金融英語口語聽力教程第32課：流動資金貸款

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Loans for Working Capital

流動資金貸款

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)營一個日本食品進口公司，

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：我想擴大我們的進口貿(mào)易，但是在擴大經(jīng)營中，我們在流動資金方面有些困難。

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，但是需要許多流動資金去實施它們。

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)。