禮節(jié)美語:Lesson 172 Taking out a load 2

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三角洲通訊公司老板John Smith到銀行申請貸款，接待他的是銀行負(fù)責(zé)人Ted Johnson。 Johnson抱怨最近兩年經(jīng)濟(jì)危機(jī)，貸款很難做，經(jīng)常會迫不得已走法律程序，追繳貸款。

T: I do sympathize with people's difficulties. But if I don't foreclose on mortgages or call in bad loans. I'll go bankrupt, too!

J: Yep...that's just how it goes.

T: So John, you mentioned in your email that you're thinking about taking out a loan.

J: Yes. You see, my company has been expanding quite rapidly and I'd like to construct a new warehouse.

Ted 說，他很同情大家的困難，但是如果他不去沒收貸款抵押的財(cái)產(chǎn)權(quán)，不清理呆帳，自己就會破產(chǎn)。上面說的foreclose is spelled f-o-r-e-c-l-o-s-e, foreclose，是銀行沒收抵押產(chǎn)權(quán)的意思，to call in，意思是收回，bad loan，指無力償還的呆賬。倆人的對話接下來切入主題。John因?yàn)楣緮U(kuò)大規(guī)模，打算加蓋一個倉庫，所以需要貸款。

T: Well, you came to the right bank. We have a long tradition of supporting young entrepreneurs like yourself. What kind of figure are we looking at here?

J: I think 200,000 dollars is the estimate for construction costs.

T: Well, that shouldn't be a problem. Your company is worth a lot more than that amount.

Ted 說，他們銀行一貫支持象史密斯這樣的年輕創(chuàng)業(yè)者，entrepreneur is spelled e-n-t-r-e-p-r-e-n-e-u-r, entrepreneur，是企業(yè)家的意思。John Smith說，工程費(fèi)大約需要二十萬。Ted覺得，that shouldn't be a problem，應(yīng)該沒問題，因?yàn)槭访芩构镜膬r(jià)值要遠(yuǎn)遠(yuǎn)超過這個數(shù)字。

J: Yes, but because we're a public company with shareholders, it's hard to get proposals passed. I was thinking of taking out a personal loan.

T: Ah...a personal loan. That is a bit more complicated. Can I ask what kind of collateral you could offer?

J: Well, I have my personal stock in the company and our family has a yacht as well.

T: Sounds like that should cover it. I'll need you to bring in the original deeds and certificates.

J: Sure. I can stop by on Friday.

原來，John的公司是上市公司，a public company, 讓股東們通過提案太麻煩，所以他希望以個人身份貸款，to take out a personal loan. 個人貸款需要collateral is spelled c-o-l-l-a-t-e-r-a-l collateral，抵押物品。John說自己手里有公司股份，還有一艘私人游艇，yacht, y-a-c-h-t yacht. Ted覺得這些就夠了，讓John把產(chǎn)權(quán)證拿來, deed is spelled d-e-e-d deed，是產(chǎn)權(quán)、所有權(quán)證書的意思。