Желаем удачи!

Урок	Аккредитив

Задание 1.1

Прочитайте словарь-минимум и выпишите из него в свой терминологический словарь незнакомые лексические единицы.

to lead (led) to	приводить к чему-либо, вести
major	крупный, большой
in particular	в частности, в особенности
frequently	часто
to provide provided	предоставлять при условии; в том случае, если …
to involve	вовлекать
to protect	защищать, охранять
revocable	отзывный
irrevocable	безотзывный
prior	предшествующий, прежний
to notify	уведомлять, извещать
the former	первый (из двух названных)
the latter	последний (из двух названных)
to stipulate	ставить условием
consent	согласие, разрешение
on a sight basis sight L/C	по предъявлении аккредитив на предъявителя
to call for	требовать
to evidence	свидетельствовать
to specify	устанавливать, определять точно
to confirm	подтверждать, утверждать
to assume	допускать, предполагать
therefore	поэтому, следовательно
application	заявление, заявка
beneficiary	бенефициар, получатель
confidence	доверие, уверенность
funds	денежные средства
reimbursement	рамбурс, возврат, возмещение, компенсация, покрытие
to recover	взыскивать, получать обратно, возмещать
i.e. (id est = that is)	то есть

Задание 1.2

Найдите в тексте ответы на вопросы. Подчеркните ответы маркерами разного цвета.

1. What is the most frequently used financial service provided by banks for the customers involved in international trade?

2. What does the Letter of Credit guarantee to the seller?

3. How does the Letter of Credit protect the buyer?

4. What is considered to be the proof that the shipment of goods has been made?

LETTER OF CREDIT

The growth in multinational corporations manufacturing and trading on a worldwide basis has led to the growth in the overseas operations of major banks over the last twenty years. Banking may be said to be the one industry on which all others depend for financial services at one time or another, and banks play a key role in the import and export trade in particular.

Letters of Credit are the most frequently used international service provided by banks to customers involved in international trade. Such a document guarantees that the seller (exporter) will be paid provided the terms of the contract are met. At the same time, it protects the buyer (importer) by guaranteeing that payment will not be made until the contract is fulfilled.

Letters of Credit can be revocable and irrevocable. A revocable credit can be amended or cancelled at any time without prior warning or notification to the seller, but the latter is most usual since it stipulates that no changes may be made without the consent of both the buyer and seller. They may also be issued on a time or sight basis. The latter calls for immediate payment against the documents evidencing the shipment of the goods; the former specifies the date by which payment must be made. The letter of credit may also be confirmed, which means that the exporter’s bank undertakes to pay the exporter for the goods once the correct documents are received.

Procedures differ according to the type of credit, but let us assume, for example, that a company in Australia wants to import goods from a company in Basle, Switzerland. As well as requiring credit, the Australian company wants to be sure that the contract will be fulfilled. The Swiss company wants to know that it will be paid for the goods.

The Australian company therefore contacts its local bank and requests, for example, an irrevocable sight Letter of Credit in favour of the Swiss exporter. The application will specify the documents required as proof that the shipment of the goods has been made. The Australian bank notifies a bank in Switzerland of the credit, and is then known as the Issuing Bank. The Swiss bank contacts the exporter in Basle and is then known as the Advising Bank. The exporter, i.e. the seller, is now the beneficiary of the letter of credit, and will receive payment provided the terms of the contract are met.

When the goods have been shipped, the company in Basle presents the documents to its bank, which may or may not be the advising bank, and the bank will make payment immediately. It can do it with confidence since it knows that the issuing bank must make payment. Funds then flow from the Issuing Bank in Australia to the Paying Bank in Switzerland, as the reimbursement for the money paid by the Swiss bank to the seller in Basle. The Australian bank then recovers this money from the account of its customer, the importer.

Задание 1.3

Образуйте существительные от глаголов и переведите их.

Глагол	Существительное	Перевод
to operate	operation	операция (сделка)
to grow
to serve
to guarantee
to pay
to fulfil
to undertake
to apply
to specify
to notify
to provide
to amend

Задание 1.4

Найдите в тексте задания 1.2, выпишите и переведите синонимы лексических единиц.

Лексическая единица	Синоним	Перевод
international operations	overseas operations	международные операции
to produce
often
to meet the terms of the contract
agreement
to require
to ask for smth.
buyer
seller
payee
the opening bank
trust
to ensure
to change

Задание 1.5

Найдите в тексте задания 1.2, выпишите и переведите антонимы лексических единиц.

Лексическая единица	Перевод	Антоним	Перевод
import	импорт	export	экспорт
local
seldom
payer
revocable
disagreement
the latter
exporter

Задание 1.6

Найдите в тексте задания 1.2 переводы словосочетаний и выпишите их.