商务英语Unit3.doc

Unit 3
Summer collection
Catalogue/ price list / quotation
Enquiry询盘 / offer报盘/counter offer 还盘
Thanks for your letter/fax about / concerning / regarding / dealing with
Vendor / vendee / vending machine / newsvendor
Employer / employee
Trainer / trainee
Sort out the problem/ books / files
As for / as to (emphasis)
Inflows / outflows
Install a system / a device
Balance sheet
To balance your budget / your books
To cook the books / book-keeper
Down payment
Give sb credit terms of 30 days
He is allowed credit when buying this car.
Your bank account is in credit.
The balance(remainder) in your bank account
An outstanding balance
Early settlement discount
Free up the cash flow of the company
Charge sb.100 yuan
Bill the customer for the service
Sth. is priced at 100 yuan

Figure out a way of turning sales into cash
As our margin is small enough, we cannot afford to offer early settlement discount.
What if you offer 1% discount?
Our cash flow every month will increase by $8000
So what you’re saying is…
So that’s … / So your point is…
It makes little difference to sth.
It will make a big difference to sth.
That big

Flat / Liquid-crystal display
Eco-friendly
Roomy / spacy comfortable / luxurious

Unit 3 Commerce

Cash flow statement

POWELL CORPORATION
Statement of Cash Flows – Direct Approach
For the Year Ended December 31, 1997

Cash flows from operating activities

Cash received from customers

2975
Less cash payment for:

Purchase of merchandise
1045

Selling of administrative expenses
1456

Interest
200

Income taxes
19
2720
Net cash provided by operating activities

255
Cash flow from investing activities

Purchase of land
(85)

Purchase of equipment
(25)

Proceeds from disposal of equipment
15

Proceeds from sale of long-term investments
135

Net cash provided by investing activities

40
Cash flows from financing activities

Payment to settle short-term note
(300)

Proceeds from bond issue
70

Dividend paid
(15)

Net cash used by financing activities

(245)
Net increase (decrease) in cash

50
Cash balance, January 1, 1997

50

1. put the following banking words into different catalogues
balance payee credit deduct paying-in slip creditor transaction counterfoil adviser interest advice note statement cashier deposit banker debit
PEOPLE PAPERS ACCOUNT MANAGEMENT

PEOPLE banker adviser payee cashier creditor
PAPERS statement paying-in slip counterfoil advice note

2. Match the questions and statements with the responses.

1) Is the money in the account yet?
A) I’ll just check my diary.
2) I’d like to have a credit card, please.
B) I’ll just call up your details and see.
3) Can I put some money in my account?
C) OK. I’ll get an application form.
4) What’s your current interest rate?
D) One moment. I’ll check the balance.
5) How much is in the account?
E) I’ll get a copy of our terms and conditions.
6) Can I make an appointment for Monday?
F) We’ll have to order that much currency.
7) Can I change $5000 into pounds, please?
G) Certainly. I’ll get you a paying-in slip.
3. Match the verbs with the nouns then use them to complete the sentences below.

Deliver haulage
Fill in goods
Pay a consignment
Arrange import duty
Ship a delivery note
Negotiate with a supplier

1) We usually ________ by courier
2) We always _______ with a local logistics company.
3) Don’t forget to ________ and check all the other paperwork.
4) We had to ________ to increase our margins on the order.
5) The customers won’t release the goods until we __________.
6) We can _______ next week as there’s a boat leaving Rotterdam.

a) the distributor delivers the goods and invoices the customer
b) the customer places the order with the local distributor.
c) The overseas supplier produces the goods and ships them.
d) The distributor issues a letter of credit to the supplier.
e) The distributor orders the goods fro the overseas supplier.
f) The customer receives the goods and pays the distributor.
g) The goods arrive and go through customers.

Payee: a person that money or cheque is paid to
Creditor: a person, company, etc. that sb owes money to
A financial adviser:
Cashier: a person whose job is to receive and pay out money in a bank, shop store or hotel, etc.
Banker: a person who owns a bank or has an important job at a bank.
credit card / debit card
direct debit: an instruction to your bank to allow sb else to take an amount of money from your account on a particular date, especially to pay bills.
Standing order: an instruction that you give to your bank to pay sb a fixed amount of money from your account on the same day each week /month, etc.

Loan
Place where you leave money to earn interest
Statement
Specific sum of money lent by an bank
Transfer
Regular automatic payment from your account
Cheque
Limited amount of credit on your current account
Current account
Helpful information about managing your money
Deposit account
Handwritten promise of payment given to a person
Direct debit
Printed record of all your account’s transactions
Standing order
Account from which you can withdraw money quickly
Financial advice
Movement of money from one account to another
overdraft
Order giving access to your account to pay bills etc.

Banks and payments
Conversation 1
l Kline & Weller. Good morning.
l Hello. Can I speak to Julian Weller?
l Speaking.
l This is Mark Handy of Barbes. Associate.
l Ah, hello. What can I do for you?
l We sent you an invoice on the 30th of November.
l Yes. Haven’t we paid you yet?
l No, and it’s two weeks overdue now.
l Oh, I’m very sorry. I’ll send you a cheque this afternoon.
l Thank you.
Conversation 2
l Now, what can I do for you?
l Well, some of our customers are slow payers.
l So they owe you money and…
l .. and we need the cash. Yes.
l Well, the first thing I need to know is if you have nay debts.
l No, not really. We do have a small overdraft at the moment.
l That’s a very expensive way to borrow.
l Really?
l Yes. You usually pay a higher rate of interest on an overdraft than on a loan.
l Perhaps I should repay it……
Conversation 3
l Good morning.
l Good morning Mr Sanchez. What can I do for you?
l I’d like to withdraw $ 2,500 from this account and change it for Marks.
l Certainly.
l What’s the rate of exchange today?
l Just a moment… It’s 2.42.
l And your commission?
l We charge 1.5%.
l Fine. When you’ve finished I’d like to check the sage deposit box.
l Certainly.