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1704989511
A：好了，这只有4000美元。你不是说你的预算有5000美元吗？剩下的钱呢？
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1704989513
B: That’s my buffer… I wanted to leave a little room in the budget, just in case—it’s better to be safe than sorry.
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1704989515
B：这是我留的备用金……我想在预算中留点儿余地，以防万一——宁愿稳妥免致后悔。
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1704989517
Dialogue 4
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1704989519
A: Good afternoon. May I help you?
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1704989521
A：下午好。能为您效劳吗？
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1704989523
B: Yes, I’d like you to collect a sum of money for us.
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1704989525
B：是的，我想委托你们为我公司收一笔款。
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1704989527
A: My pleasure. Who is the payer, the importer of which country?
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1704989529
A：乐意效劳。付款人是谁，是哪个国家的进口商呢？
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1704989531
B: Oh, he is one of our long-term clients in Denmark. We have sold a lot of hard wearing tiles to them.
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1704989533
B：哦，是我们公司丹麦的老客户。我们向他们销售了很多耐磨瓷砖。
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1704989535
A: As you know, when handling a collection, the bank plays the role of agent between the seller and buyer. It does not substitute its credit for the buyer as in L/C. That is to say, collection is of commercial credit, while L/C is of bank credit.
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1704989537
A：您知道，办理托收时，银行在买卖双方之间起的是代理人的作用。不像在信用证业务中银行是以自己的信用代替买方的信用。也就是说，托收是商业信用，而信用证是银行信用。
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1704989539
B: Yes, exporters are reluctant to accept payment by collection because it’s more risky.
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1704989541
B：是的，出口商不愿意接受托收的付款方式就是因为它的风险大。
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1704989543
A: Then why didn’t you adopt the means of L/C this time?
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1704989545
A：那您这次为什么不采用信用证方式收款呢？
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1704989547
B: On the one hand, my company has a good and long relation with the client. There is no doubt about his willingness and ability to pay. On the other hand, both of us want to avoid the expenses of L/C.
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1704989549
B：一方面，我们公司和这位客户长期保持了良好的业务关系。我们相信他愿意而且有能力付款。另一方面，我们双方都想省去信用证的费用。
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1704989551
A: You are so considerate of clients.
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1704989553
A：贵公司真为客户着想啊。
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B: The importer complains that to open a L/C is expensive, saying that he has to pay a margin which not only ties up his funds but increases his cost of imports.
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B：进口商抱怨开立信用证费用太高，说是缴纳保证金不仅占用他的资金还增加进口成本。
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1704989559
Dialogue 5
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