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792

3.2PROBLEMS ON STANDING ORDER

Standing order is an instruction of the payer to a bank to make regular payments to the payee on a particular day every month. Standing order is an instruction of the payer to a bank to make regular payments to the payee on a particular day every month. Standing orders are useful for regular outgoings such as rent, electricity, gas and telephone bills. They are also used for large monthly items over long periods such as mortgage payments or car purchase.

Messrs. Nolestru & Nolestru

67 Eastern Road, Birmingham

Our ref.

 

Your ref.

 

 

 

South Bank

7 November 20__

 

 

 

 

South Bank House

 

 

 

 

Borough Road

 

 

 

 

London SE1 0AA

 

 

 

 

Dear Sir,

 

 

 

 

Account No. 9661510

 

 

 

 

Our landlords, Thomson & Lartinet, inform us that by the present moment they have not received the money due for the two-months’ rent.

With reference to the above account we would kindly ask you to give your debit entries for £450.00 and £450.00 on 2 April and 2 May respectively – for the monthly rent payment by standing order established with your bank.

Your earliest reply will be appreciated.

Yours faithfully,

A.Putley

A.Putley

Finance Manager

793

3.3 REQUEST FOR AN OVERDRAFT

Accounts may be overdrawn, i.e. more money is taken than there is on credit. This can be done either with the bank’s manager agreement or using special current accounts where overdraft facilities are automatically included for an extra charge.

Messrs. Nolestru & Nolestru

67 Eastern Road, Birmingham

Our ref.

 

Your ref.

14 November 20__

South Bank

South Bank House

Borough Road

London SE1 0AA

Dear Sir,

With reference to our interview of yesterday, I would ask for your authorization to overdraw my account up to a limit of £5,000.00 at any time.

Please find enclosed as a security share certificates worth £4,000.00.

An audited copy of the company’s current balance sheet, which I imagine you wish to inspect, is attached hereto.

I look forward to hearing from you.

Yours faithfully,

A.Putley

A.Putley

Finance Manager

794

3.4 ADVICE OF GRANTING AN OVERDRAFT

SOUTH BANK

South Bank House Borough Road London SE1 0AA

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

795

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?

796

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

 

1.

Collect all your charges.

Инкассируйте, т.е. удержите, все Ваши

 

 

расходы.

2.

If unpaid do not protest.

В случае неоплаты не опротестовывать,

 

 

т.е. не предъявлять к протесту.

3.

Remit proceeds to us by cheque.

Переведите нам выручку чеком.

4.

3. Authorize us by cable to debit your

Просим уполномочить нас телеграммой

 

account with proceeds.

дебетовать Ваш счет на сумму выручки

 

 

(списать сумму выручки с Вашего

 

 

счета).

5.Please advise us of acceptance and Просим известить нас об акцепте и

 

 

maturity date retaining the accepted

сроке

платежа,

удерживая

 

 

bill/undertaking for presentation at

акцептованную

тратту/обязательство

 

 

maturity.

для предъявления по наступлении срока

 

 

 

платежа.

 

 

 

 

 

6.

Payment may be deferred pending the

Платеж может быть отложен до

 

 

 

arrival of the carrying vessel.

прибытия судна.

 

 

 

 

7.

Interest charged at …% will be

…% годовых будут начисляться на

 

 

 

calculated on the weekly balances.

сумму еженедельного сальдо.

 

 

8.We rely on your prompt clearing the Мы надеемся на Вашу оперативность в

 

 

outstanding balance on the due date.

своевременной оплате задолженности.

 

9.

On behalf of our clients we are handing

По поручению наших клиентов передаем

 

 

 

you the relevant documents for

Вам соответствующие документы на

 

 

collection and acceptance.

инкассо и тратты для акцепта.

 

10.

Your expenses are to be deducted from

Просим вычесть Ваши расходы из

 

 

 

the proceeds.

суммы выручки.

11.Please return the accepted drafts Просим вернуть акцептованные тратты together with a statement about the вместе с заявлением об аутентичности

authenticity of acceptance signatures подписей и полномочиях акцептантов. and powers of acceptors.

12.If unpaid please confirm that protest В случае неоплаты просим подтвердить

action has been taken in accordance

составление

акта

протеста

в

with our original instructions.

соответствии

с

нашими

 

первоначальными инструкциями.

 

 

797

 

 

13. We hereby irrevocably undertake to

Настоящим безоговорочно обязуемся

pay you on first demand irrespective of

выплатить Вам по первому требованию

the validity and the effects of the above

независимо от срока действия и условий

mentioned contract…

вышеуказанного контракта…

14.We waive all rights of objections and Мы отказываемся от всех прав на

defense arising therefrom.

претензии и защиту.

15.The first-rate bank confirms that the Первоклассный банк подтверждает, что signatures thereon are legally binding подписи (на документе) имеют законную

 

 

upon you.

силу.

 

 

 

16.

Your claim is acceptable if transmitted

Требование о платеже должно быть

 

 

 

to us in full by duly encoded telex/cable.

отправлено нам в виде кодированного

 

 

 

телекса/зашифрованной телеграммы.

 

17.

We are in possession of your written

Мы получили Вашу

письменную

 

 

 

request for payment.

просьбу о платеже.

 

 

 

18.

The indemnity is governed by … law,

Гарантия подпадает под юрисдикцию …,

 

 

 

place of jurisdiction is…

место отправления правосудия…

 

19.

We would ask to confirm your consent

Просим подтвердить

согласие на

 

 

 

to cover the expenses for the storage of

покрытие расходов по хранению товара

 

 

the goods kept at the port of loading.

в порту погрузки.

 

 

20.We enclose specimen signatures of the Прилагаем образцы подписи партнеров, partners, either of whom may sign каждый из которых может подписывать

documents on behalf of the company.

документы от лица компании.

21.By the present moment we have not До настоящего времени мы не получили received the money due for the …- арендную плату за … месяца(ев). months’ rent.

22. I would ask for your authorization to

Прошу

предоставить

мне

право

overdraw my account up to a limit of $ пользоваться овердрафтом в размере …

… at any time.

 

 

долларов США на любую дату.

 

23. We wish to inspect an audited copy of

Мы хотим

изучить

копию

текущего

the company’s current balance sheet.

 

балансового

отчета

Вашей компании,

 

 

 

заверенную аудиторами.

 

 

24. We rely on your prompt clearing the

Мы

надееся

на

 

своевременное

outstanding balance on the due date.

 

 

погашение задолженности.

 

VOCABULARY

 

 

 

 

 

 

 

 

 

LEAD-IN

 

 

 

 

 

 

 

 

 

to collect payment

получать платеж по инкассо, взимать

remitting bank

 

плату

 

 

 

 

 

 

банк-ремитент,

банк,

переводящий

 

 

средства

 

 

 

 

 

 

 

зд. банк, направляющий инкассовое

to handle documents

 

поручение

 

 

 

 

 

 

обрабатывать документы

 

 

application form

бланк заявления

 

 

 

 

collection order

инкассовое поручение

 

 

 

 

drawer (documentary collection)

доверитель, приказодатель (по инкассовому

drawee (documentary collection)

 

поручению)

 

 

 

 

 

плательщик (по инкассо)

 

 

to pass smth over

передавать что-либо

 

 

 

 

terms of collection

условия инкассо

 

 

 

 

collecting bank

банк-инкассатор, получатель платежа

undertaking

обязательство

 

 

 

 

 

to transfer the collected amount

переводить инкассированную сумму (т.е.

 

 

переводить сумму после инкассации)

 

 

 

 

 

 

798

LETTER 1.2

 

 

 

 

 

to present documents for collection

предъявлять, представлять документы на

relevant documents

 

инкассо

 

 

 

соответствующие документы

 

authenticity of acceptance signatures

аутентичность,

достоверность

подписей

 

 

 

акцептантов (т.е. лиц, проставляющих

powers of acceptors

 

акцепт в документах)

 

полномочия акцептантов

 

LETTER 1.3

 

 

 

 

 

protest action

составление акта протеста

 

LETTER 1.5

 

 

 

 

 

payment guarantee

гарантия платежа

 

 

syn

guarantee of payment

 

 

 

 

 

syn

security of payment

 

 

 

 

 

indemnity

зд. гарантия

от

убытков (неполучения

on first demand

 

платежа)

 

 

 

по первому требованию

 

to undertake irrevocably

гарантировать

безоговорочно;

обязаться

irrespective of

 

безоговорочно

 

 

 

независимо от

 

 

 

effects of a contract

зд. условия контракта

 

to waive all right of objections and

отказываться от всех прав на претензии и

defense

 

защиту

 

 

 

identification

идентификация

 

 

through an intermediary

через посредника

 

 

the sum claimed under

сумма, требуемая по…

 

claim

зд. требование платежа, возмещения,

legally binding

 

компенсации

 

 

 

обязывающий,

связывающий

правовыми

banking day

 

нормами

 

 

 

рабочий день

 

 

 

duly encoded telex/cable

должным

 

 

образом

 

 

 

кодированный/шифрованный

 

to be in possession of smth

 

телекс/телеграмма

 

 

владеть; зд. получать что-либо

 

to be governed by law

руководствоваться

законом,

нормами

jurisdiction

 

права

 

 

 

юрисдикция, отправление правосудия

place of jurisdiction

место отправления правосудия

 

 

 

 

 

 

LETTER 2

 

 

 

 

 

bank (banker’s) guarantee

- банковская гарантия

 

performance guarantee

- контрактная гарантия

 

contractual guarantee

- договорная гарантия

 

799

LETTER 3.1

 

 

 

 

current account

зд. текущий счет в банке

 

in the trading name of

на имя фирмы…

 

specimen signatures

образцы подписей

 

to apply for references

обращаться за рекомендациями

 

to bank with a branch

− иметь счет

в отделении банка,

вносить

paying-in slip

 

средства в отделение банка

 

приходный

ордер (платежная

форма,

 

 

заполняемая при занесении на банковский

withdrawal slip

 

счет наличных денег или чеков)

 

расходный ордер

 

 

 

 

 

800

 

 

 

 

 

LETTER 3.2

 

 

 

 

 

 

to establish a standing order with a bank

− выдавать письменный приказ банку о

 

 

проведении регулярных платежей

standing order

«постоянное

поручение»

(письменный

 

 

приказ клиента банку о проведении серии

 

 

списаний с его счета для регулярных

 

 

платежей, т.е. приказ о регулярных платежах)

entry

проводка, бухгалтерская запись

 

 

 

 

 

 

LETTER 3.3

 

 

 

 

authorization

разрешение, полномочие

 

overdraft

овердрафт (сумма, получаемая по чеку сверх

 

 

остатка на текущем счете), превышение

 

 

кредита; задолженность банку

 

to overdraw up to a limit

осуществлять

овердрафт,

превышать

 

 

остаток счета в банке до определенного

 

 

предела

 

 

to grant an overdraft

− предоставлять право на овердрафт

current balance sheet

текущий балансовый отчет

 

FOCUS 4. Fill in the gaps with one of the following words or word combinations. Use the appropriate tense form.

PART I

to collect

 

authenticity

application form

to submit

 

proceeds

remitting bank

 

collection bank

to expire

protest action

indemnity

documentary collections

 

consent

 

first-rate bank guarantee

intermediary

 

responsibility

acceptance

 

guarantee

 

1.… are normally used only when the buyer and seller are already familiar with each other.

2.After … please return the accepted drafts to us together with your … and a statement about the authenticity of acceptance signatures and powers of acceptors.

3.After the collection please credit the … to our account quoting net amount.

4.As security for the payment of the goods, an … by a bank shall be furnished.

5.Banks concerned with collection do not accept … for payment or acceptance.

6.If unpaid please confirm that … has been taken in accordance with our original instructions.

7.In documentary collection, a bank … payment for the seller by delivering documents to the buyer.

8.Our indemnity is valid until the 25th June 20__ and … in full and automatically if your claim has not been made on or before that date.

9.Please find enclosed a statement certifying the … of acceptance signature and powers of acceptors.

10.The … informs the buyer of the arrival of the document and notifies him of the terms of their release.

11.The … sends the documents together with the necessary instructions to the collecting bank.

12.The bank acts as an … between the buyer and the seller.

13.The documents are attached to an … that the exporter presents to its bank.

14.We urge you to inform us immediately when the bank guarantee … and ask you to confirm your … to cover the expenses on the storage of the goods kept at the port of loading.

801

15.You accepted the proposed method of payment and undertook to submit a … for 80% of the contract value within three weeks.

PART II

overdraft

paying-in slip

security

weekly balances

current account

 

balance sheet

to overdraw

specimen signatures

standing order

outstanding

16.Please find enclosed as a … share certificates worth $10,000.00.

17.A cheque for 1,000.00 pounds and a … are attached hereto.

18.Interest charged at 11% will be calculated on the ….

19.With reference to the telephone conversation of today’s date I would ask you to open a … in the trading name of Nolestru Ltd., 67 Eastern Road, Birmingham.

20.We enclose … of the partners, either of whom may sign documents on behalf of the company.

22.I would ask for your authorization … my account up to a limit of $5,000.00 at any time.

21.With reference to the above account we would kindly ask you to give your debit entries for $450.00 and $450.00 on April 2nd and May 2nd respectively – for the monthly rent payment by … established with your bank.

23.An audited copy of the company’s current …, which I imagine you wish to inspect, is attached hereto.

24.We rely on your prompt clearing the … balance on the due date.

25.With reference to your letter of today’s date we inform you of granting you an … of $10,000.00 available till 20 July 20__.