金融英語口語聽力教程第32課：流動(dòng)資金貸款
Loans for Working Capital
流動(dòng)資金貸款
Situation 32
情景 32
Tadao Yamamura runs a Japanese Food Import Firm in Los Angeles.
山村忠男在洛杉磯經(jīng)營一個(gè)日本食品進(jìn)口公司，
He is talking to his banker ,Bart Jones ,about a working capital loan.
他正在和他的銀行家巴特·瓊斯談?wù)撚嘘P(guān)流動(dòng)資金貸款事宜。
Yamamura:We would like to expand our line of imports,but I'm having some difficulties with working capital for the expansion .
山村：我想擴(kuò)大我們的進(jìn)口貿(mào)易，但是在擴(kuò)大經(jīng)營中，我們?cè)诹鲃?dòng)資金方面有些困難。
Jones:I think we should explore some of the commercial loan plans we have available that might give you the working capital you need.Mr.Yamamura.
瓊斯：山村先生，我認(rèn)為，我們應(yīng)該研究一下我們現(xiàn)有可利用的某些商業(yè)貸款章程，那樣，我們便可為您提供您需要的流動(dòng)資金。
Y:I've brought along the latest copies of my balance sheet and operating statements.
山村：我隨身帶來了我的最新的資產(chǎn)負(fù)債表和營業(yè)損益表的副本。
As you can see,we have a lot tied up in accounts receivable .
您可以從中看到，我們帳面上的應(yīng)收帳款有許多已成為呆滯資金，
That's one of our biggest problems.They're good accounts ,but it requires a lot of working capital to carry them .
這是我們的最大問題之一。我些帳款都是有效帳目，但是需要許多流動(dòng)資金去實(shí)施它們。
J:Yes,that's a frequent difficulty in large and small firms,Mr.Yamamura.
瓊斯：是的，山村先生，這就是大小企業(yè)經(jīng)常遇到的困難。
I might suggest an accounts receivable loan .We can lend you money against an assignment of your accounts receivable .
我建議你們可以采用應(yīng)收帳款貸款，我們銀行給您貸款，而把應(yīng)收帳款轉(zhuǎn)讓作抵押。
Y:I wouldn't want my customers to know that I had to assign their accounts to the bank .
山村：我不愿意讓我的顧客們知道我不得不把他們的賬戶轉(zhuǎn)讓給銀行作為抵押。
J:They wouldn't know,Mr.Yamamura ,I'm talking about non-notification accounts receivable assignments .
瓊斯：他們不會(huì)知道的，山村先生。我說的是不通知的應(yīng)收帳款轉(zhuǎn)讓。
It's frequently used type of loan for these purposes.Some people call it factoring .
人們經(jīng)常使用這種貸款來達(dá)到上述那些目的。有些人稱這種貸款為應(yīng)收帳款讓售。
Y:You mean I borrow against the accounts,then give the payments I receive to the bank?
山村：您是說，我用帳戶上的應(yīng)收帳款來抵付我的銀行貸款，然后把我今后所收回的那些帳款再還給銀行。
J:Yes,that's right .Just a promissory note and an AR assignment is all that we'll need.
瓊斯：是的，就是這樣。我們銀行所需要的只是一張期票和一張應(yīng)收帳款轉(zhuǎn)讓單據(jù)。
