信贷和催款信CreditandCollectionLetters.pptVIP

Chapter 7 Credit and Collection Letters 信贷与催款信 Credit Letters Before granting credit, a company must be reasonably sure of the customer’s financial stability, and her ability and willingness to pay. These are verified by the exchange of credit information. Five types of letters are involved in credit correspondence: (1) applications for credit (2) inquiries about creditworthiness (3) responses about creditworthiness (4) letters granting credit (5) letters refusing credit Credit Inquiries and Replies (References) 信用调查或资信调查 In international business, an exporter may ask his new customer to give the name of his banker or the name of other firm with which the customer has previously dealt as a reference. [banker’s reference or trade reference] In this case, the word “reference” has two meanings: a piece of written information about someone’s character, ability, etc. 资信证明书（材料） a person who provides such information. 资信证明人 A new business may wish to place a first order with a supplier or manufacturer and establish a credit line or open account. A letter of this kind should include credit references (such as banks and other business that have extended credit). Applications Dear Sir or Madam, Enclosed is our cash order 121 for 6 four-slice toasters, model 18E. We would like to place this order on open account according to your regular terms. Our store has been open for two months, and you may check our credit rating with Ms. Peggy Sawyer, branch manager of the First Bank of Chicago, 1160 State Street, Chicago, Illinois 60688. Please let us know your decision regarding our credit as well as an approximate delivery date for our first order. Sincerely yours, Ⅰ.Credit Inquiries: When checking a business’s credit standing, a company may contact the references. The letter of credit inquiry should contain all known information about the applicant, should assure the reference that all information will remain confidential. The inclusion of a reply envelope is a wise court