Образец

ISSUING BANK

6

2

ADVISING BANK

1 9 10

3 5 8

BUYER

4

SELLER

Урок

Диалог «Открытие аккредитива»

relationship

отношение, взаимоотношение, связь

concern

забота, беспокойство, огорчение

due

причитающийся

average

средний

delay

задержка, отсрочка

to notice

замечать

obviously

очевидно

fair

честно, прямо, откровенно

routine

установившаяся практика, заведенный порядок

to lay down

устанавливать

to honour a Letter of Credit

оплачивать аккредитив

permission

разрешение

available

доступный, имеющийся в распоряжении

prior to

до, перед

approved company

уполномоченная компания

couple

пара

consequently

следовательно, поэтому

interim

промежуток

to stockpile

накапливать

to cause

причинять

backlog

портфель заказов; задолженность (по выпуску продукции)

shortfall

нехватка, дефицит, невыполнение плана

outstanding

неоплаченный

claim

требование, претензия, рекламация

offhand

экспромтом

to respond

отвечать, реагировать

to suspect

подозревать, думать, полагать, предполагать

separate

отдельный

to expedite

ускорять (работу)

to be owing

причитаться

Presenter:

Kai Larsen meets Ken Chiswanda.

Ken:

Our banks have had a correspondent relationship for eight years now, I think it is, and as this is the first time that you and I have met, I was interested to know how you see the relationship, and whether you have any questions about the mechanics of what goes on.

Kai:

Yes, we have one main point of concern, certainly, and that is payments due under documentary credits.

Ken:

Documentary credits?

Kai:

Yes. Up until about a year ago there was an average delay in payment of confirmed documentary credits of between fifty to sixty days. Over the last year we’ve noticed that this delay has risen to between one hundred and ten and one hundred and twenty days, even though the credits are payable, in fact, at sight.

Ken:

Yes, there are obviously delays. We compensate you of course by paying market-rate interest on the full amount due for a period of twenty-five days. We meet with certain difficulties, I think it’s fair to say, with some of the routines laid down by our Central Bank. For example, we can issue documentary credits, but then to be able to honour them, we need the permission of the Central Bank.

Kai:

Yes, I see.

Ken:

Firstly, a buyer in South Asia needs an import licence from the Ministry of Commerce before he can import anything. After he’s got that, he then has to complete a special form before the necessary foreign exchange can be issued. Foreign exchange is then only available if the goods have been examined prior to shipment by an approved inspection company.

Now the Government changed inspection companies a year ago. They ended the monopoly of Palmyra and Queen and gave the job to six companies all over the world. The new procedures weren’t clear to sellers for a couple of months or so, and consequently during the interim, traders stockpiled shipments. Then goods all arrived in South Asia at the same time, causing a backlog, and that’s the main reason for the delay in payments.

Kai:

OK, I see. But unfortunately we’re still left with a shortfall in interest on the nine hundred and fifty thousand Swiss francs that are outstanding on the five credits that are unpaid. I believe we sent you an interest claim six weeks ago.

Ken:

Ah, by letter or by telex?

Kai:

I can’t say offhand.

Ken:

No, but as we haven’t responded, I suspect it must have been by telex. What I’d like to ask you to do, if I may, is to send me a separate letter for each claim, giving me the full details. I’ll then check things up and try to expedite matters for you.

Kai:

OK. Thank you.

Presenter:

So now perhaps Kai’s bank will be able to obtain the money that is owing to it.