Unit3 Status Enquiries 资信调查

1. Unit3 Status Enquiries 资信调查

2. 3.1 Introduction（简介） 目的:掌握从何种渠道开展资信调查，以及如何撰写相关的信函。

3. 资信调查主要需要获得如下信息： （1）财务状况（Financial position） （2）信用（Credit） （3）声誉（Reputation） （4）业务做法（Business methods） （5）管理能力（Management capacities）

4. 调查资信的方法有多种，应用最广泛的是通过银行调查。其他的调查渠道还包括：调查资信的方法有多种，应用最广泛的是通过银行调查。其他的调查渠道还包括： （1）商会或有关的行业工会（Chamber of commerce） （2）咨询机构（Enquiry agencies） （3）中国的驻外商务机构（Chinese commerce agencies in foreign countries） （4）外国的驻华商务机构（Foreign countries’ commerce agencies in China） （5）国内外咨询公司（Enquiry companies at home and abroad）

5. 资信调查信函应明确表明要求并对提供的资信情况表示感谢，同时，要保证对此进行保密。此外，为了让提供情况者方便起见，通常附上写明回信地址和贴好邮票的信封。资信调查信函应明确表明要求并对提供的资信情况表示感谢，同时，要保证对此进行保密。此外，为了让提供情况者方便起见，通常附上写明回信地址和贴好邮票的信封。 在回复这类查询信函时，回信应冠以“机密并亲启”（Private & Confidential）字样。不要提及被查询的公司名称，用“有关公司”、“该公司”、“被谈论的公司”等更安全的字样，尤其是当证明报告提供不利的信息时。除了如实提供情况和提出建议外，回信中一般还包括这类句子“对所提供情况不负任何责任”以避免可能的麻烦。 在获得调查信息后，调查者要对被调查者进行冷静、客观的分析。分析时，应遵循“3C”原则，即分析调查者的品行（Conduct）、能力（Capacity）及资本（Capital）情况。

6. 3.2 Writing Skills（写作技巧） 资信调查信函的写作步骤及常见表达方式：

9. 回复资信调查信函的写作步骤及常见表达方式：回复资信调查信函的写作步骤及常见表达方式：

13. 3.3 Specimen Letters（样函） Letter 1：Making inquiry through one’s own bank Dear Sirs, We have received a large order from Messrs E.A. Sheen & Co., P.O. Box123, Karachi. We would therefore appreciate it if you would provide us information about the financial and business standing of the previously mentioned firm. The reference we have obtained is the Royal Bank, Karachi. Will you please be good enough to obtain for us the information we need. Any information that you may provide us will be treated in strict confidence. We thank in advance. Yours faithfully, Li Xingdong

14. Letter 2：A favorable reply to the above Dear Mr. Li, Referring to your letter of June 25, 2005, we wish to inform you that we have obtained the information you require from the Royal Bank, Karachi Branch. The subject company was established in January 1982 with a capital of Stg.10 000. Do business as importers and exporters in various kinds of Sewing Machines. Their balance sheets of recent years enclosed will show you that their import business in this line has been managed and operated under satisfactory condition. Please note that the information is provided with strict confidence and without any responsibility whatsoever on the part of this Bank. Yours faithfully, Wu Dongfeng

15. Letter 3：An unfavorable reply Dear Mr. Li, The subject company you inquired about in your letter of June 25, 2005, from the information we have obtained from Royal Bank, Karachi Branch, we are sorry to say, has been unsatisfactory. The company still owes an amount of money for a purchase made a year ago. They can not duly clear off their balance outstanding. May we ask you to treat this information as strictly confidential without responsibility on this bank or any of its officers. Yours faithfully, Wu Dongfeng

16. Letter 4：Making inquiry through a company as a trade reference Dear Sirs, The subject firm in Newcastle who has written to us that they are the leading importers in the place dealing in chemicals, and that they now wish to switch to us for the supply of the similar item. The company with which you are now doing business, and your names were given to us as a reference. As we have no business relations with them before we should be most grateful for any information you may obtain for us. 1. How long have you been in business relations with the company? 2. What credit limit have you placed on their account? 3. How promptly are terms of payment meet? 4. What amount is currently outstanding? Any information you may give us will be treated strictly in confidence. Sincerely yours, Li Pei chum

17. Letter 5：A favorable reply to the above Dear Mr. Li, In reply to your letter of August15, 2005, we are pleased to tell you the subject company has been maintaining business relations with us for the past twenty years, during which they have never failed to meet their obligation. The credit report of recent years enclosed will show you that their import business in chemicals has been doing well. We believe that they owe their reputable position among the local wholesalers in their area to their steady and sincere way of conducting business. Please note that the information is furnished at your request without any responsibility on our part and should be held strictly confidential. Yours truly, J.A. Richard Encl: Credit report one copy

18. Letter 6：An unfavorable reply to the above Dear Mr. Li, We have completed our inquiry concerning the firm mentioned in your letter of August 15, 2005 and that we must advise you to consider their request with caution. About a year ago, an action we brought against the firm by one of its suppliers for recovery of sums due, though payment was later recovered in full. Our inquiries reveal that the firm’s difficulties would seem to be due to bad management and in particular to overtrading. Most of the firm’s suppliers either give only very short credit for limited sums, or make deliveries on a cash basis. This information is of course supplied in strict confidence. Yours faithfully, J .A. Richard

19. 3.4 Focal Words（焦点词汇） appeal vi. 对……有吸引力，投其所好 We think the superb workmanship as well as the novel design will appeal to your customers. It will be to our mutual benefit to come to an agreement. appealing: adj. 吸引人的，诱人的 We assure you that every buyer will like the appealing appearance of the goods.

20. confirm vt. 确认，证实，保兑 We confirm（receipt of）your letter dated May 28, 2005. We hereby confirm having sold to you the following goods on terms and conditions as specified below… confirmation: n. 确认，证实 We thank you for your immediate confirmation of our order. If you find our offer agreeable, please cable us your acceptance for our confirmation.

21. interest n. 兴趣，关心；利益；利息 Please let us have your inquiry in case of interest. It would be to your interest to accept our offer because you can hardly obtain similar supplies at our figure elsewhere. We are convinced that we shall be able to find a solution in the interest of both parties. We charge interest on sums outstanding after 30 days. vt. 使……感兴趣 What interested us most was the exquisite craftsmanship of jade-caving workers.

22. share n. 份额 His company now commands a large share of trade in the European market. There are nine major passenger car manufactures in Japan continuously competing for large shares in the world market. vt. 分担，分享 For friendship let us share the price difference on an equal basis. All the stockholders will share the profits and losses.

23. supply n. 供应 Present supply of wood oil is quite sufficient. Supply now exceeds demand on our market. vt. 供应，提供 We can supply all kinds of leather shoes. This pro-forma invoice is supplied for applying for the necessary import license.

24. 3.5 Useful Sentences（实用语句） 1. We shall appreciate it if you will let us know their financial position. 2. We shall appreciate it if you will give us your frank opinion on these points regarding the company. 3. The corporation trades principally in electric and electronic commodities with America and Japan. We have a high regard for their business ability and financial standing. Their reputation here is decidedly good. We hope that you will treat it as confidential.

25. 4. We regret our inability to assist you in this matter. 5. The above information is given confidentially and without responsibility on this bank. 6. Any information you may give me will, of course, be treated as strictly confidential. 7. Replying to your letter of yesterday’s date, we are happy to inform you that the firm referred to enjoys an unlimited credit. 8. We are sorry we are not able to give a precise information you ask.