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A:
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您就是罗经理吧。才貌双全，一看就是做经理的料。
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nín jiùshì Luó jīnglǐ ba. cáimàoshuāngquán, yī kàn jiùshì zuò jīnglǐ de liào.
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You're Miss Luo, the manager right? Both talented AND beautiful. One look at you and it's clear you're management material.
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B:
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杨老板，你过奖了。请坐。
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Yáng lǎobǎn, nǐ guòjiǎng le. qǐng zuò.
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Mr. Yang, you're too kind. Please, sit.
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A:
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您也知道，我们公司这次规模扩大，急需一笔资金。
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nín yě zhīdào, wǒmen gōngsī zhècì guīmó kuòdà, jí xū yī bǐ zījīn.
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As you know, our company is expanding in scale right now. We're in urgent need of some capital.
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B:
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哦，你们的公司介绍和申请信我都看过了。
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ò, nǐmen de gōngsī jièshào hé shēnqǐng xìn wǒ dōu kàn guò le.
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Okay, I've read your company's introduction and application letter.
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A:
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那就好，您看银行什么时候能审批那笔款。
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nà jiù hǎo, nín kàn yínháng shénme shíhou néng shěnpī nà bǐ kuǎn.
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Well that's good. When do you think the bank can look at and approve the loan?
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B:
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你先别急。是这样的，我们银行在每次放贷前都要做些调查。
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nǐ xiān bié jí. shì zhèyàng de, wǒmen yínháng zài měicì fàngdài qián dōu yào zuò xiē diàochá.
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Don't be in a hurry. The way it works is: before our bank gives out a loan, we have to do some investigating.
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A:
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对对对 ，应该的。
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duì duì duì , yīnggāi de.
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Right, right, right. As you should.
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B:
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在调查中，我们发现贵公司已经亏损了三年了，而且多次变更经营项目。这次所谓的规模扩大，可能会留下不少的不良资产。
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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.
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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.
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A:
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哎呀，生意难做啊。现在人民币升值，进出口这行的优势一下子就没了。所以资金周转才碰到了点儿小问题。
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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.
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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.
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B:
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从你们的经营状况来看，很难申请到这个额度的贷款。你也知道，银行是要控制风险，控制坏账率的。
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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.
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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.
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A:
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我明白，不过希望你们银行能考虑一下我们新的项目。相信我们这次一定能打个翻身仗。
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wǒ míngbai, bùguò xīwàng nǐmen yínháng néng kǎolǜ yīxià wǒmen xīn de xiàngmù. xiāngxìn wǒmen zhècì yīdìng néng dǎ ge fānshēnzhàng.
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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.
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B:
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这个 ......
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zhè ge ......
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Well...
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A:
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哦，对对对 ，我差点忘 了，这是一点儿小意思，您拿着。您看，这事挺麻烦的，让您费心了。
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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.
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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.
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B:
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这样吧，你们先做个固定资产抵押评估，我们看实际情况再决定吧。
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zhèyàng ba, nǐmen xiān zuò ge gùdìng zīchǎn dǐyā pínggū, wǒmen kàn shíjì qíngkuàng zài juédìng ba.
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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.
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A:
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好好好 ，我马上叫人做！
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hǎo hǎo hǎo , wǒ mǎshàng jiào rén zuò!
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Good, good, good. I'll have someone start on it right away!
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