Деловое общение (Английский язык). Учебное пособие

Have you got any large sums to deposit? We can open a current account…

I'd advise you in your case to take an account… Can I take out money whenever I like?

We normally advise students to open deposit accounts. Can I receive money directly from abroad?

Can I withdraw at a branch office? It may be convenient…

Could you change dollars into English pounds sterling. I'll just check the exchange rates.

How much would you like to change? What rate can you offer for… Change 1000 $, please.

How would you like the money?

Give it to me in hundred pound notes, please.

II. Read the conversations and then role play them.

1. Opening an Account

Here is a specimen talk in a Swiss bank:

Cashier: Well, we can open a current account with a cheque book for you as long as the initial sum is at least three thousand francs. But I'd advise you in your case to take an account that gives you more interest, and which is more practical. We normally advise students to open deposit accounts.

Man: Can I take out money whenever I like?

91

Cashier: Yes. There are two or three types of account. They permit you to withdraw up to ten thousand francs a month.

Man: Can I receive money directly from abroad? Cashier: Certainly.

Man: And can I withdraw at a branch office?

Cashier: Certainly, though it may be more convenient to open your account in our branch near the University.

Man: No, I live quite near here. Do you need a passport?

Cashier: Yes.

Man: I'm afraid I haven't got it on me. Will my student card do? Cashier: No, I'm afraid not.

Man: I'll come back later, then. Cashier: Very good, sir.

Note: The initial sum necessary in order to have a cheque book varies from country to country and from bank to bank.

2. Changing Money Over the Counter

Selling and buying foreign currency for local currency is usually carried out in our country at bureaux de change, which are also referred to as exchange bureaux, exchange offices, or sometimes simply exchange.

In foreign countries the trade in money with customers is usually carried out at bureaux de change, at the bank counters or travel agents' offices.

The exchange rates for various currencies are determined by market forces and they change every day. The exchange rates for currencies sold and bought in bureaux de change, over the bank counters or travel agents, are only valid regionally. For amounts in excess of a certain sum sometimes special exchange rate is set.

Here is one of many dialogues that take place in a bureaux de change in New York:

Customer: Could you change dollars into English pounds sterling?

Cashier: Certainly, sir. I'll just check the exchange rates. How much would you like to change?

Customer: One thousand dollars. And what is the rate of exchange today?

Cashier: One dollar to one pound fifty five pence.

92

Customer: And what rate can you offer for two thousand dollars.

Cashier: One dollar to one pound ninety pence.

Customer: Oh, the difference is not very big. Change one thousand, please. Here is the money.

Cashier: Thank you. May I have your passport for a moment please. We are always to write down the number of the customer's passport if we change one thousand dollars or more.

Customer: Here it is. No problem.

Cashier: Here is your passport. How would you like the money, sir.

Customer: Oh, give it to me in hundred pound notes, please. Cashier: Good. One hundred, two hundred… fifty pounds, fifty

five pounds.

Customer: Thank you. Good morning. Cashier: Good morning, sir.

III. Refer to the situations and make up your own dialogues.

·Imagine the customer would like to change two thousand dollars.

·Imagine that you are a student at a University in Bern and you want to open a deposit account.

?Writing Practice

I.Read and translate the models in written form:

Opening an Account

The Manager

The Lombard Bank

Lombard Street

London, E.C.3.

2nd November, 20.

Dear Sir,

93

We shall be opening a London branch of our business at premises which are being prepared for us at 982 Cheapside, London, E.C.1.

We wish to open a current account with you for the use of the manager of this branch. The manager's name is Mr. George Edward Wilson, and he will be authorized to sign cheques on our behalf. These cheques will also carry the signature of the branch cashier, Mr. John Gordon. Will you please make an appointment for these two gentlemen to visit the bank in order to complete the necessary formalities and provide specimens of their signatures? This appointment can be made directly with Mr. Wilson, who is already at the Cheapside address.

We refer you to the British Clydeside Bank, Glasgow, who will be pleased to answer any inquiries you wish to make. We take it that you will not require any further references.

As soon as we hear from you we intend to open the account with a cash deposit of GBP 5000.

Yours faithfully,

John Baker,

Managing Director

Lesson 13. Advertising, Basic Forms of Business

Organization

Pre-text Exercises

I.Pay attention to the following words and word combinations and make up your own sentences with them.

a sole trader – индивидуальный торговец (предпринима-

тель);

a partnership – товарищество;

a limited liability company – компания с ограниченной ответственностью;

a branch of a foreign company – филиал (отделение)

иностранной компании; an individual business – индивидуальный бизнес;

a general partnership – товарищество открытого типа;

94

a limited partnership – товарищество с ограниченной ответственностью;

a corporation – корпорация;

an alien corporation – иностранная корпорация; one-man owner – владелец;

a joint-stock company – акционерная компания; a share – акция;

a share-holder – a stock-holder – акционер; a stock-exchange – фондовая биржа;

to incorporate – зарегистрировать как корпорацию; under the law – по закону;

taxation – налогообложение; statute(s) – устав;

charter – учредительный документ; deep stamp – печать о совершении дела; stamp duty – гербовый сбор;

incorporation – корпорация, регистрация;

a certificate of incorporation – свидетельство о регистрации корпорации;

to certify – удостоверять;

registrar – регистратор, архивариус; file – дело;

hereby – настоящим, этим; fee – сбор.

&Reading Practice

I.Read the texts and be ready to discuss them.

1.Types of Businesses in the U.K.

Most businesses in the United Kingdom operate in one of the following ways:

•sole trader

•partnership

95

•limited liability company

•branch of a foreign company.

The sole trader is the oldest form of business. There are many one-man owners, for example: a farmer, doctor, solicitor, estate agent, garage man, jobber, builder, hairdresser etc.

The partnership is a firm where there are a few partners. They are firms of solicitors, architects, auditors, management consultants etc. The names of all the partners of the firm are printed on the stationery of a partnership.

The most common type of company in the United Kingdom is the limited liability company. At the end of the name of such a company the word Ltd. is used. For example: Wilson and Son Ltd.

Many of such companies are joint-stock companies owned by shareholders.

Limited liability companies are divided into public and private ones. Only public companies may offer shares to the public at the stock exchange. The names of such companies end in p.l.c. which stands for public limited company. For instance: John and Michael p.l.c.

Private limited companies may not offer shares to the public. The names of such companies end simply in Ltd.

A branch of a foreign company is a part of a company incorporated outside Great Britain but acting under the law of the U.K. Usually these companies act in the U.K. under their normal foreign names.

2. Incorporation

All partnerships and companies are regulated by the law of the U.K. or by Acts of Parliament, and are to be registered with the Registrar of companies. In order to be registered they are to deliver a few documents, namely:

•a certified copy of the company's charter,

•statute,

•memorandum and others.

When a company is registered a certificate of incorporation is issued by the Registrar.

Here is one of the certificates:

96

Duplicate for the file No 989855. Certificate of Incorporation

I hereby certify that the Goldfields. Limited is this day incorporated under the Companies Acts, 1862 to 1994. and that the Company is Limited.

Given under my hand at London this tenth day of July one thousand nine hundred and ninety four.

Fees and Deed Stamps 15,200.00 Stamp Duty on Capital 13,510.00 Registrar of Joint Stock Companies Certificate received by Stephen Low 65 London Wall, E.C.,

Date 13 the July, 1994

3. Forms of Businesses in the U.S.A.

Businesses in the U.S.A. may be organized as one of the following forms:

•individual business,

•general partnership,

•limited partnership,

•corporation,

•alien corporation.

An individual business is owned by one person.

A general partnership has got several owners. They all are liable for debts and they share in the profits.

A limited partnership has got at least one general owner and one or more other owners. They have only a limited investment and a limited liability.

A corporation is owned by persons, called stockholders. The stockholders usually have certificates showing the number of shares which they own. The stockholders elect a director or directors to operate the corporation. Most corporations are closed corporations, with only a few stockholders. Other corporations are owned by many stockholders who buy and sell their shares at will. Usually they have little interest in management of the corporations.

97

Alien corporations are corporations of foreign countries. All the corporations are to receive their charters from the state authorities. The charters state all the powers of the corporation.

Many corporations try to receive their charters from the authorities of the State of Delaware, though they operate in other states. They prefer the State of Delaware because the laws are liberal there and the taxation is rather low. Such corporations, which receive their charters from an outside state are called foreign corporations.

All the corporations require a certificate to do business in the state where they prefer to operate.

II. Answer the following questions.

1)What are the forms of companies in the UK and the USA?

2)Are the partnerships in the UK the same as general and limited partnerships in the USA?

3)Are all limited liability companies joint-stock companies in the UK?

4)What is the corporation in the USA?

5)What is a branch of a foreign company in the UK?

6)What can you say about alien corporations in the USA?

7)How are all partnerships and companies registered?

III. Compare the two previous texts on the following types of business in the UK and the USA and their incorporation requirements?

98

JSpeaking Practice

I.Translate the following speech patterns and memorize them.

to agree about smb's goals. I'd like to clear up.

It's a package of documents ...

an agreement on the establishment of the joint venture to draft documents as soon as possible

we'll resume our negotiations it's time to discuss ...

to draft the charter

We want the feasibility study to be prepared ...

No objection.

We'll attend to all these questions in due time.

II. Read and act out the following dialogue.

Discussing Foundation Documents

Foreign representative (F. r.), Russian representative (R. r.)

F. r.: Gentlemen, I'm glad we have agreed about our common goals. But there are some specific questions I'd like to clear up.

R. r.: We are all attention.

F. r.: It concerns the documents that must be prepared for setting up our J.V.

R. r.: It's a package of documents including an agreement on the establishment of the joint venture, a charter and a feasibility study.

F. r.: I see. We must have these documents drafted as soon as possible.

R. r.: Sure. They are the documents required for the registration of our J.V. And now I suggest a break for lunch. You must be hungry.

99

F. r.: We won't say no to your suggestion. We had an early breakfast today.

R. r.: Good. And then we shall resume our negotiations. It's time to discuss the amount of our J.V's authorized fund and the share of each participant.

And meanwhile our legal advisers should draft the charter.

By the way, we want the feasibility study to be prepared by specialists of both sides.

F. r.: No objection. We'll attend to all these questions in due time.

?Writing Practice

I.Read and translate the models.

Известно, что основой всякой торговли является реклама. Поэтому одним из шагов к установлению прочных деловых контактов является обмен рекламными материалами с целью дать как можно более полное представление о той продукции(информации, услугах), которая может стать основой будущего партнерства.

Наиболее популярным, простым и доступным средством рекламы была и остается печатная продукция– проспекты, каталоги, рекламные листовки и брошюры, пресс-релизы и пр. В рекламном письме желательно проявить изысканную вежливость.

Advertising

Dear Sir,

Our new Spring collection of suitings contains designs which, I am sure, will be of great interest to you personally.

Interest, however, is not merely confined to the more formal suitings, for we also have an exceptionally pleasant selection of week-end and country worsteds in our Daks suiting range. I believe the patterns enclosed will appeal to you, one is a novel design for town wear, and the other two indicate the trend for muted shades for country wear.

100