無法冒風險
Dear Ms. Beaufort,
致波弗特女士：
Thank you for looking to Bank of the East to assist you in advancing your business venture.
advance(v.)發展
However, after a thorough review of your loan request, we are sorry to inform you that we are unable to approve your request at this time.
感謝您致函東方銀行讓我們協助您拓展事業。
review(n.)審核
You applied for a business loan from our bank on January 18 for an amount of NT$2 million, putting up your business savings account as collateral.
不過，經過仔細審核您的申請後，很遺憾通知您本行無法核准這次的申請。
put up sth. as=以…作為抵押
The denial of your business loan was based on the following reasons:
您於1月18日向本行申請台幣200萬元的商業貸款，並以公司活期存款作為抵押。
1. You have a credit score of 700. In other circumstances, this can be seen as good credit.
基於下列原因，您的貸款申請不予通過：
be seen as=被視為
Unfortunately, our bank does not accept large loan requests from individuals with a credit score lower than 720.
1. 您的信用評分為700，這在其他情況下可被視為良好的評分，
2. Despite the current upward trajectory of your business, there is no guarantee that your second branch would yield the profits you mentioned.
但本行不接受評分低於720的人士申請高額貸款。
upward trajectory=上升there is no guarantee that=不保證…yield(v.)產出
Our terms for lending do not allow taking risks with this level of uncertainty.
2. 儘管店內生意蒸蒸日上，但這並不代表分店能賺得您所提及的利潤金額。
uncertainty(n.)不確定性
Please do not be discouraged by this instance of loan denial.
由於不確定性很高，按本行貸款規定，我們無法冒這個風險。
discouraged(adj.)洩氣的;垂頭喪氣的;心灰意冷的
The following are steps you can take to secure a loan with us next time:
請別因為這次被否決而卻步，
secure(v.)設法得到
1. Apply for a smaller loan.
您下次可透過下列步驟爭取貸款：
2. Improve your credit score.
On behalf of Bank of the East, I thank you for putting your trust in us. We hope to serve you again in the future.
1. 申請小額貸款
on behalf of=代表…
Sincerely,
2. 提高信用評分
Samantha Wilder
本人僅代表東方銀行感謝您對本行的信賴，希望未來能再為您提供服務。
Loan Officer
Bank of the East
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