银行英语: 同城或异地结算, 支票到帐, 英文怎么说?

付款用语

付款方法 mode of payment

现金付款 payment by cash||cash payment||payment by ready cash

以支票支付 payment by cheque

以汇票支付 payment by bill

以物品支付 payment in kind

付清||支付全部货款 payment in full||full payment

支付部分货款||分批付款 payment in part||part payment||partial payment

记帐付款||会计帐目内付款 payment on account

定期付款 payment on term

年分期付款 annual payment

月分期付款 monthly payment||monthly instalment

延滞付款 payment in arrear

预付货||先付 payment in advance||prepayment

延付货款 deferred payment

立即付款 prompt payment||immediate payment

暂付款 suspense payment

延期付款 delay in payment||extension of payment

支付票据 payment bill

名誉支付||干与付款 payment for honour||payment by intervention

结帐||清算||支付 settlement

分期付款 instalment

滞付||拖欠||尾数款未付 arrears

特许拖延付款日 days of grace

保证付款 del credere

付款 to pay||to make payment||to make effect payment

结帐 to settle||to make settlement||to make effect settlement||to square||to balance

支出||付款 to defray||to disburse

结清 to clear off||to pya off

请求付款 to ask for payment||to request payment

恳求付帐 to solicit payment

拖延付款 to defer payment||to delay payment

付款被拖延 to be in arrears with payment

还债 to discharge

迅速付款 to pay promptly

付款相当迅速 to pay moderately well||to pay fairly well||to keep the engagements regularly

付款相当慢 to pay slowly||to take extended credit

付款不好 to pay badly||to be generally in arrear with payments

付款颇为恶劣 to pay very badly||to never pay unless forced

拒绝付款 to refuse payment||to refuse to pay||to dishonour a bill

相信能收到款项 We shall look to you for the payment||We shall depend upon you for the payment ||We expect payment from you

惠请付款 kindly pay the amount||please forward payment||please forward a cheque.

我将不得不采取必要步骤运用法律手段收回该项货款 I shall be obliged to take the necessary steps to legally recover the amount. ||I shall be compelled to take steps to enforce payment.

惠请宽限 let the matter stand over till then.||allow me a short extension of time. ||Kindly postpone the time for payment a little longer.

索取利息 to charge interest

附上利息 to draw interest||to bear interest||to allow interest

生息 to yield interest

生息3% to yield 3%

存款 to deposit in a bank||to put in a bank||to place on deposit||to make deposit

在银行存款 to have money in a bank||to have a bank account||to have money on deposit

向银行提款 to withdraw one's deposit from a bank

换取现金 to convert into money||to turn into cash||to realize

折扣用语 从价格打10%的折扣 to make a discount of 10% off the price||to make 10% discount off the price

打折扣购买 to buy at a discount

打折扣出售 to sell at a discount

打折扣-让价 to reduce||to make a reduction

减价 to deduct||to make a deduction

回扣 to rebate

现金折扣 cash discount

货到付款||现金提货 cash on deliver (C.O.D.)

货到付现款 cash on arrival

即时付款 prompt cash

净价||最低价格付现 net cash

现金付款 ready cash

即期付款 spot cash||cash down||cash on the nail

凭单据付现款 cash against documents

凭提单付现款 cash against bills of lading

承兑交单 documents against acceptance (D/A)

付款交单 documents against payment (D/P)

折扣例文

除非另有说明，30日后全额付现，如有错误，请立即通知。

Net cash 30 days unless specified otherwise. Advise promptly if incorrect.

付款条件：30日后全额付现，10日后付现打2%折扣，过期后付款时，加上利率为6%的利息。

Terms, net cash 30 days, or, less 2% 10 days. Interest charged at the rate of 6% after maturity. 付款条件：月底后10日后付现2%折扣，现在付现3%折扣，否则，全额付现。

Terms: 2%, 10 days E.O.M., or 3% cash, otherwise strictly net.

信用证用语

追加信用证 additional credit||additional L/C

信用证金额 amount of credit

赊帐金额 credit balance

可撤消信用证 revocable L/C

不可撤消信用证 irrevocable L/C

保兑信用证 confirmed L/C

不保兑信用证 unconfirmed L/C

可转让信用证 assignable L/C||transferable L/C

银行信用证 banker's L/C

有追索权信用证 with recourse L/C

无追索权信用证 without recourse L/C

单一信用证 simple credit

无条件信用证 open credit||free credit

普通信用证 general letter of credit

旅行信用证 circular letter of credit

特别信用证 special letter of credit

信用证底帐 letter of credit ledger

信用证发行帐 letter of credit issued account

信用证金额 amount of credit

信用证余额||信用证结欠 credit balance

开立信用证 to open a credit

通过银行开立信用证 to establish a credit through a bank

电开信用证 to cable a credit

取消信用证 to cancel a credit

开出信用证 to issue a credit

在某银行开立信用证 to arrange a credit with a bank

修改信用证 to amend a credit

延展信用证有效期 to extend a credit

增加信用证面额 to increase a credit

寄出信用证 to send a credit

请发给信用证 to take out a credit

信用证例文

我们已开出以贵方为受益人的保兑信用证。

We nave opened a confirmed credit in your favour.

以贵方为受益人，我们开出不可撤消的的保兑信用证。

We have opened a confirmed and irrevocable credit in your favour.

我们被请求已开出以贵方为受益人的信用证，特此通知。

We are pleased to inform you that we have been requested to open a credit in your favour.

我们已开出商业信用证，特此通知。

We intimate to you that we have issued a commercial letter of credit.

银行用语

请入收款人的户号 account payee

请支付票款 advice to pay cheques

惠请通知该支票的经过 advise fate

金额有错误 accounts differ

文字与数字所记载金额不同 words and figures differ

签名有误|印鉴不符 signatures differ

请明天再次提出为荷 present again tomorrow

保证付款 good for payment

请照会发票人 refer to drawee (R.D.)

无交易 no account

款额不足||存款不足 not sufficient (N.S.)||no sufficient funds (N.S.F.)

已无存款 no funds

如支票不获兑现时, 不必出具拒绝证书。 notto be protested in case of dishonour||protest waived||no protest

需要出具拒绝证书 to be protested

没有通知 no advice

未受指示 no orders

禁止转让||不可转让 non-transferable||not transferable

已付款 received payment||payment received

上开价金已收到 value received||for value received

上开价金系经核算 value in account

上开金额与发票相同 value as per invoice

上开金额与通知书相符 value as per advice

无追索权 without recourse

有追索权||偿还请求权 right of recourse

请求偿还清单||清偿帐户 recourse account

偿还准备金 recourse fund

拒绝偿还||拒绝追索 recourse repudiation

银行业务例文

定期存款的条件为年利6%，存期6个月以上，只要金额1,000元，我们均乐意接受。

We shall be pleased to receive a fixed deposit for any amount more than $1,000, for a period over six months at the rate of 6% p.a.

谨同函寄上新开定期存款第500号存折一份，面额100,000元，请查收为荷。该面额等于您寄来换新的旧存折本金加上利息之和。

Enclosed please find a new deposit certificate No. 500 for $100,000, which represents the principal and interest of the old certificate you sent us for renewal.

如存款为100元以上，我们将乐意接受。

We shall be glad to receive deposits of 100 yen and upward.

结算

到目前为止，我公司应收帐尚有二万美元。兹奉上结算报告书一份，敬请查收为荷。

Enclosed we hand you a statement of account to date, showing a balance of $20,000 in our favour, which we trust will be found in order.

上开帐目，现正核对, 如无错误，将遵照贵公司的指示，将转入新开的帐户内。

This account is under examination, and if found correct, it shall be carried to a new account, in conformity with your instructions.

您昨日函敬悉。兹遵照贵方请求，同函附上结算报告书，敬请惠予查收为荷。

Your favour of yesterday was duly received, and we hand you herewith a statement of your account as requested, which we hope you will find correct.

兹奉上棒铁总价为512,000元清单一份，恳请列入我公司贷方帐项为荷。

We hand you our account on the bar iron, amounting to $512,000, which kindly pass to our credit.

请求付款

恳请速予汇款为荷。

an early remittance will be appreciated.

迟付的60美元, 请速予寄下为荷。

Please let us have your check for the $60 now past overdue.

有鉴于此，相信贵方将随复函寄来支票, 特此致谢。

With these facts before you, we feel sure that you will send us your check by return mail. Thank you.

我们恳求，对此部分能速予结帐为荷。

We urge that you make this settlement without delay.

何不立即对此案作一结算？请在今日将支票随函发出即可。

Why not settle this matter now? Just attach your check to this letter, and send it by today's mail.

催告付款

为加清本帐目，我方多次催促，但未有任何效果。所以为收回本帐款项，准备向法院起诉，特此通知。

Having made repeated applications for apyment of this amount without avail, we now give you notice that we shall take out a summons for recovery of the same

下星期一以前未能清结本件款项，不得已，将委任我公司顾问律师处理。

We wish to state that if the account be not paid by Monday next, we shall be forced to place the matter in the hands o four solicitors.

贵方虽多次答应付款结帐，但迄今尚未结清。如在本月底以前，尚未拔款结清，只好委托我公司顾问律师处理。

In spite of your repeated promises to let us have a cheque, we are still without a settlement of your outstanding account, and therefore, unless same is settled by the end of this month, we shall be compelled to hand over the matter to our solicitor.

对于此事，贵方似乎在趁机利用我公司的宽容态度。本函系最后通告所，复函时请汇足够金额，以结此帐，否则只好采取其它途径，特此函告。

As you seem to take advantage of you leniency in this matter, we now give you the final notice that, unless we shall receive a substantial amount on account by return of post, we shall adopt other measures for its recovery.

结算和决算的区别有：含义不同、性质不同、目的不同、范围不同、方法不同。

1、含义不同

结算是指在企业的日常经营活动中，对货物采购、生产制造、销售等环节进行清理、核对和计算，是对企业经营活动进行全面、系统的记录和核算。而决算则是指在年度结束后，根据本年度的经营成果和财务状况，编制年度财务决算报告，以综合反映企业的财务状况和经营业绩。

2、性质不同

结算是一种过程，是对企业经营活动进行全面的清理、核对和计算，以便得出最终的财务成果。而决算则是一种报告，是对年度财务状况和经营业绩的综合反映，是对企业财务状况的总结和评价。

3、目的不同

结算的主要目的是通过对企业经济活动的清理、核对和计算，得出企业的成本、收入等财务指标，它主要是为企业内部管理和决策提供参考依据。而决算的主要目的是为了向企业的利益相关者提供年度财务报告，以综合反映企业的财务状况和经营业绩，为投资者等提供决策依据。

4、范围不同

结算的范围相对较广，它涉及到企业经营活动的各个方面，包括但不限于原材料采购、生产制造、销售回款等。而决算则主要关注企业的年度财务状况和经营业绩，包括收入、成本等财务指标，以及资产负债表、现金流量表等财务报表。

5、方法不同

结算的方法包括会计核算、税务处理等，主要采用会计方法和工具，如会计科目、会计凭证、会计账簿等。而决算则主要采用财务报表的形式，包括资产负债表、现金流量表等，通过对财务报表的分析和比较，可以对企业财务状况进行综合评价。

结算和决算的联系

1、结算和决算都是财务管理的重要环节

财务管理是对企业经济活动进行全面、系统的管理，而结算和决算都是财务管理的重要环节。结算是对企业经营活动的清理、核对和计算，是企业财务管理的基础。而决算是对年度财务状况和经营业绩的综合反映，是财务管理的总结和评价。

2、结算和决算相互影响

在财务管理中，结算和决算之间是相互影响的关系。通过结算得出的财务成果和经济效益是编制年度财务决算报告的基础。同时，年度财务决算报告的编制也需要参考企业的日常经营活动和财务状况，以便得出更准确、全面的结论。

3、结算和决算都是为企业决策提供依据

通过结算，可以为企业内部管理和决策提供参考依据，帮助企业更好地管理经营活动，提高经济效益。而通过年度财务决算报告的编制，可以为投资者等提供决策依据，帮助他们了解企业的财务状况和经营业绩，从而做出更明智的投资决策。

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