評(píng)論
打印
Discounting a Bill of Exchange
匯票貼現(xiàn)
A bank clerk receives a telephone call from a businessman inquiring about discounting a bill of exchange.
銀行職員接到了一個(gè)商人打來的電話，詢問有關(guān)匯票貼現(xiàn)的事情。
Clerk:First National Bank.May I help you ?
職員：這里是第一國民銀行，我可以為您做什么?
Businessman:Yes,please,I'd like to get some information about discounting a bill of exchange .
商人：是的，我想了解一些有關(guān)匯票貼現(xiàn)方面的情況，
Do you do that?
你們銀行有這項(xiàng)業(yè)務(wù)嗎?
C:Yes ,sir .We can handle the discounting of bills of exchange if they meet certain criteria.
職員：是的，先生。我們能夠辦理匯票貼現(xiàn)，只要這些匯票是合乎一定標(biāo)準(zhǔn)的。
Can you tell what kind of a bill you have?
您能否告訴我，您持有的是哪一種匯票嗎?
B:Yes,it's a ninety-day bill for $6,750.00.It matures about two months from now.
商人：可以的。我有一張90天的面值為6，750美元的匯票，從現(xiàn)在起還有兩個(gè)月到期。
I didn't think we'd have to discount it ,but I need the working capital right now.
我本身并不是很情愿地想貼現(xiàn)這張匯票，但是我眼下急需流動(dòng)資金。
How do I discount it ?
您說，這怎樣才能把這張匯票貼現(xiàn)呢?
C:Well ,we can discount certain trade and commercial bills and certain trade acceptances in addition to most bankers acceptances .
職員：噢，除了大多數(shù)銀行可承兌的票據(jù)外，我們還貼現(xiàn)某些貿(mào)易，商業(yè)票據(jù)以及某些貿(mào)易可承兌票據(jù)。
The discount rate depends on the terms of the bill,the amount ,the reputation of the drawee and the reputation of the drawer.
但是貼現(xiàn)率取決于票據(jù)的期限、金額、付款人和開票人的聲譽(yù)。
B:Why does it depend on drawer's reputation or financial status?
商人：為什么貼現(xiàn)率要取決于開票人的聲譽(yù)和財(cái)政狀況呢?
C:Well,we discount most bills on a full-recoures basis .Should the bill be dishonoured upon presentation ,
職員：噢，我們是在一個(gè)完全有追索權(quán)的基礎(chǔ)上對(duì)大多數(shù)的票據(jù)貼現(xiàn)的。如果出示的票據(jù)被拒付，
it would be returned on recourse to the drawer.
那么票據(jù)就退回給開票人，以追索款項(xiàng)。
B:I see ...Is it difficult to handle the paperwork? I'm not sure just what I should do .
商人：我明白了。辦理票據(jù)手續(xù)難辦嗎?我不太清楚我應(yīng)該做些什么。
C:Well,the best thing is to come in and talk with our discount officer .
職員：最好的辦法是到銀行來，同我們這里負(fù)責(zé)貼現(xiàn)的高級(jí)職員談?wù)劊?/div>
He can give you all the information you need.
他會(huì)告訴你所需要知道的一切信息。
