеемся на Вашу оперативность в своевременной оплате задолженности. |
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9. |
On behalf of our clients we are handing you the relevant documents for collection and acceptance. |
По поручению наших клиентов передаем Вам соответствующие документы на инкассо и тратты для акцепта. |
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10. |
Your expenses are to be deducted from the proceeds. |
Просим вычесть Ваши расходы из суммы выручки. |
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11. |
Please return the accepted drafts together with a statement about the authenticity of acceptance signatures and powers of acceptors. |
Просим вернуть акцептованные тратты вместе с заявлением об аутентичности подписей и полномочиях акцептантов. |
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12. |
If unpaid please confirm that protest action has been taken in accordance with our original instructions. |
В случае неоплаты просим подтвердить составление акта протеста в соответствии с нашими первоначальными инструкциями. |
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13. |
We hereby irrevocably undertake to pay you on first demand irrespective of the validity and the effects of the above mentioned contract… |
Настоящим безоговорочно обязуемся выплатить Вам по первому требованию независимо от срока действия и условий вышеуказанного контракта… |
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14. |
We waive all rights of objections and defense arising therefrom. |
Мы отказываемся от всех прав на претензии и защиту. |
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15. |
The first-rate bank confirms that the signatures thereon are legally binding upon you. |
Первоклассный банк подтверждает, что подписи (на документе) имеют законную силу. |
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16. |
Your claim is acceptable if transmitted to us in full by duly encoded telex/cable. |
Требование о платеже должно быть отправлено нам в виде кодированного телекса/зашифрованной телеграммы. |
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17. |
We are in possession of your written request for payment. |
Мы получили Вашу письменную просьбу о платеже. |
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18. |
The indemnity is governed by … law, place of jurisdiction is… |
Гарантия подпадает под юрисдикцию …, место отправления правосудия… |
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19. |
We would ask to confirm your consent to cover the expenses for the storage of the goods kept at the port of loading. |
Просим подтвердить согласие на покрытие расходов по хранению товара в порту погрузки. |
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20. |
We enclose specimen signatures of the partners, either of whom may sign documents on behalf of the company. |
Прилагаем образцы подписи партнеров, каждый из которых может подписывать документы от лица компании. |
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21. |
By the present moment we have not received the money due for the …-months’ rent. |
До настоящего времени мы не получили арендную плату за … месяца(ев). |
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22. |
I would ask for your authorization to overdraw my account up to a limit of $… at any time. |
Прошу предоставить мне право пользоваться овердрафтом в размере … долларов США на любую дату. |
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23. |
We wish to inspect an audited copy of the company’s current balance sheet. |
Мы хотим изучить копию текущего балансового отчета Вашей компании, заверенную аудиторами. |
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24. |
We rely on your prompt clearing the outstanding balance on the due date. |
Мы надееся на своевременное погашение задолженности. |