高频英语口语对话 第430期:申请商务贷款

 unit 479

申请商务贷款

dialogue

英语情景对话

A:Bill, I'm expecting a big increase in turnover¹ with the coming of the Mid-Autumn Festival. But wholesales² are unwilling³ to supply my orders unless I pay them an advance of 50% of the full price, for my business is fairly new. I hope that you can make me an advance on loan.

A:比尔，随着中秋节的到来，我预计营业额将会大大增加。但除非我预付50%,的总价，否则批发商不肯给我货，原因是我的生意才刚起步。我希望你能贷给我一笔预付款。

B:Do you have stocks or a title deed of a house to pledge as security?

B:你有没有股票或房屋所有权证可做担保？

A:No. I should be grateful if you could see your way to make an advance against my personal reputation. You may inspect my accounts. From my accounts you can see that I've promptly⁴ met all my obligations.

A:汝有。如果你肯根据我个人的信誉贷款给我，我会很感激。你可以检查我的账目，从账目上你可看出我向来都能按时履行所有义务。

B:We do not allow any request for a loan against personal security. This is a common regulation. But we may consider it if you can provide a reliable guarantor.

B:我们不允许依个人信用批准贷款，这是常规。不过如果你能提供一个可靠的担保人，我们或许可以考虑。

A:Yes, I can. You know Mr. Macready, the famous car dealer⁵ here in New York. He agreed to act as my guarantor of a loan in the sum of US l0,000 until the end of this year.

A:好的，我可以。你认识麦克里迪先生吧，纽约本地有名的汽车商人。他同意做我的担保人，保l万美元到年底。

B:Good. He is a man of high standing⁶. I think we can grant the loan you need after some further discussion. But I suggest you borrow on overdraft⁷ instead of on loan.

B:好。他是个信誉很好的人。我想我们更进一步讨论后，能批准你贷款。不过我建议你以透支方式而不是贷款方式贷款。

1 turnover   

n.人员流动率，人事变动率；营业额，成交量

参考例句：

• The store greatly reduced the prices to make a quick turnover.这家商店实行大减价以迅速周转资金。
• Our turnover actually increased last year.去年我们的营业额竟然增加了。

2 wholesales   

v.批发( wholesale的第三人称单数 )；趸售，大规模买卖；批发（的）；大规模（的）

参考例句：

• This coat wholesales for less than ten dollars. 这种上衣的批发价不到十美元。 来自辞典例句
• We welcome any wholesales, retailing and tailor made production. 本公司欢迎零售，批发，来样加工。 来自互联网

3 unwilling   

adj.不情愿的

参考例句：

• The natives were unwilling to be bent by colonial power.土著居民不愿受殖民势力的摆布。
• His tightfisted employer was unwilling to give him a raise.他那吝啬的雇主不肯给他加薪。

4 promptly   

adv.及时地，敏捷地

参考例句：

• He paid the money back promptly.他立即还了钱。
• She promptly seized the opportunity his absence gave her.她立即抓住了因他不在场给她创造的机会。

5 dealer   

n.商人，贩子

参考例句：

• The dealer spent hours bargaining for the painting.那个商人为购买那幅画花了几个小时讨价还价。
• The dealer reduced the price for cash down.这家商店对付现金的人减价优惠。

6 standing   

n.持续，地位；adj.永久的，不动的，直立的，不流动的

参考例句：

• After the earthquake only a few houses were left standing.地震过后只有几幢房屋还立着。
• They're standing out against any change in the law.他们坚决反对对法律做任何修改。

7 overdraft   

n.透支，透支额

参考例句：

• Her bank warned that unless she repaid the overdraft she could face legal action.银行警告她如果不偿还透支钱款，她将面临诉讼。
• An overdraft results when a note discounted at a bank is not met when due.银行贴现的支票到期而未能支付就成为透支。