- •Издательство
- •Ж.Г. Аванесян
- •Для экономистов
- •Isbn 978-5-370-00797-2
- •Учебное издание Редактор л.Н. Волкова Корректор ал. Воробьева Компьютерная верстка к.С. Шахалина, о.Н. Баканковой
- •Отпечатано в полном соответствии с качеством предоставленных лиапозитипов вОао «Дом печати - вятка». 610033. Г. Киров, ул. Московская, 122
- •Isbn 978-5-370-00797-2
- •Business success stories of all time
- •Предисловие
- •Basics of economics
- •Essential Vocabulary
- •Exercises
- •9 * Before you listen to Dialogue No 2 match the expressions in the left column with their translation in the right one.
- •10. Workers questioned rated job as more
- •Words and Expressions
- •Types of businesses
- •It is important to realise that a business will have other aims. These include:
- •Essential Vocabulary
- •Corporate combinations
- •Words and Expressions
- •Multibillion-dollar corporate mergers occurred
- •Market structure
- •Essential Vocabulary
- •Exercises
- •Essentials of marketing
- •Essential Vocabulary
- •Interest-free - беспроцентный
- •Exercises
- •Marketing mix in action
- •Isolated by (3) - dividing a market into
- •Words and Expressions
- •Notes to Quotations
- •Pricing policy
- •In addition to adopting particular pricing method, a firm can also follow a number of pricing strategies or tactics. The more common of these include:
- •Exercises
- •Input in this sector is relatively small, second sawa intends to conduct a competitive pricing policy with
- •Selling price for a finished product
- •Demand, supply and market equilibrium
- •Words and Expressions
- •Insurance premium - страховые взносы
- •Irregular demand - неравномерный спрос
- •Consumers are hesitating to buy
- •Robotics and technological change
- •Goals of advertising
- •Introduce a new product or a new price schedule.
- •Essential Vocabulary
- •Increase sales увеличить объем продаж
- •Exercises
- •Impact on a product's sales but the exact effect is uncertain.
- •Advertising media
- •Words and Expressions
- •Advertising
- •In general the advertising of a particular product or service during a particular period of time is called an advertising campaign.
- •Sales promotion
- •Essential Vocabulary
- •Exercises
- •Discussing a promotional campaign
- •Distribution and sales
- •Words and Expressions
- •Personal selling
- •Notes to Quotations
- •The financial objectives of the business
- •In return for - в оплату за
- •Injection of funds вложение капитала
- •Internal finance - внутреннее финансирование
- •Exercises
- •Planning a new business
- •The financial control of the business
- •Words and Expressions
- •Interest charges - расходы по уплате процентов; процент по займам
- •The functions of money
- •Essential Vocabulary
- •Exercises
- •The history of american money and ranking
- •5* Before you listen to Talk No 1 use Glossary to match the words and expressions below with their definitions.
- •What Is a Gold American Eagle?
- •12 Federal Reserve banks, each representing a section
- •Inability to control credit during the 1920s. (15)
- •5,100 Banks failed, some 4,000 in 1933 alone.
- •Industry. Today, Americans have a wide choice of financial
- •Institutions where they are offered a variety (30)
- •Words and Expressions
- •Insurance payment - страховой платеж
- •Installment loan - ссуда с оплатой в рассрочку
- •Interest rate - процентная ставка
- •Usually run from one to five years
- •4. As long as the company does well the profits will be very high.
- •7 Английский язык для экономистов
- •Bill gates and microsoft corporation
- •Essential Vocabulary
- •Information technology - информационные технологии
- •Exercises
- •5* Before you listen to Talk No 1 use Glossary to match the words and expressions below with their definitions.
- •Isaakson did not start at the top of (4) . She
- •In 1980 she founded a (6) research and con- sulting firm Future Computing.
- •In 1981 Isaakson learned of ibm's plans to market a new personal computer. In a published report she predicted that the ibm pc would have a dramatic effect on the
- •Instant success а. Приводить в восторг, очаро-
- •Honorary degree вывать
- •In 1976, he (2) a television station, wtbs,
- •Corporation
- •In 1929, Ford, General Motors and the newly formed Chrysler Corporation - known then and now as the Big Three - accounted for 80 percent of the market.
- •Words and Expressions
- •Chapter two
- •Chapter three
- •Chapter four
- •I mean: show cards, special display stands — where we can
- •Относительная стоимость
- •Подсчитывать прибыли и убытки
- •Налоговые поступления
- •Задача бухгалтерского учета
- •Накапливать состояние
- •Не поддаваться износу
- •Чеканить монеты
- •Стабильность ценности
- •Долговечность
- •Chapter ten
- •In 1963, she decided to form her own direct-sales cosmetics company. Mary Kay built a new corporate culture based on the education, participation, and authority of women. I
- •In 1966, she decided to rebuild her personal life. She married Mel Ash, a businessman whom she had met on a blind date.
- •In 1928, Walt Disney produced a mouse character Mickey Mouse which was an overnight success and changed animation forever. As Mickey's creator Disney became a celebrity.
- •In 1952, he came up with an idea to build an amusement park, that would be entertaining for adults as well as for children. 1
- •10 Английским ялы к для 'jkohovmctOn
- •11 Am минский язык для экономистов
- •Increase or decrease the quantity supplied, eminent domain: the right of governments to take private
- •Interview: a formal meeting in which someone asks you questions to find out if you are suitable for a job, course of study, etc.
- •Inventory: stock of goods held by a business.
- •Investment: placing of money so that it will increase in value or
- •Incomes regardless of size.
- •Vaults.
- •Income is divided by common stock equity, revenue tariff: tax on imports designed to raise money for the
- •Identify a product, service or company, trade-off: giving up one thing in order to obtain something
Words and Expressions
borrow — занимать деньги; заимствовать; брать взаймы;
брать в кредит borrower п ~ заемщик; берущий взаймы capacity to pay платежеспособность character n - репутация
charge interest - начислять проценты, взыскивать проценты
collateral - и существенный залог; дополнительное обеспечение; гарантия, поручительство (финансовое) college tuition payment - плата за обучение в колледже commercial bank - коммерческий банк credit п - кредит; долг
credit history кредитная история (записи займов и выплат по ним определенного лица) credit payments - выплаты по кредиту credit rating - оценка кредитоспособности credit risk - кредитный риск
disposable income - доход, остающийся после уплаты налогов, чистый доход
down payment - первоначальный взнос, первая выплата, аванс (напр. при покупке в рассрочку)
forfeit v - лишиться в результате конфискации, потерять право на что-л.
home mortgage - ипотека; залог; заклад; закладная
Insurance payment - страховой платеж
Installment loan - ссуда с оплатой в рассрочку
interest п - проценты (на капитал)
Interest rate - процентная ставка
lender п - заимодавец, кредитор; ростовщик
loan п - заем; ссуда; кредит
loan period - срок возвращения займа
meet retirement needs - оплачивать пенсионные нужды
money market account - накопительный счет, депозитный счет денежного рынка
mortgage п - заклад; ипотека, закладная
mortgagee п - кредитор по закладной
NOW (negotiable order of withdrawal) account - текущий счет с выплатой процентов и списанием по безналичным расчетам (типа чеков)
passbook savings ~ сбережения на банковской сберегательной книжке
passbook account — сберегательный счет с выдачей сберегательной книжки
principal п - основная сумма, капитал (сумма, на которую начисляются проценты)
principal and interest - капитал и проценты
pool of money - общий денежный фонд; объединенный резерв капитала
real property недвижимое имущество
regular savings account - обычный сберегательный счет repayment - уплата (процентов), выплата (основной суммы)
saving rate - норма сбережений savings п - сбережения, накопления savings account — депозит, сберегательный счет savings bank - сберегательный банк savings deposit — сберегательный вклад Treasury (the) - государственное казначейство, министерство финансов Treasury bills - краткосрочные казначейские векселя time deposit — срочный депозит; вклад на срок
|2 Answer the questions.
What are the main reasons for saving money?
What are the advantages of depositing money?
Why does a financial institution lend money?
What economic factors affect saving rate?
What types of savings accounts do you know?
What are the main reasons for borrowing money?
How can people profit by using credit?
Why does the borrower put up collateral?
What is the most common type of mortgage?
10. What kind of applicants receive a high credit rating?
11* Say if the statements are true or false. Prove your point.
The fee that a financial institution pays for the use of depositors' money is collateral.
Credit is the purchase of goods and services without the actual transfer of money on the promise to pay later.
The shorter the loan period is, the smaller the monthly amount the consumer must pay.
A financial institution charges interest on loans to make money.
The money borrowed is called the interest.
The mortgagee must repay the mortgage in installments for fixed number of years, usually between 15 and 30 years,
A financial institution makes a profit by charging more interest on loans than it pays on deposits.
When consumer goods are adequate to meet consumer demand and prices are lower, the savings rates are high.
When consumer demand is greater than the supply of consumer goods and prices are high, the savings rates are low.
10. A credit rating is an estimation of the probability of repayment.
|4* Complete the sentences matching the beginning of the sentence with one of the endings.
A financial institution pays interest on savings deposits .
A common type of savings accounts among financial institutions is
3. The length of repayment of the loan is important in
Even wealthy consumers consider the use of credit necessary .
Credit payments for televisions, major appliances, and other expensive items .
The amount paid by the borrower for the privilege of using the money .
The money market account offers variable interest rates .
If the loan is not repaid according to the terms of the agreement, .
The loan is secured by the property, which is forfeited if .
10. The creditor evaluates information about the purchas- er and .