商务英语听说教程下 Unit6 Payment

Tradeisaboutpeoplesupplyinggoodswhichotherpeoplepayfor.Sincetherearealwaysdishonestpeople,theremustbewaysofensuringthatthecustomergetstherequiredgoodsingoodconditionandthatthesuppliergetstheagreedamountofmoney.Thisbecomesmoredifficultasthedistanceincreasesbetweenthesupplierandthecustomer.Thecustomerdoesnotwanttopayuntilthegoodsarriveandthesupplierdoesnotwanttosendthegoodsuntilhe/shehasthemoney.Alsogovernmentsoftenimposecurrencyrestrictionsandregulationstocontrolorrecordmoneyenteringorleavingthecountry.Certainsystemshavethereforebeensetupthroughinternationalbankswhichrespecteachother’shonesty.Thetwocommon“systems”forpayingmoneyabroadaretheL/CandB/Ewhicharetheequivalentofchequesfordomestictrade.L/CandB/EListeningPartA-Task1ConversationCallercenterworker:WorldMoney.?Antonia:Hello.I’dliketobuyeuroswithSouthAfricanrands,please.Callercenterworker:Certainly.?Antonia:Couldyouchangeonethousandandfiftyrands,please?Callercenterworker:?Antonia:CanIpaybycreditcard?Callercenterworker:Ofcourse.,please?Antonia:Yes,it’s.Callercenterworker:Andtheexpirydate?Antonia:It’s.Callercenterworker:Thanks.AndcanIhavethesecuritynumber?Antonia:?Callercenterworker:Yes,that’sright.Antonia:OK..Callercenterworker:Thankyouverymuch.I’mjustwaitingforauthorization,sothatwecanprocessyourorder.HowcanIhelpyouHowmuchdoyouwanttochangeAndhowwouldyouliketopayCanIhavethecardnumber2314156925472333September2019IsthatthelastthreenumbersonthebackofthecardThat’s892Pre-listeningListeningPartAPartBFurtherPracticeActivitiesUnit6Payment2.Belowisalistofreasonsgivenforthelatepayment.Listentotheconversationagain,andnumbertheitemsmentionedtoshowtheorderinwhichtheyoccur.PartA-Task2Conversation1.Listentotheconversationonceanddecidewhichofthefollowinggivesthegistoftheconversation.a.Theyhavealargecrisisontheirhandswithacustomerwhohasgonebankruptandowesthemalotofmoney.b.Theirowncustomersaregoingthroughadifficultperiod,too.c.Theyhaveanumberofoutstandingaccountsthemselves.d.Theyhavejustgrantedoneoftheirmajorclientsanextratwoweeks’credit.e.Theyhaveaconsiderableoverdraft.Thecorrectorderis:ebcdaPartA-Task2ConversationUsefulSentencesorExpressionsBelowareusefulsentencesorexpressionswhichcanbeusedinsituationsofpayment.AskingforpaymentWhenisyournextpaymentdate?Ican’twaitforever.Whenwillmychequebeready?Accordingtoourrecords,youstilloweus4,500.Yourmonthlyinstallmentispastdue.Doyouhaveanyproblem?ExpressingbadnewsWeregrettoinformyouthatwehaveaconsiderableoverdraft.I’msorry,butouroverheadshavetobethoughtabout.Iwasjustwonderingifwecouldhavealittleextensionofcredit,inthiscase.Unfortunately,wehavealargecrisisonourhandswithanothercustomerwhoowesusalotofmoney.They’vejustgonebankrupt.I’msorry,butwehaveacashflowproblematthemoment.Wehavealargecustomerwhohasn’tpaidforanorder,either.PartA-Task2ConversationExpressingunderstandingandreassuringAh…yes,Iknowhowthatis.Well,Ihopesoaswell.IthinkIknowwhatyoumean.Wehaveasimilarproblem.Don’tletthisgetyoudown.Ihopewecancontinuetocooperatetogether.Pleasedon’tworry.Everythingwillbeallright.AskingaboutpaymenttermsWhatareyourstandardpaymentconditions?Couldwetalkaboutpaymenttermslater?I’minahurrynow.Howdoyounormallygetpaid?Wegenerallysendacheque.Wouldaletterofcreditbeallright?It’sthebestmethod.PartA-Task3Follow-upMakeandperformaconversationinpairsfollowingthepatternofTask2conversationwiththehelpofthefollowingsituation.Youmayusethesentencesorexpressionsabove.Event:CollectingmoneyfromacustomerSituation:Mr.Stevens,themanagerofanelectroniccomponentcompany，hasshippedtheproductstohisclientMr.Bloom,buthasnotreceivedthepaymentfortwoweeks.HeneedstodetermineexactlyhowmuchMr.BloomoweshimandwhetherMr.Bloomhastemporarilyfallenonhardtimesorcametohavenoabilitytopayup.Askforapartialpaymentasasignofgoodfaithifpossible,buthandleitdiplomaticallyanddonotjeopardizeagoodbusinessrelationship.Mr.Bloom,theclientofMr.Stevens,isexperiencingashort-termcash-flowproblembecauseoneofhislargecustomershasnotpaidforanordereither.HecannotpayMr.StevensonJune10thasrequestedandhastodelaythepaymentbythreeweeks,toJuly1st.HeasksforanextensionofcreditandpromisesthatevenifhemaynotgetpaidhimselfbyJuly1st,heissurethathisbankwillgivehimanoverdraft.PartB-Task1VocabularyBuildingMatchtheChinesetranslationwiththeEnglishwordorphrasewhichhasasimilarmeaning.PartB-Task1VocabularyBuildingFindasmanysimilaritiesanddifferencesbetweenthesepairsofdocumentsaspossibleinsmallgroups.1.acheque/aBillofExchange2.arevocabledocumentarycredit/aconfirmedirrevocableLetterofCredit3.aBillofExchange/aLetterofCredit4.anorder/aninvoiceComparisons:1.Botharewaysofpayingwithoutusingcash.Achequeisusedwithinacountry,butaB/Eisusedoutsidethecountry.Thecustomerwritesacheque,butthesupplier(thepayee)drawsusaB/E.2.Theyarebothmeansofpaymentininternationaltradeissuedbytheimporter’sbank.Theimporter,theImporter’sbankandtheexporter’sbankmustallpayaconfirmedirrevocableL/C,butanyofthesemightrefusetopayarevocableL/C.3.Botharemethodsofpaymentforimportedgoods.Theycanbeusedtogetherorseparately.ThesupplierwritestheB/E,buttheimporter’sbankissuestheL/C(andtheimporterrequeststheL/C).AnL/Cgivesdetailsoftheconsignmentandshippingarrangements,butanB/Edoesnot.AB/EisnegotiablebutanL/Cisnot.4.Anorderisarequestforgoods,butaninvoiceisarequestforpayment.Bothshowthesamedetailsofthegoods,buttheordermightnotshowpaymentdetails.Thecustomersendstheordertothesupplier,andthesuppliersendstheinvoicetothecustomer.PartB-Task1VocabularyBuildingNotes:1.ABillofLading:alistofgoodsbeingtransported,whichthetransportergivestothepersonsendingthegoods,toshowthemthatthegoodshavebeenloaded.2.L/C:ALetterofCreditisadocumentissuedbyabankonbehalfofacustomerauthorizingpaymenttoasupplierwhenconditionsspecifiedinthedocumentaremet.3.Consignment:agroupofgoodssentforsalebyroad,seaorair.PartB-Task2Monologue1.ListentothemonologueforthefirsttimeandtickfromthelistbelowtheitemsmentionedbyJennifer.PartB-Task2Monologue2.Listenagainandnotedownthedefinitionsofthefollowingwordsorexpressionsgivenbythespeaker.a.tradecredit:aperiodoftimegranted，usually30or60days,beforecustomershavetopayb.discount:areductionintheamountofmoneythatcustomershavetopay,usuallyforthosewhoorderalargequantityorpayswithinaparticulartimec.payupfront:topaybeforecustomersreceivetheirgoods,usuallyfornewcustomersd.paymentterms:rulesonwhenandhowcustomersshouldpaye.cashflow:thetimingofpaymentscomingintoandgoingoutofabusinessPartB-Task3Monologue1.AbankexpertistalkingaboutsomecommonmistakesmadebypeoplewhoareusingLettersofCreditdocumentation.ListentoPartIandcompletethereasonsforrejecting25%ofthedocuments:theLetterofCredit;thedocumentswerepresentedtheperiodstatedintheLetterofCredit;theshipmentwas.hadexpiredafterlate2.Thespeakerhasalsomentionedthefactthatdocumentswereofteninconsistentwithoneanotherinthefollowingways.ListentoPartIIandfillinthemissinginformation.thedescription(or)ofgoodsoninvoicesdifferedfromthatintheLetterofCredit;thedifferedbetweenexportdocuments;theshownontheinvoice(s)andtheBillofExchange(draft)differed;thedifferedbetweendocuments;theamountofmoneymentionedontheLetterofCreditwasthanthevalueoftheorder;thewasshort;somedocumentswerewhichwerecalledforinthedocumentaryletterofcredit;wereusedwhennotallowed.spellingweightsamountsofmoneyvaluemarksandnumberssmallershipmentmissingfacsimilesignaturesFurtherPracticeActivitiesTask1ReadingReadthefollowingpassageandthenreportthetwomajormethodsofpaymenttoyourclassmates.Task2Role-playMakearole-playbasedonthefollowingbusinesssituation.Yourfirmreceivesaninvoicefromasupplier,Mr.Robertson.Youfindhehaschangedthemethodofpayment.Hewantsyoutopaybyletterofcreditinsteadofbycheque.Whatdoyousaywhenyouringhimaboutthis?Doarole-playinpairs.Theexpressionsbelowmaybeusefulforyou.really,Mr.Robertson,wedidn’tatallexpect.../wecan’tacceptachangein...youneverinformedus/shouldhavetoldustherewasgoingtobeachange.<>TheIrrevocableLetterofCreditisthemostcommonlyusedmethodofpaymentforimports.Theexporterscanbesurethattheywillbepaidwhentheydispatchthegoodsandtheimportershaveproofthatthegoodshavebeendispatchedaccordingtotheirinstructions.The“letter”isaninter-bankcommunication.Thetwobankstakefullresponsibilitythatbothshipmentandpaymentsareinorder.TherearetwowaysaBillofExchangecanbeusedtopayforgoodssentbysea.Thefirstisknownas“documentsagainstpayment”(D/P)andthesecond“documentsagainstacceptance”(D/A).Whentheprocedureis“documentsagainstacceptance”,theimporterdoesnotpayhisbankthemoneyforthegoods.Insteadhewritestheword“accepted”ontheBillofExchangeandsignsit.Thismeanshepromisestopaythemoneyatalaterdate—usually90or180daysaftertheBilliswritten.ThebankthengiveshimtheBillofLadingandotherdocuments.Theimporter]sbanksendstheacceptedBillofExchangetotheexporter,whonowhasproofthathewillbepaidinthefuture.Whentheshiparrivesatitsdestination,theimportergivesthecaptainoftheshiptheBillofLadingandreceivesthegoods.Theimporterthenpaysthemoneyforthegoodstothebank,whichtransfersittotheexporter’sbank.TheexportercanthenexchangetheacceptedBillofExchangeformoney.