ChinesePod
aChinesePod
@ 41283 Applying for a Loan
A: 您就是羅經理吧。才貌雙全，一看就是做經理的料。
nín jiùshì Luó jīnglǐ ba. cáimàoshuāngquán, yī kàn jiùshì zuò jīnglǐ de liào.
You're Miss Luo, the manager right? Both talented AND beautiful. One look at you and it's clear you're management material.
B: 楊老闆，你過獎了。請坐。
Yáng lǎobǎn, nǐ guòjiǎng le. qǐng zuò.
Mr. Yang, you're too kind. Please, sit.
A: 您也知道，我們公司這次規模擴大，急需一筆資金。
nín yě zhīdào, wǒmen gōngsī zhècì guīmó kuòdà, jí xū yī bǐ zījīn.
As you know, our company is expanding in scale right now. We're in urgent need of some capital.
B: 哦，你們的公司介紹和申請信我都看過了。
ò, nǐmen de gōngsī jièshào hé shēnqǐng xìn wǒ dōu kàn guò le.
Okay, I've read your company's introduction and application letter.
A: 那就好，您看銀行什麼時候能審批那筆款。
nà jiù hǎo, nín kàn yínháng shénme shíhou néng shěnpī nà bǐ kuǎn.
Well that's good. When do you think the bank can look at and approve the loan?
B: 你先別急。是這樣的，我們銀行在每次放貸前都要做些調查。
nǐ xiān bié jí. shì zhèyàng de, wǒmen yínháng zài měicì fàngdài qián dōu yào zuò xiē diàochá.
Don't be in a hurry. The way it works is: before our bank gives out a loan, we have to do some investigating.
A: 對對對 ，應該的。
duì duì duì , yīnggāi de.
Right, right, right. As you should.
B: 在調查中，我們發現貴公司已經虧損了三年了，而且多次變更經營項目。這次所謂的規模擴大，可能會留下不少的不良資產。
zài diàochá zhōng, wǒmen fāxiàn guì gōngsī yǐjīng kuīsǔn le sān nián le, érqiě duōcì biàngēng jīngyíng xiàngmù. zhècì suǒwèi de guīmó kuòdà, kěnéng huì liúxià bùshǎo de bùliáng zīchǎn.
During our investigation we discovered that your company has already been in the red for three years now and you've changed your business approach many times. This time around, a so-called expansion may leave behind a lot of non-performing assets.
A: 哎呀，生意難做啊。現在人民幣升值，進出口這行的優勢一下子就沒了。所以資金週轉才碰到了點兒小問題。
āiyā, shēngyì nán zuò a. xiànzài rénmínbì shēngzhí, jìnchūkǒu zhè háng de yōushì yīxiàzi jiù méi le. suǒyǐ zījīn zhōuzhuǎn cái pèngdào le diǎnr xiǎowèntí.
Come on, business is rough. The RMB is appreciating right now and the advantages in importing and exporting have disappeared. As far as turning a profit goes, we've just bumped into a few minor problems.
B: 從你們的經營狀況來看，很難申請到這個額度的貸款。你也知道，銀行是要控制風險，控制壞賬率的。
cóng nǐmen de jīngyíng zhuàngkuàng láikàn, hěn nán shēnqǐng dào zhè ge édù de dàikuǎn. nǐ yě zhīdào, yínháng shì yào kòngzhì fēngxiǎn, kòngzhì huàizhànglǜ de.
Looking at your current state of operation, it would be very difficult to successfully apply for a loan of this amount. As you know, the bank must control risks and also bad credit ratings.
A: 我明白，不過希望你們銀行能考慮一下我們新的項目。相信我們這次一定能打個翻身仗。
wǒ míngbai, bùguò xīwàng nǐmen yínháng néng kǎolǜ yīxià wǒmen xīn de xiàngmù. xiāngxìn wǒmen zhècì yīdìng néng dǎ ge fānshēnzhàng.
I understand, but I hope the bank will consider our new endeavor. You can trust that this time, we'll definitely turn things around for the better.
B: 這個 ......
zhè ge ......
Well...
A: 哦，對對對 ，我差點忘 了，這是一點兒小意思，您拿著。您看，這事挺麻煩的，讓您費心了。
ò, duì duì duì , wǒ chàdiǎn wàng le, zhè shì yīdiǎnr5 xiǎoyìsi, nín ná zhe. nín kàn, zhè shì tǐng máfan de, ràng nín fèixīn le.
Oh, right, right, right. I almost forgot. This is a token of my appreciation. Here, take it. You see, this matter has been a lot of trouble and has really been a bother for you.
B: 這樣吧，你們先做個固定資產抵押評估，我們看實際情況再決定吧。
zhèyàng ba, nǐmen xiān zuò ge gùdìng zīchǎn dǐyā pínggū, wǒmen kàn shíjì qíngkuàng zài juédìng ba.
How about this then: you go make a fixed-asset mortgage evaluation. We'll look at the all the facts and then make a decision.
A: 好好好 ，我馬上叫人做！
hǎo hǎo hǎo , wǒ mǎshàng jiào rén zuò!
Good, good, good. I'll have someone start on it right away!
Key Vocabulary
才貌雙全 cáimàoshuāngquán
料 liào
規模 guīmó
擴大 kuòdà
筆 bǐ
資金 zījīn
申請 shēnqǐng
審批 shěnpī
放貸 fàngdài
虧損 kuīsǔn
變更 biàngēng
經營 jīngyíng
項目 xiàngmù
所謂 suǒwèi
不良 bùliáng
資產 zīchǎn
優勢 yōushì
週轉 zhōuzhuǎn
額度 édù
貸款 dàikuǎn
控制 kòngzhì
風險 fēngxiǎn
壞賬率 huàizhànglǜ
打翻身仗 dǎ fānshēnzhàng
費心 fèixīn
抵押 dǐyā
評估 pínggū
Supplementary Vocabulary
透支 tòuzhī
程序 chéngxù
審查 shěnchá
賄賂 huìlù
利息 lìxi
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