＜Elementary＞ Lesson No.14
Sales Finance Contract Negotiation with Overseas Financial Institution / 海外金融機関との販売金融契約交渉
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
Partnership agreements for auto financing are negotiated with local financial institutions, discussing interest rates, screening criteria, and risk sharing to facilitate customer purchases.
海外市場での販売促進のため現地金融機関と販売金融の提携契約を交渉し、顧客の購入環境を整備する場面です。
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．Let me explain our proposal...（提案内容を説明させてください...）
２．We designed this structure to...（この構造を...できるように設計しました）
３．We can offer flexible options...（柔軟な選択肢を提示できます...）
４．We will reduce the rate by...（金利を...引き下げます）
５．We understand it takes time to...（...には時間がかかることは理解しております）
６．We will gradually increase the number based on...（...に基づいて徐々に件数を増やします）
７．This approach reduces the risk for...（このアプローチは...のリスクを軽減します）
1-2 Essential words
１．explain（説明する）
２．share（共有する）
３．reduce（削減する）
４．gradually（徐々に）
５．handle（処理する）
６．cover（カバーする）
７．avoid（回避する）
８．detailed（詳細な）
９．flexible（柔軟な）
１０．reasonable（妥当な）
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）
Partnership agreements for auto financing are negotiated with local financial institutions, discussing interest rates, screening criteria, and risk sharing to facilitate customer purchases.
海外市場での販売促進のため現地金融機関と販売金融の提携契約を交渉し、顧客の購入環境を整備する場面です。
👨💼【Teacher / Bank Partnership Manager】:
Thank you for meeting with us today. We received your proposal for the auto loan partnership. However, the interest rate you suggested seems higher than our current standard. Could you explain the reason behind this rate?
（本日はお時間をいただきありがとうございます。オートローン提携のご提案を拝見しました。しかし、ご提案の金利は当行の現行基準より高いように思われます。この金利設定の理由をご説明いただけますか？）
🧑🎓【Student / Overseas Sales Manager】:
I understand your concern. Let me explain our proposal in detail. First, this rate includes the cost of credit risk assessment for overseas customers. Second, it covers the administrative cost of handling multi-currency transactions. Third, we designed this structure to share the risk equally between both sides.
（ご懸念は理解しております。提案内容を詳しくご説明させてください。第一に、この金利には海外顧客向けの信用リスク評価コストが含まれています。第二に、多通貨取引を処理する事務コストをカバーしています。第三に、両者間でリスクを平等に分担できるようこの構造を設計しました。）
👨💼【Teacher / Bank Partnership Manager】:
I see your point about the risk sharing. However, our management expects a more competitive rate to increase the number of approved loans. Can you offer any flexibility on this?
（リスク分担についてのお考えは分かりました。しかし、当行の経営陣は承認件数を増やすため、より競争力のある金利を期待しています。この点で柔軟性を持たせることは可能でしょうか？）
🧑🎓【Student / Overseas Sales Manager】:
Yes, we can offer flexible options. If your bank agrees to a 3-year contract with a minimum of 500 loans per year, we will reduce the rate by 0.5 percent. We can also provide additional support for the credit check process to speed up approval time.
（はい、柔軟な選択肢を提示できます。貴行が年間最低500件のローンを伴う3年契約に合意いただければ、金利を0.5パーセント引き下げます。また、承認時間を早めるため、信用審査プロセスに追加サポートを提供することも可能です。）
👨💼【Teacher / Bank Partnership Manager】:
The volume commitment is quite high for us. What happens if we cannot meet the 500 loans target in the first year?
（その件数目標は当行にとってかなり高い水準です。初年度に500件の目標を達成できなかった場合はどうなりますか？）
🧑🎓【Student / Overseas Sales Manager】:
We understand it takes time to build up the business. For the first year, we can set a lower target of 300 loans. After that, we will gradually increase the number based on actual performance. This approach reduces the risk for both sides and helps us work together for long-term success.
（ビジネスを構築するには時間がかかることは理解しております。初年度は300件という低めの目標を設定できます。その後、実績に基づいて徐々に件数を増やしていきます。このアプローチは両者のリスクを軽減し、長期的な成功に向けて協力する助けとなります。）
👨💼【Teacher / Bank Partnership Manager】:
That sounds more reasonable. One more question — how will you handle the currency exchange risk in the loan repayment process?
（それはより妥当に思えます。もう一つ質問があります。ローン返済プロセスにおける為替リスクはどのように処理されますか？）
🧑🎓【Student / Overseas Sales Manager】:
We will use a fixed exchange rate at the time of contract signing for each loan. This rate will be locked for the entire repayment period. Any exchange rate change will be covered by our company, not by your bank or the customer. This keeps the process simple and avoids future disputes.
（各ローンについて、契約締結時の固定為替レートを使用します。このレートは返済期間全体を通じて固定されます。為替レートの変動は当社が負担し、貴行や顧客には影響しません。これによりプロセスがシンプルになり、将来の紛争を回避できます。）
👨💼【Teacher / Bank Partnership Manager】:
I appreciate your detailed explanation and the flexible approach. Let me share this proposal with our management team. I will get back to you by the end of next week with our decision.
（詳細なご説明と柔軟なアプローチに感謝いたします。この提案を当行の経営陣と共有させてください。来週末までに当行の決定をお伝えいたします。）
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）
Partnership agreements for auto financing are negotiated with local financial institutions, discussing interest rates, screening criteria, and risk sharing to facilitate customer purchases.
海外市場での販売促進のため現地金融機関と販売金融の提携契約を交渉し、顧客の購入環境を整備する場面です。
👨💼【Teacher / Bank Partnership Manager】:
Thank you for meeting with us today. We received your proposal for the auto loan partnership. However, the interest rate you suggested seems higher than our current standard. Could you explain the reason behind this rate?
🧑🎓【Student / Overseas Sales Manager】:
I understand your concern. Let me ［説明する］ our proposal in detail. First, this rate includes the cost of credit risk assessment for overseas customers. Second, it ［カバーする］ the administrative cost of handling multi-currency transactions. Third, we designed this structure to ［共有する］ the risk equally between both sides.
👨💼【Teacher / Bank Partnership Manager】:
I see your point about the risk sharing. However, our management expects a more competitive rate to increase the number of approved loans. Can you offer any flexibility on this?
🧑🎓【Student / Overseas Sales Manager】:
Yes, we can offer ［柔軟な］ options. If your bank agrees to a 3-year contract with a minimum of 500 loans per year, we will ［削減する］ the rate by 0.5 percent. We can also provide additional support for the credit check process to speed up approval time.
👨💼【Teacher / Bank Partnership Manager】:
The volume commitment is quite high for us. What happens if we cannot meet the 500 loans target in the first year?
🧑🎓【Student / Overseas Sales Manager】:
We understand it takes time to build up the business. For the first year, we can set a lower target of 300 loans. After that, we will ［徐々に］ increase the number based on actual performance. This approach reduces the risk for both sides and helps us work together for long-term success.
👨💼【Teacher / Bank Partnership Manager】:
That sounds more reasonable. One more question — how will you handle the currency exchange risk in the loan repayment process?
🧑🎓【Student / Overseas Sales Manager】:
We will use a fixed exchange rate at the time of contract signing for each loan. This rate will be locked for the entire repayment period. Any exchange rate change will be ［カバーする］ by our company, not by your bank or the customer. This keeps the process simple and ［回避する］ future disputes.
👨💼【Teacher / Bank Partnership Manager】:
I appreciate your detailed explanation and the flexible approach. Let me share this proposal with our management team. I will get back to you by the end of next week with our decision.
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）
Partnership agreements for auto financing are negotiated with local financial institutions, discussing interest rates, screening criteria, and risk sharing to facilitate customer purchases.
海外市場での販売促進のため現地金融機関と販売金融の提携契約を交渉し、顧客の購入環境を整備する場面です。
👨💼【Teacher / Bank Partnership Manager】:
Thank you for meeting with us today. We received your proposal for the auto loan partnership. However, the interest rate you suggested seems higher than our current standard. Could you explain the reason behind this rate?
🧑🎓【Student / Overseas Sales Manager】:
I understand your concern. ［提案内容を詳しくご説明させてください。］ First, this rate includes the cost of credit risk assessment for overseas customers. Second, it covers the administrative cost of handling multi-currency transactions. ［両者間でリスクを平等に分担できるようこの構造を設計しました。］
👨💼【Teacher / Bank Partnership Manager】:
I see your point about the risk sharing. However, our management expects a more competitive rate to increase the number of approved loans. Can you offer any flexibility on this?
🧑🎓【Student / Overseas Sales Manager】:
Yes, ［柔軟な選択肢を提示できます。］ If your bank agrees to a 3-year contract with a minimum of 500 loans per year, we will reduce the rate by 0.5 percent. We can also provide additional support for the credit check process to speed up approval time.
👨💼【Teacher / Bank Partnership Manager】:
The volume commitment is quite high for us. What happens if we cannot meet the 500 loans target in the first year?
🧑🎓【Student / Overseas Sales Manager】:
We understand it takes time to build up the business. For the first year, we can set a lower target of 300 loans. After that, ［実績に基づいて徐々に件数を増やしていきます。］ This approach reduces the risk for both sides and helps us work together for long-term success.
👨💼【Teacher / Bank Partnership Manager】:
That sounds more reasonable. One more question — how will you handle the currency exchange risk in the loan repayment process?
🧑🎓【Student / Overseas Sales Manager】:
We will use a fixed exchange rate at the time of contract signing for each loan. This rate will be locked for the entire repayment period. Any exchange rate change will be covered by our company, not by your bank or the customer. This keeps the process simple and avoids future disputes.
👨💼【Teacher / Bank Partnership Manager】:
I appreciate your detailed explanation and the flexible approach. Let me share this proposal with our management team. I will get back to you by the end of next week with our decision.
\ 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
You are negotiating an auto loan partnership with a local financial institution in an overseas market.
The bank has concerns about the interest rate and loan volume commitment in your proposal.
海外市場の現地金融機関とオートローン提携を交渉しています。
銀行側は提案の金利と融資件数目標について懸念を持っています。
👨💼【Teacher / Bank Partnership Manager】:
I would like to understand your proposal better. Could you explain the key points of your partnership structure and how it benefits both sides?
（提案内容をより深く理解したいと思います。提携構造の要点と、それが双方にどのような利益をもたらすかご説明いただけますか？）
🧑🎓【Student / Your Role】:
(Free Speaking based on today's lesson)
Hints / ヒント
１．Explain the rate structure in detail（金利構造を詳しく説明する）
２．Offer flexible contract terms（柔軟な契約条件を提示する）
３．Describe the gradual volume increase plan（段階的な件数増加計画を述べる）
４．Clarify the risk sharing approach（リスク分担方法を明確にする）
※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)