Unit3 Status Enquiries

资信调查

3.1 Introduction3.1 Introduction （简介）（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。

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 ）

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 abroa

d ）

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。

3.2 Writing Skills3.2 Writing Skills （写作技巧）（写作技巧）

资信调查信函的写作步骤及常见表达方式：写作步骤 表达方式

（ 1 ）直截了

当地说明写信的意图

Our prospective customers…have given us your name as a banking reference. （我们的潜在客户……把您定为他们的银行证明人。） have referred us to you that…for information concerning their standing. （……公司介绍您的目的是让我们了解他们的资信情况。） They state that they have done business with you for the past two years and have given us the name of your company as a reference. （他们向我们表示，他们在过去的两年中与您有过生意来往，并且指定贵公司作为他们的证明人。）

（ 2 ）说明想要调查的细节和原因

We should be very grateful to you for any information you can give us about their reputation and credit-worthiness. （我们非常感激您能给予我们有关他们的声誉和资信情况的情报。） We should be obliged if you would let us know if …（如果您能告知我们……，我们将不胜感谢。） Since it is our first transaction with this firm, we should greatly appreciate your advice as to what limit you consider them safe. （因为这是我们与该公司所做的首笔生意，所以非常感激您告知我们您对该公司可信任程度的意见。）

（ 3）保证保守秘密

Any information we receive from you will, of course, be held in strict confidence. （我们从您处收到的任何信息定会严加保密。） We thank you for your courtesy and assure you of strict confidence. （我们很感谢您的友好，并向您保证严守秘密。） For your convenience in replying, a questionnaire is enclosed, together with a stamped, addressed envelope. （为了便于您答复，特附上一张调查表和写好地址的信封。）

回复资信调查信函的写作步骤及常见表达方式：

写作步骤 表达方式

（ 1 ）感谢对方的信任，表达愿意提供信息的意愿

Thank you for your inquiry about the business standing of…, we are pleased to supply you with the following information. （感谢你查询有关……的资信情况，我们愿意给您以下情报。） We can thoroughly recommend the firm you inquire about. （我们完全可以推荐您所打听的公司。 We welcome the opportunity to report favorably on…. （我们欢迎有这次机会来报告有关……的实际情况。

（ 2 ）有利的答复

In all these years our relations with them have been consistently and entirely satisfactory. （这些年中我们与他们的业务联系一直非常令人满意。） We welcome this opportunity to assure you of our complete confidence in… （很高兴有这样的机会向您保证，……受到我们的完全信赖。） After some difficulty during the first year, the firm has met its liabilities regularly and punctually.（度过开头一年的困境之后，此公司运行正常，而且按时履行义务。）

（ 3 ）不利的答复

Our own experience with them has not been satisfactory. （我们与他们打交道的经历并不令人满意。） Recent difficulties that seem to be due to bad management have resulted in considerable borrowing at a high rate of interest. （最近一段时间，也许是因为经营不善所带来的困难，公司借入了大量高利率资金。） Our records show that some of their accounts have been outstanding for long periods. （我方资料表明，他们的一些账款长期未曾结清。）

（ 4 ）希望对方对所提供的报告保密

Please consider this information for which we accept no responsibility as strictly confidential. （请您对此答复严格保密，我们对此不承担责任。） We offer this information in strict confidence and with good faith. （确信会对我们所给的答复严格保密。） We hope that we have been of assistance to you, and that you will recognize the importance of keeping this communication strictly private. （希望这些对你方有用，也望你方理解保守此秘密的重要性。）

3.3 Specimen Letters3.3 Specimen Letters （样函）（样函）

Letter 1 ： Making inquiry through one’s own bankDear 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

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

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

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

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

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

3.4 Focal Words3.4 Focal Words （焦点词汇）（焦点词汇）

appealvi. 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.

confirmvt. 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.

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.

sharen. 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.

supplyn. 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.

3.5 Useful Sentences3.5 Useful Sentences （实用语句）（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.

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.