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1. The company is interested in (1) ... this enterprise, but we find the (2)... to be too high. 2. The wholesale price is always lower than the (3) ... price. 3. Our marketing manager thinks the com­pany will not make as much (4) ... this year. 4. We do not (5) ... goods of that kind in this company. 5. Everybody was impressed with the (6) ... for the new product. 6. What is your company's (7) ... for the next year? 7. Our main (8) ... are going to take part in a (9) ... conference this week. 8. An experienced (10) ... should have an excellent knowledge of his company's (11)..., the needs of (12) ...in his particular market and, of course, the needs of their com­pany's most important (13) ... 9. IBM is one of the (14) ... in the USA computer industry. 10. The (15) ... of a company is very im­portant in sales and marketing.

Упражнение 5. Замените одно слово в каждом предложении так, чтобы все предложение приобрело противоположное значение.

1. Nobody thought that the company would lose a lot of money. 2. The company has decided to sell the factory in Leeds. 3. Our sales manager cannot get used to being an unsuccessful businessman.

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Упражнение б. Заполните таблицы на словообразование:

Упражнение 7. А. Назовите 20—25 ключевых слов и словосочетаний на тему «Marketing».

В. Speak about:

The market leader in the motor car (computer) industry in our country, its market share and main competitors.

A car (computer) that has been launched lately.

Text 2

Какие преимущества предлагает Интернет в сфере банковских услуг? Прочитайте текст и найдите слова, означающие:

a sum of money to be paid in case of accident (loss, etc.), money in one's account, money to be paid for lighting (heating in your house), a manner or way of doing smth., al­low to.

Banking on a Web Lifestyle

According to Bill Gates, a well-known winner of MN Golden Certificate from Microsoft, within 5—8 years, and possibly much earlier, many people will manage their finances via the Internet. Each bank will put up Web pages that present its products in an easy-to-use fashion, making it simple for customers to manage money quite well electronically.

If you are a customer, your funds will move automatically to meet your needs. You will easily get answers to questions such as: Am I saving enough? Have I gathered all the information I need to file a tax return (налоговая декларация)? Am I keeping to my budget? How does this month's electric bill compare to the bill for the same month last year?

These changes won't come at the expense of the banking indus­try. On the contrary, the Web will let companies offer services that meet individual needs, which is an essential advantage.

Productivity improvements tend to produce many more win­ners than losers. Life gets better when people discover a fundamen-

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tally better way to do something important. That is why the Web is unlikely to dehumanize banking or anything else.

The Web will offer banks great opportunities, especially as their services expand to include insurance, advice and a broad range of investments. Some banks will offer to manage your assets (иму­щество, активы баланса) and provide you with credit. If your checking account balance (баланс счета) gets too high, the bank will offer to move funds into investments that have higher yields (процентный доход).

Banks will advise you to pay down credit-card balances or other loans (заем, ссуда), and let you do it with a click. They will know that if they do not give you this kind of advice and convenience, you are likely to take your business elsewhere.

The Internet is a tool of communication, a place for people as well as for extensive information.

Упражнение 1. Дайте русские эквиваленты выделенным словам. Переве­дите предложения. Запомните ключевые слова и словосочетания.

Businessmen can lend (давать взаймы) and borrow (брать взаймы) money.

The money to be borrowed from the bank is called a loan.

Most companies borrow money to finance (i.e., to pay for) investments (e.g., equipment they buy in order to do business).

If you borrow money from the bank you must pay interest. Interest rate is per cent (процентная ставка) you should pay back.

Businesses have to make a profit, not to make a loss.

To make a profit means to earn or receive more money than you spend.

If a company does not make a profit or a loss, it breaks even (рентабельна, безубыточна).

The money a company receives for its products is called the turnover.

The money spent is called the expenditure.

A company spends money on raw materials, labour (work­ers, employees, staff) and overheads (e.g., rent for buildings, elec­tricity, telephone, etc.)

In order to grow or expand and prosper (do well, be success­ful) the companies need low inflation or rate of inflation (which means the continuous increase in the price of products), low inter­est rates, economic and political stability, a healthy economy, not an economy in recession, and tax cuts as well. Recession is a pe-

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riod of reduced and slow business activity. Tax is a sum of money to be paid by citizens (according to income, for example) to the gov­ernment for public purposes.

12. A trend is a change or movement of prices, profits, sales, etc. To describe a trend we can use the following expressions:

The government will raise taxes.

Taxes will rise (increase, go up) by 2 % (or to 28 %).

There will be a sharp rise in inflation.

Taxes will fall (go down, decrease) slowly.

There will be a slow fall (decrease) in taxes.

Prices are up by 5 %; profits are down by $2 million.

Inflation will probably remain stable at around 3 %.

13. Expenditure is spending or using money, for example, gov­ ernment expenditure.

Упражнение 2. Замените выделенные слова и словосочетания близким по значению словом или словосочетанием.

1. Our company is doing well now. 2. Sales have increased dra­matically. 3. This came after a dramatic fall last year. 4. Profits have risen considerably. 5. Our turnover has gone up this year. 6. The company is growing very quickly. 7. We expect sales to in­crease for about two years. 8. Then they will fall slightly. 9. It is necessary to spend more money on R&D (Research and Develop­ment).

Упражнение 3. Заполните пропуски, образуя составные слова или обще­известные фразы.

Упражнение 4. Составьте возможные словосочетания глаголов из колон­ки А и существительных из колонки В.

А В

finance a. money on

offer b. services

provide with с a profit / loss

gather d. needs

make e. investments

meet f. information

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spend g. opportunity

expand h. interest

lend/borrow i. credit 10. pay j. money