＜Upper-Intermediate＞ Lesson No.18
Resolving Payment Delays Due to Trade Finance Document Discrepancies / 貿易金融の書類不備による決済遅延対応
０．Greetings & Ice-break (2min.)｜挨拶と導入
0-1 Greetings
Let’s practice a short small talk that you can use to greet a business partner and start building a good relationship.
講師との挨拶を兼ねて、ビジネスパートナーと信頼関係を築くための短いスモールトークを練習してみましょう。
[Tips / 会話のヒント]
・Can you hear me clearly?
私の声はクリアに聞こえますか？
・How's your day going so far?
今日はどんな一日でしたか？
・Talk about one small topic (Work, Weather, News, Hometown, Sports event, etc.)
軽い話題について話しましょう（仕事、天気、ニュース、地元、スポーツイベントなど）
0-2 Introduction
In today’s lesson, we’ll learn about the following situation. Have you ever experienced something similar?
本日のレッスンでは以下のようなシチュエーションについて学びます。同様のシチュエーションを経験したことがありますか？
- If you have experience, please tell us what it was like, what was difficult, or what you learned.
経験があれば、どんな内容だったか、難しかったことや学んだことなどを教えて下さい。
- If you don’t have experience, try to imagine yourself handling that situation in English.
What do you think would be challenging?
経験がなければ、英語でその状況に対応しているところを想像してみましょう。どんなことが難しそうですか？
Situation / シチュエーション
Document discrepancies in letters of credit or collections delay payment settlement, requiring coordination with overseas counterparts and banks for swift document correction.
信用状やコレクションでの書類不備により決済遅延が発生し、海外取引相手や銀行との間で書類修正調整を行い迅速な決済実現が必要な場面です。
1. Read (2 min)｜型を学ぶ
Let's read the following key sentences aloud!
下記の文章や単語を順番に音読しましょう！
1-1 Basic phrases
１．I appreciate your prompt...（迅速な...に感謝する）
２．Let me clarify the situation...（状況を明確にする）
３．I will coordinate with...（...と調整する）
４．May I submit a signed statement...（署名入り声明書を提出してもよいか）
５．This document can demonstrate...（この書類で...を実証できる）
６．I estimate we can submit...（...を提出できると見積もる）
７．I will doublecheck every detail before...（...の前にすべての詳細を再確認する）
1-2 Essential words
１．detect（検出する）
２．discrepancy（不一致）
３．clarify（明確にする）
４．coordinate（調整する）
５．accelerate（加速させる）
６．validate（証明する）
７．demonstrate（実証する）
８．expedite（迅速化する）
９．estimate（見積もる）
１０．doublecheck（再確認する）
2. Try (3 min)｜ロールプレイ練習
Let’s practice the role-play.
ロールプレイの練習をしましょう！
Situation / シチュエーション（Reference again）
Document discrepancies in letters of credit or collections delay payment settlement, requiring coordination with overseas counterparts and banks for swift document correction.
信用状やコレクションでの書類不備により決済遅延が発生し、海外取引相手や銀行との間で書類修正調整を行い迅速な決済実現が必要な場面です。
👨💼【Teacher / Bank Officer】:
Thank you for coming in today. We detected a discrepancy in your Letter of Credit documents. The invoice amount does not match the L/C terms, and the Bill of Lading shows an incorrect consignee name.
（本日はお越しいただきありがとうございます。信用状の書類に不一致を検出しました。インボイス金額がL/C条件と合致せず、船荷証券の荷受人名が誤っています。）
🧑🎓【Student / Trade Administration Staff】:
I appreciate your prompt notification. Let me clarify the situation. First, the invoice amount includes a 2 percent price reduction we agreed with the buyer last week. Second, the consignee name follows the amendment we submitted on March 15th.
（迅速なご連絡に感謝いたします。状況を明確にさせてください。第一に、インボイス金額には先週買主と合意した2パーセントの値引きが含まれています。第二に、荷受人名は3月15日に提出した修正条件に従っています。）
👨💼【Teacher / Bank Officer】:
I understand your explanation, but we have not received the amendment you mentioned. Without the amended L/C in our system, we cannot proceed with the payment. This delay will trigger penalty fees from the issuing bank.
（ご説明は理解しましたが、おっしゃる修正条件を当行は受領しておりません。システムに修正済みL/Cがない限り、決済を進めることができません。この遅延により開設銀行から違約金が発生します。）
🧑🎓【Student / Trade Administration Staff】:
I apologize for the confusion. I will coordinate with the issuing bank immediately to accelerate the amendment process. Meanwhile, may I submit a signed statement from our buyer to validate the price reduction? This document can demonstrate the legitimacy of the invoice amount.
（混乱を招き申し訳ございません。直ちに開設銀行と調整し、修正手続きを加速させます。その間、価格引き下げを証明するため、買主からの署名入り声明書を提出してもよろしいでしょうか。この書類でインボイス金額の正当性を実証できます。）
👨💼【Teacher / Bank Officer】:
A signed statement would help, but it must be countersigned by the issuing bank to be valid. Also, we need the corrected Bill of Lading with the proper consignee name. Can you obtain these documents within 2 business days?
（署名入り声明書は助けになりますが、有効とするには開設銀行の副署が必要です。また、正しい荷受人名が記載された訂正済み船荷証券も必要です。これらの書類を営業日2日以内に入手できますか。）
🧑🎓【Student / Trade Administration Staff】:
Understood. I will collaborate with both the issuing bank and the shipping company to expedite the documentation. I estimate we can submit the countersigned statement and the corrected B/L by tomorrow afternoon. This will minimize the impact on our cash flow.
（承知しました。開設銀行と船会社の両方と協力し、書類作成を迅速化します。副署入り声明書と訂正済み船荷証券を明日午後までに提出できると見積もっています。これにより資金繰りへの影響を最小限に抑えられます。）
👨💼【Teacher / Bank Officer】:
That timeline works for us. Please make sure all documents are consistent with the amended L/C terms. Once we validate everything, we can proceed with the payment and avoid further penalties.
（そのスケジュールで問題ありません。すべての書類が修正済みL/C条件と一致していることを確認してください。すべてを検証できれば、決済を進め、さらなる違約金を回避できます。）
🧑🎓【Student / Trade Administration Staff】:
I will doublecheck every detail before submission. I will also coordinate with our counterpart to prevent similar discrepancies in future transactions. Thank you for your cooperation in resolving this matter.
（提出前にすべての詳細を再確認いたします。また、今後の取引で同様の不一致を防ぐため、取引相手と調整いたします。この件の解決にご協力いただきありがとうございます。）
👨💼【Teacher / Bank Officer】:
I appreciate your commitment to accuracy. We count on receiving the corrected documents by tomorrow. If you encounter any obstacles, please contact me immediately so we can assist you.
（正確性へのご尽力に感謝します。明日までに訂正済み書類を受領できることを期待しています。何か障害に遭遇した場合は、直ちにご連絡ください。お手伝いいたします。）
3. Use (4 min)｜ロールプレイ & 実践（空欄補完）
Let's perform the role-play and fill in the blanks by translating the Japanese into English!
空欄の日本語を英語に訳しながら、ロールプレイを実践してみましょう！
Situation / シチュエーション（Reference again）
Document discrepancies in letters of credit or collections delay payment settlement, requiring coordination with overseas counterparts and banks for swift document correction.
信用状やコレクションでの書類不備により決済遅延が発生し、海外取引相手や銀行との間で書類修正調整を行い迅速な決済実現が必要な場面です。
👨💼【Teacher / Bank Officer】:
Thank you for coming in today. We detected a discrepancy in your Letter of Credit documents. The invoice amount does not match the L/C terms, and the Bill of Lading shows an incorrect consignee name.
🧑🎓【Student / Trade Administration Staff】:
I appreciate your prompt notification. Let me ［明確にする］ the situation. First, the invoice amount includes a 2 percent price reduction we agreed with the buyer last week. Second, the consignee name follows the amendment we submitted on March 15th.
👨💼【Teacher / Bank Officer】:
I understand your explanation, but we have not received the amendment you mentioned. Without the amended L/C in our system, we cannot proceed with the payment. This delay will trigger penalty fees from the issuing bank.
🧑🎓【Student / Trade Administration Staff】:
I apologize for the confusion. I will ［調整する］ with the issuing bank immediately to ［加速させる］ the amendment process. Meanwhile, may I submit a signed statement from our buyer to ［証明する］ the price reduction? This document can ［実証できる］ the legitimacy of the invoice amount.
👨💼【Teacher / Bank Officer】:
A signed statement would help, but it must be countersigned by the issuing bank to be valid. Also, we need the corrected Bill of Lading with the proper consignee name. Can you obtain these documents within 2 business days?
🧑🎓【Student / Trade Administration Staff】:
Understood. I will collaborate with both the issuing bank and the shipping company to ［迅速化する］ the documentation. I ［見積もる］ we can submit the countersigned statement and the corrected B/L by tomorrow afternoon. This will minimize the impact on our cash flow.
👨💼【Teacher / Bank Officer】:
That timeline works for us. Please make sure all documents are consistent with the amended L/C terms. Once we validate everything, we can proceed with the payment and avoid further penalties.
🧑🎓【Student / Trade Administration Staff】:
I will ［再確認する］ every detail before submission. I will also ［調整する］ with our counterpart to prevent similar ［不一致］ in future transactions. Thank you for your cooperation in resolving this matter.
👨💼【Teacher / Bank Officer】:
I appreciate your commitment to accuracy. We count on receiving the corrected documents by tomorrow. If you encounter any obstacles, please contact me immediately so we can assist you.
4. Challenge (7 min)｜応用実践
Let's perform the role-play and fill in the blanks by translating the Japanese into English!
空欄の日本語を英語に訳しながら、ロールプレイを実践してみましょう！
*Let's practice this part repeatedly until we can speak it smoothly.
このパートはスムーズにスピーキングできるようになるまで繰り返し練習しましょう。
Situation / シチュエーション（Reference again）
Document discrepancies in letters of credit or collections delay payment settlement, requiring coordination with overseas counterparts and banks for swift document correction.
信用状やコレクションでの書類不備により決済遅延が発生し、海外取引相手や銀行との間で書類修正調整を行い迅速な決済実現が必要な場面です。
👨💼【Teacher / Bank Officer】:
Thank you for coming in today. We detected a discrepancy in your Letter of Credit documents. The invoice amount does not match the L/C terms, and the Bill of Lading shows an incorrect consignee name.
🧑🎓【Student / Trade Administration Staff】:
［迅速なご連絡に感謝いたします。］ ［状況を明確にさせてください。］ First, the invoice amount includes a 2 percent price reduction we agreed with the buyer last week. Second, the consignee name follows the amendment we submitted on March 15th.
👨💼【Teacher / Bank Officer】:
I understand your explanation, but we have not received the amendment you mentioned. Without the amended L/C in our system, we cannot proceed with the payment. This delay will trigger penalty fees from the issuing bank.
🧑🎓【Student / Trade Administration Staff】:
I apologize for the confusion. ［直ちに開設銀行と調整し、修正手続きを加速させます。］ Meanwhile, may I submit a signed statement from our buyer to validate the price reduction? This document can demonstrate the legitimacy of the invoice amount.
👨💼【Teacher / Bank Officer】:
A signed statement would help, but it must be countersigned by the issuing bank to be valid. Also, we need the corrected Bill of Lading with the proper consignee name. Can you obtain these documents within 2 business days?
🧑🎓【Student / Trade Administration Staff】:
Understood. I will collaborate with both the issuing bank and the shipping company to expedite the documentation. ［副署入り声明書と訂正済み船荷証券を明日午後までに提出できると見積もっています。］ This will minimize the impact on our cash flow.
👨💼【Teacher / Bank Officer】:
That timeline works for us. Please make sure all documents are consistent with the amended L/C terms. Once we validate everything, we can proceed with the payment and avoid further penalties.
🧑🎓【Student / Trade Administration Staff】:
I will doublecheck every detail before submission. I will also coordinate with our counterpart to prevent similar discrepancies in future transactions. Thank you for your cooperation in resolving this matter.
👨💼【Teacher / Bank Officer】:
I appreciate your commitment to accuracy. We count on receiving the corrected documents by tomorrow. If you encounter any obstacles, please contact me immediately so we can assist you.
\ If you have some extra capacity, give it a try（余力があればやってみましょう）/
5. Real-world application (5 min)｜実務応用
Let's speak freely with the phrases and flow we learned today. If you can, imagine your real job—it makes practice more effective.
本日学習した単語やフレーズ、会話の流れを思い出しながら、自由に話してみましょう。可能であれば、自身の実務を想像しながら話すと効果的です。
Situation / シチュエーション
The bank has detected discrepancies in your L/C documents and payment is delayed.
You need to coordinate with the issuing bank and shipping company to submit corrected documents within 2 business days.
銀行があなたのL/C書類に不一致を検出し、決済が遅延しています。
開設銀行と船会社と調整し、営業日2日以内に訂正済み書類を提出する必要があります。
👨💼【Teacher / Bank Officer】:
We need the corrected documents to proceed with payment. Can you explain your plan to resolve the discrepancies and minimize the delay?
（決済を進めるには訂正済み書類が必要です。不一致を解決し遅延を最小限に抑える計画を説明していただけますか。）
🧑🎓【Student / Your Role】:
(Free Speaking based on today's lesson)
Hints / ヒント
１． Clarify the cause of discrepancies
２． Coordinate with relevant parties
３． Expedite the correction process
４． Estimate the submission timeline
※This is not a role-play. Please speak until you finish your thoughts.
このパートはロールプレイ形式ではありません。最後まで通して話してみましょう。
6. Wrap-up (2 min) ｜レッスンの振り返り
Let's review today's lesson with your teacher!
今日のレッスンについて講師と振り返ってみましょう！
6-1 Comments from student
・Good points / 良かったところ・上手くできたところ
・Things to work on / 今後強化したいところ
6-2 Feedback from teacher
・Good points / 良かった点
・Things to work on / 今後の強化ポイント
・What to review / 復習ポイント
*6-3 Questions from student (if any)
Japanese translation（日本語訳）
1. Read (2min)（型を学ぶ）｜基本フレーズ
2. Try (4min)（ロールプレイ練習）｜型を使った練習
Let’s practice the role-play.
ロールプレイの練習をしましょう！
3. Use (7min)｜応用
Let’s perform the role-play and filling in the missing English!
英語を補完しながら、ロールプレイを実践してみましょう！
4. Challenge (7min)｜実践
Let’s perform the role-play and filling in the missing English!
英語を補完しながら、ロールプレイを実践してみましょう！
5. Wrap-up (3min) – レッスンの振り返り
"Let’s review today’s lesson with your teacher!”
「今日のレッスンについて講師と振り返ってみましょう！」
5-1. Comments from Student
- Good points / 良かったところ・上手くできたところ
- Things to work on / 今後強化したいところ
5-2. Feedback from Teacher
- Good points / 良かった点
- Things to work on / 今後の強化ポイント
- What to review / 復習ポイント
5-3. Question from Students (If any)