金融英语听力 33.汇票贴现

[00:00.00]Discounting a Bill of Exchange
[00:01.44]汇票贴现
[00:02.87]Situation 33
[00:04.23]情景 33
[00:05.59]A bank clerk receives a telephone call from a businessman inquiring about discounting a bill of exchange.
[00:09.44]银行职员接到了一个商人打来的电话，询问有关汇票贴现的事情。
[00:13.30]Clerk:First National Bank.May I help you ?
[00:14.73]职员：这里是第一国民银行，我可以为您做什么？
[00:16.17]Businessman:Yes,please,I'd like to get some information about discounting a bill of exchange .
[00:18.89]商人：是的，我想了解一些有关汇票贴现方面的情况，
[00:21.60]Do you do that?
[00:22.35]你们银行有这项业务吗？
[00:23.09]C:Yes ,sir .We can handle the discounting of bills of exchange if they meet certain criteria.
[00:26.16]职员：是的，先生。我们能够办理汇票贴现，只要这些汇票是合乎一定标准的。
[00:29.23]Can you tell what kind of a bill  you have?
[00:30.59]您能否告诉我，您持有的是哪一种汇票吗？
[00:31.95]B:Yes,it's a ninety-day bill for $6,750.00.It matures about two months from now.
[00:36.14]商人：可以的。我有一张90天的面值为6，750美元的汇票，从现在起还有两个月到期。
[00:40.33]I didn't think we'd have to discount it ,but I need the working capital right now.
[00:42.78]我本身并不是很情愿地想贴现这张汇票，但是我眼下急需流动资金。
[00:45.22]How do I discount it ?
[00:46.04]您说，这怎样才能把这张汇票贴现呢？
[00:46.86]C:Well ,we can discount certain trade and commercial bills and certain trade acceptances in addition to most bankers acceptances .
[00:51.37]职员：噢，除了大多数银行可承兑的票据外，我们还贴现某些贸易，商业票据以及某些贸易可承兑票据。
[00:55.88]The discount rate depends on the terms of the bill,the amount ,the reputation of the drawee and the reputation of the drawer.
[01:00.15]但是贴现率取决于票据的期限、金额、付款人和开票人的声誉。
[01:04.42]B:Why does it depend on drawer's reputation or financial status?
[01:06.64]商人：为什么贴现率要取决于开票人的声誉和财政状况呢？
[01:08.86]C:Well,we discount most bills on a full-recoures basis .Should the bill be dishonoured upon presentation ,
[01:13.36]职员：噢，我们是在一个完全有追索权的基础上对大多数的票据贴现的。如果出示的票据被拒付，
[01:17.87]it would be returned on recourse to the drawer.
[01:19.93]那么票据就退回给开票人，以追索款项。
[01:22.00]B:I see ...Is it difficult to handle the paperwork? I'm not sure just what I should do .
[01:25.11]商人：我明白了。办理票据手续难办吗？我不太清楚我应该做些什么。
[01:28.22]C;Well,the best thing is to come in and talk with our discount officer .
[01:30.63]职员：最好的办法是到银行来，同我们这里负责贴现的高级职员谈谈，
[01:33.05]He can give you all the information you need.
[01:34.68]他会告诉你所需要知道的一切信息。