- •Рецензенты:
- •Ю.А. Башкатова;
- •А.В. Колегаева
- •Предисловие
- •Lesson 1
- •1.2 Read and translate the text Financial institutions
- •1.3 Answer the questions to the text:
- •1.11 Read the dialogue
- •1.12 Role play. Work in pairs. Make up dialogues of your own.
- •1.13 Translate into English
- •1.14 Fill in the blanks with proper words given below:
- •Correspondent banking relationship
- •1.15 Comprehension questions
- •Lesson 2
- •2.1 Study the following words and phrases:
- •2.2 Read and translate the text Federal Reserve System
- •2.3 Answer the questions to the text:
- •2.8 Choose the correct answer
- •2.9 Choose one phrase that expresses the main idea of the text
- •2.10 Substitution Drill
- •2.11 Read the dialogue
- •2.12 Role play. Work in pairs. Make up dialogues of your own.
- •2.13 Describe the procedures of the Fed and their effect on the economy.
- •2.14 Translate into English
- •Lesson 3
- •3.1 Study the following words and phrases:
- •3.2 Read and translate the text Developments in banking
- •3.3 Answer the questions to the text:
- •3.8 Choose the correct answer
- •3.9 Choose one phrase that expresses the main idea of the text
- •3.10 Substitution drill
- •3.11 Read the dialogue
- •3.12 Role play. Work in pairs. Make up dialogues of your own.
- •3.13 Translate into English
- •3.14 Fill in the blanks with proper words given below:
- •Transferring funds abroad
- •3.15 Comprehension questions
- •Lesson 4
- •Study the following words and phrases:
- •4.2 Read and translate the text Financial management
- •4.3 Answer the questions to the text:
- •4.8 Choose the correct answer
- •4.9 Choose one phrase that expresses the main idea of the text:
- •4.10 Substitution drill
- •4.11 Read the dialogue
- •4.12 Role play. Work in pairs. Make up dialogues of your own.
- •4.13 Fill in the blanks with proper words given below:
- •International movement of currency
- •4.14 Comprehension questions
- •Lesson 5
- •5.1 Study the following words and phrases:
- •5.2 Read and translate the text How funds flow through a business
- •5.3 Answer the questions to the text:
- •5.8 Choose the correct answer
- •5.9 Substitution drill
- •5.10 Read the dialogue
- •5.11 Role play. Work in pairs. Make up dialogues of your own.
- •5.12 Translate into English
- •5.13 Fill in the blanks with proper words given below:
- •Letters of credit
- •5.14 Comprehension questions
- •Lesson 6
- •Study the following words and phrases:
- •6.2 Read and translate the text Starting - up financing
- •6.3 Answer the questions to the text:
- •6.8 Choose one phrase that expresses the main idea of the text
- •6.9 Substitution drill
- •6.10 Read the dialogue
- •6.11 Role play. Work in pairs. Make up dialogues of your own.
- •6.12 Translate into English
- •6.13 Fill in the blanks with proper words given below:
- •Commercial bank lending I
- •6.14 Comprehension questions
- •Lesson 7
- •7.1 Study the following words and phrases:
- •7.2 Read and translate the text Sources of funds I
- •7.3 Answer the questions to the text:
- •7.8 Choose the correct answer
- •7.9 Choose one phrase that expresses the main idea of the text
- •7.10 Substitution drill
- •7.11 Read the dialogue
- •7.12 Role play. Work in pairs. Make up dialogues of your own.
- •7.13 Translate into English
- •7.14 Fill in the blanks with proper words given below:
- •Commercial bank lending II
- •7. 15 Comprehensive questions
- •Lesson 8
- •8.1 Study the following words and phrases:
- •8.2 Read and translate the text Sources of funds II
- •8.3 Answer the questions to the text:
- •8.4 Find the English equivalents to the following phrases in the text:
- •8.5 Make up ten English sentences using words from the active vocabulary of the lesson
- •8.6 Which passage of the text contains information on:
- •8.7 Are these statements true, false, or not mentioned in the text?
- •8.8 Choose the correct answer
- •8.9 Choose one phrase that expresses the main idea of the text
- •8.10 Substitution drill
- •8.11 Read the dialogue
- •8.12 Role play. Work in pairs. Make up dialogues of your own.
- •8.13 Translate into English
- •Lesson 9
- •9.1 Study the following words and phrases:
- •9.2 Read and translate the text Long term financing (common stock, preferred stock)
- •9.3 Answer the questions to the text:
- •9.4 Find the English equivalents to the following phrases in the text:
- •9.10 Read the dialogue
- •9.11 Role play. Work in pairs. Make up dialogues of your own.
- •9.12 Fill in the blanks with proper words given below:
- •Foreign exchange I
- •9.13 Comprehension questions
- •Lesson 10
- •10.1 Study the following words and phrases:
- •10.2 Read and translate the text
- •Investors
- •10.3 Answer the questions to the text:
- •10.10 Read the dialogue
- •10.11 Role play. Work in pairs. Make up dialogues of your own.
- •10.12 Translate into English
- •Bibliography
- •Dictionaries
- •Содержание
- •Демиденко Ксения Анатольевна
- •650992, Г. Кемерово, пр. Кузнецкий, 39. Тел 75-74-16.
5.12 Translate into English
Корпорация может получить средства при помощи займа.
Фирма может купить акции другой компании на свои средства (with funds).
Проблемой для менеджмента компании является использование свободных денежных средств для получения прибыли.
Ипотечная ссуда используется для покупки недвижимости и гарантируется этой недвижимостью до полной выплаты долга.
Близкие деньги – термин, описывающий высоко ликвидные активы, которые можно легко обратить в наличные.
Некоторые владельцы фирм не желают брать кредит и инвестируют в компанию свои собственные средства.
Многие финансовые организации используют в своей деятельности леверадж.
Денежный резерв следует хранить на вашем счету в надёжном банке, на счету пластиковой карты или на вкладе с возможностью снять деньги в любой момент.
Прибыль зависит от ассортимента товаров и услуг, а также от уровня цен.
Владелец выплатит всю сумму по закладной в следующем году.
5.13 Fill in the blanks with proper words given below:
(a) beneficiary |
(d) amended |
(g) company |
(j) through |
(b) called |
(e) confirm |
(h) advise |
|
(c) cancelled |
(f) large |
(i) used |
|
Letters of credit
Letters of credit may be either revocable or irrevocable. The revocable letter of credit carries a risk to the seller. It may be amended or (1) … at any moment without prior notice to the beneficiary. The irrevocable letter of credit can neither be (2) … nor cancelled without agreement of all parties.
A letter of credit may be utilized only by the named (3) ... . Sometimes, though, the importer wants to make the letter of credit transferable to another person or (4) …. The bank then prepares a transferable letter of credit addressed to the beneficiary “and/or transferee”.
The revolving letter of credit is (5) … when a series of identical transactions is made over a fixed period of time.
Sometimes a customer may want a bank to issue a traveller’s letter of credit, which is also (6) … a circular letter of credit. It provides a traveller with access to (7) … sums as he makes a trip.
Many foreign banks are not well known internationally. Because of this, a foreign bank usually sends its letters of credit (8) … a United States bank and asks the United States bank to (9) … and (10) … them. This results in advised letters of credit and confirmed letters of credit.
Words and expressions
either ... or |
- либо ..., либо |
revocable (adj) |
- отменяемый |
irrevocable (adj) |
- неотменяемый |
to carry a risk |
- содержать элемент риска |
to amend (v) |
- изменять, вносить поправки |
to cancel (v) |
- отменять, отзывать |
prior (adj) |
- предшествующий, предварительный |
neither... nor |
- ни ..., ни |
beneficiary (n) |
- пользующийся привилегиями |
to utilize (v) |
- использовать |
transferable (adj) |
- переводной, переводимый |
transferee (n) |
- тот, кому переводят |
to revolve (v) |
- вращаться, обращаться |
identical (adj) |
- сходный, идентичный |
fixed (adj) |
- фиксированный, установленный |
to issue (v) |
- выпускать, оформлять |
circular (adj) |
- круговой, возвратный |
access (n) |
- доступ |
through (prep) |
- через, сквозь |
to advise (v) |
- здесь: извещать, предупреждать, |
to confirm (v) |
- подтверждать |