An importer buys merchandise from another country the currency of that country

Прочтите и выучите следующий диалог.

Performing the Contract

— Welcome to Moscow, Mr. Green, I’m glad to see you, though the occasion is not quite pleasant.

— I hope we’ll settle everything. I hear you have problems withcustoms clearance?

— Yes, you see we couldn’t clear the goods because there was a discrepancy between the bill and your invoice.

— Yes, I’ve seen to that, everything will be all right. Anything else?

— Yes, in the first consignment some items proved to be of inferior quality and there was a short-delivery of 10 pieces.

— My best apologies. May I have a copy of your report? It’s the first complaint we’ve ever had from your companies. We’ll arrange for immediate shipment of short-delivered items and replace the inferior ones.

— Good. But I’m afraid we’ll have to revise some parts of the contract.

Тема 2.

Прочтите и переведите следующий текст.

BANKS AND BUSINESS

Banks are different in different countries. Let’s speak about the banks in the United Stales of America. There, commercial banks are classified into two main groups. First, there are national banks. They are charted and supervised by the Federal Government. Secondly, there are state banks. They are charted and supervised by the state in which they are operated. All commercial banks can make loans to borrowers.

Major commercial banks in such cities as Tokyo, Paris and Rio cooperate with each other. In this way they finance imports and exports between countries.

An importer buys merchandise from another country using the currency of that country. For that purpose he buys this currency from the foreign exchange department of his bank. And in the same way if an exporter receives foreign money from sales to other countries, he sells this currency to his bank. By this method the currency of any country can usually be exchanged.

Выпишите новые слова и выражения и выучите их.

New words and expressions:

3. Дайте ответы на следующие вопросы:

1. What do all commercial banks do?

2. What kinds of commercial banks in the USA do you know? What are they called?

3. Who supervises the operations of national bank?

4. What kind of currency does an importer generally use when he buys goods from another country?

5. What do you know about the «international exchange»?

6. What is the currency of this country called?

7. What is the exchange rate between your currency and the currency of the USA and Germany? How can you find it out if you don’t know it?

4. Прочтите и выучите следующий диалог:

Banks – Currency

— Good morning. What can I do for you?

— Good morning. I would like to open a savings account. Could you explain your policy to me?

— A small initial deposit is all it takes to open a savings account at our bank, but if you open your account with five hundred dollars or more and keep that much at all times, there is no service charge. If you fall below the 5000-dollar limit, you will be charged five dollars a month.

— I’m not sure I understand what you’ve said about the five-hundred-dollar limit. Could you explain that to me again?

— Of course. Our bank requires you to maintain a minimum balance of 500 dollars or more. Should your minimum balance fall below that amount, your account will be charged for five dollars a month.

— That’s clear enough. One more question.

— Could I get a banking card after opening an account?

— When you open your account, you’ll be in touch with your money thanks to our machine services. Our machines can handle most regular transactions. You can make deposits, cash withdrawals, and balance inquiries with your card. The machine is at work 24 hours a day, seven days a week.

— Okay. I’ve made up my mind. I’d like to open a savings account with a deposit of one thousand dollars.

за (банковские) услуги

An importer buys merchandise from another country the currency of that country

RE: Помогите срочно 1)_________ the terms of payment and shipment, he sent a cable to his boss. a…

Помогите срочно
1)_________ the terms of payment and shipment, he sent a cable to his boss.

a. Having been discussed
b. Having been discussing
c. Having discussed
d. Have discussed
2)An importer buys merchandise from another country _________ the currency of that country.

a. To have used
b. Used
c. Using
d. To use
3)Choose the correct translation of the following Russian sentence:
В этой тюрьме Нью-Йорка много политзаключенных.

a. There are many political prisoners in this New York jail.
b. Many political prisoners are in this New York jail.
c. There are in this jail many political prisoners.
d. In this New York jail are many political prisoners.
4)Choose the suitable grammar form for the following sentences:
… by his work he can do more than this.

a. judging
b. judged
c. judge
5)Choose the suitable synonym for the following word:
just –

a. numerous
b. fair
c. poor
d. progressive
6)Choose the suitable synonym for the following word:
legislation –

a. police actions
b. judging people
c. making laws
d. special laws
7)Choose the suitable word for the following sentence:
The … of any state regulates the political life in the society.

a. government
b. power
c. legislation
d. department
8)Choose the suitable words for the following sentence:
The job of … is to accuse the criminal.

a. prosecutor
b. witness
c. chairman
d. defence counsel
9)Did you _________ at an office in London two years ago?

a. Started to work
b. Working
c. Worked
d. Work
10)I saw her _________ in one of the commercial banks of our city.

a. For exchanging currency
b. Exchange currency
c. To exchange currency
d. To exchanging currency
11)I think I _________a new documentary one of these days.

a. Am watching
b. Shall watch
c. To watched
d. To watch
12)I would like ________ to evaluate return on investment ratio.

a. To him
b. Of him
c. Him
d. He
13)If you _________ the goods FOB English port, we will be able to pay for collection.

a. Sell
b. Of selling
c. Sold
d. Selling
14)Next year I _________ start my own business and get tax benefits.

a. Shall be able to
b. Shall be able
c. Shall able to
d. Shall can
15)Our company has just started _________.

a. Producing a new model of equipment
b. Produce a new model of equipment
c. Many producing a new model of equipment
d. Produced a new model of equipment
16)The _________ payment for collection helped us to get modern equipment for our plant.

a. Accepted by Blake and C0
b. Is accepting by Blake and C0
c. Having been accepting by Blake and C0
d. Have accepted by Blake and C0
17)The … class regulates legislation.

a. collective
b. economic
c. ruling
d. historical
18)The first set of ratios is considered _________ the overall financial structure of the company.

a. Dealt with
b. Dealing with
c. To deal with
d. Deal with
19)The girl _________ to Rio is a secretary to our bank manager.

a. Buying a single ticket
b. Have bought a single ticket
c. Having buying
d. Is buying a single ticket
20)The legislation … by this department is very important.

a. prepare
b. prepared
c. preparing
21)The letter of credit _________ by the National Bank gave him an opportunity to get money in Poland for establishing joint venture.

a. Issue
b. Issued
c. Issuing
d. To issue
22)The police is necessary to …

a. divide private property
b. exploit the power
c. keep order
d. regulate relations
23)There are some state institutions … the life of the society.

a. regulate
b. regulating
c. regulated
24)They are certain _________ with his demand.

a. Have agreed
b. To agree
c. Agree
d. To have agreed
25)We are interested in their chemical equipment because_________.

a. To meet our requirements
b. It meets our requirements
c. They meet our requirements
d. Of it meets our requirements
26)We work with foreign customers and we need_________.

a. Much information
b. Information many
c. Information much
d. Many information
27)What matters has the bank manager _________ lately?

a. To discussed with his partners
b. Discussing with his partners
c. A discussion with his partners
d. Discussed with his partners
28)While _________ a long-term loan, you should find a bank giving so-called prime-rate.

a. Taken
b. Taking
c. To take
d. Used
29)While _________ the price of the equipment, be offered a 5% discount.

a. Discussion
b. Having been discussed
c. Discussing
d. Discussed
30)You _________ to clarity the questions of quotations and delivery next month.

a. Must
b. Will have
c. Have had
d. Have

Помогите срочно 1)_________ the terms of payment and shipment, he sent a cable to his boss. a…

Помогите срочно
1)_________ the terms of payment and shipment, he sent a cable to his boss.

a. Having been discussed
b. Having been discussing
c. Having discussed
d. Have discussed
2)An importer buys merchandise from another country _________ the currency of that country.

a. To have used
b. Used
c. Using
d. To use
3)Choose the correct translation of the following Russian sentence:
В этой тюрьме Нью-Йорка много политзаключенных.

a. There are many political prisoners in this New York jail.
b. Many political prisoners are in this New York jail.
c. There are in this jail many political prisoners.
d. In this New York jail are many political prisoners.
4)Choose the suitable grammar form for the following sentences:
… by his work he can do more than this.

a. judging
b. judged
c. judge
5)Choose the suitable synonym for the following word:
just –

a. numerous
b. fair
c. poor
d. progressive
6)Choose the suitable synonym for the following word:
legislation –

a. police actions
b. judging people
c. making laws
d. special laws
7)Choose the suitable word for the following sentence:
The … of any state regulates the political life in the society.

a. government
b. power
c. legislation
d. department
8)Choose the suitable words for the following sentence:
The job of … is to accuse the criminal.

a. prosecutor
b. witness
c. chairman
d. defence counsel
9)Did you _________ at an office in London two years ago?

a. Started to work
b. Working
c. Worked
d. Work
10)I saw her _________ in one of the commercial banks of our city.

a. For exchanging currency
b. Exchange currency
c. To exchange currency
d. To exchanging currency
11)I think I _________a new documentary one of these days.

a. Am watching
b. Shall watch
c. To watched
d. To watch
12)I would like ________ to evaluate return on investment ratio.

a. To him
b. Of him
c. Him
d. He
13)If you _________ the goods FOB English port, we will be able to pay for collection.

a. Sell
b. Of selling
c. Sold
d. Selling
14)Next year I _________ start my own business and get tax benefits.

a. Shall be able to
b. Shall be able
c. Shall able to
d. Shall can
15)Our company has just started _________.

a. Producing a new model of equipment
b. Produce a new model of equipment
c. Many producing a new model of equipment
d. Produced a new model of equipment
16)The _________ payment for collection helped us to get modern equipment for our plant.

a. Accepted by Blake and C0
b. Is accepting by Blake and C0
c. Having been accepting by Blake and C0
d. Have accepted by Blake and C0
17)The … class regulates legislation.

a. collective
b. economic
c. ruling
d. historical
18)The first set of ratios is considered _________ the overall financial structure of the company.

a. Dealt with
b. Dealing with
c. To deal with
d. Deal with
19)The girl _________ to Rio is a secretary to our bank manager.

a. Buying a single ticket
b. Have bought a single ticket
c. Having buying
d. Is buying a single ticket
20)The legislation … by this department is very important.

a. prepare
b. prepared
c. preparing
21)The letter of credit _________ by the National Bank gave him an opportunity to get money in Poland for establishing joint venture.

a. Issue
b. Issued
c. Issuing
d. To issue
22)The police is necessary to …

a. divide private property
b. exploit the power
c. keep order
d. regulate relations
23)There are some state institutions … the life of the society.

a. regulate
b. regulating
c. regulated
24)They are certain _________ with his demand.

a. Have agreed
b. To agree
c. Agree
d. To have agreed
25)We are interested in their chemical equipment because_________.

a. To meet our requirements
b. It meets our requirements
c. They meet our requirements
d. Of it meets our requirements
26)We work with foreign customers and we need_________.

a. Much information
b. Information many
c. Information much
d. Many information
27)What matters has the bank manager _________ lately?

a. To discussed with his partners
b. Discussing with his partners
c. A discussion with his partners
d. Discussed with his partners
28)While _________ a long-term loan, you should find a bank giving so-called prime-rate.

a. Taken
b. Taking
c. To take
d. Used
29)While _________ the price of the equipment, be offered a 5% discount.

a. Discussion
b. Having been discussed
c. Discussing
d. Discussed
30)You _________ to clarity the questions of quotations and delivery next month.

a. Must
b. Will have
c. Have had
d. Have

Английский язык Итоговый тест МЭСИ (2 семестр)

An importer buys merchandise from another country _________ the currency of that country.

Did you _________ at an office in London two years ago?

I saw her _________ in one of the commercial banks of our city.

I think I _________ a new documentary one of these days.

I would like ________ to evaluate return on investment ratio.

If you _________ the goods FOB English port, we will be able to pay for collection.

Next year I _________ start my own business and get tax benefits.

Our company has just started _________.

The _________ payment for collection helped us to get modern equipment for our plant.

The first set of ratios is considered _________ the overall financial structure of the company.

The girl _________ to Rio is a secretary to our bank manager.

The letter of credit _________ by the National Bank gave him an opportunity to get money in Poland for establishing joint venture.

They are certain _________ with his demand.

We are interested in their chemical equipment because _________.

We work with foreign customers and we need _________.

What matters has the bank manager _________ lately?

While _________ a long-term loan, you should find a bank giving so-called prime-rate.

While _________ the price of the equipment, be offered a 5% discount.

You _________ to clarity the questions of quotations and delivery next month.

_________ the terms of payment and shipment, he sent a cable to his boss.

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ПРАКТИЧЕСКАЯ РАБОТА № 4

ЗАДАНИЕ 1. Прочитайте текст Banksand Business и переведите на русский язык, используя предложенные слова и словосочетания.

В разных странах, разные банки. Давайте поговорим о банках в Соедененных Штатах Америки. Там, коммерческие банки разделены на 2 основные группы. Первая – национальные банки. Они создаются и управляются федералами (Высшие федеральные органы США). Вторая – государственные банки. Они создаются и управляются штатом в котором они находятся. Все коммерческие банки предоставляют кредиты, заемщикам.
Наиболее важные коммерческие банки в таких городах как Токио, Париж, Рио, кооперируются друг с другом. Таким образом они финансируют импорт и экспорт между странами. Импортер, покупает товар из другой страны, используя валюту страны-продовца. Для этой цели, он покупает валюту из иностранного департамента своего же банка. Точно так же экспортер получает деньги за продажу в другие страны, он продает эту (иностранную) валюту своему банку. Таким способом, валюта любой страны, может быть обменена.

ЗАДАНИЕ 2. Ответьте на вопросы к тексту BanksandBusinessписьменно.
1. What do all commercial banks do?
1. They make loans to the borrowers.
2. What kinds of commercial banks in the USA do you know? What are they called?
2. There are 2 main groups of commercial banks in the US. First group is called “National banks” and the second is called “State banks”
3. Who supervises the operations of national banks?
3. Federal Government does.
4. What kind of currency does an importer generally use when he buys goods from another country?
4. Usually he uses the sellers country currency.
ЗАДАНИЕ 3. Вставьте подходящие слова в предложения.

merchandise currency commercial foreign exchange
to finance to supervise to charter
1. Federal government chartsand supervises all national banks.
2. International cooperation between banks makes it possible to finance imports and exports.
3. It is possible to convert American dollars to Swiss francs in the foreign exchange department.
4. The currency of Germany is the mark.
5. All commercial banks make loans to borrowers.
6. If the importer buys merchandise from another country he will pay for it in the currency of this country.

ЗАДАНИЕ 5.Переведите предложения на английский язык, используя слова и словосочетания из задания 4.
1. Государство учреждает коммерческие банки.
1. Government charts commercial banks.
2. Если ты хочешь купить товары за границей, ты должен поменять деньги в отделе обмена валюты.
2. If you want to buy merchandise abroad, you have to change currency in an exchangedepartment
3. Я бы хотел сделать карьеру в банковском деле.
3. I want to succeed in banking.
4. Все банки устанавливают проценты на ссуду.
4. All banks charge interest on the loan.
5. Наш банк намерен предоставить краткосрочную ссуду этому предприятию.
5. Our bank intends to provide short-term loan to this company.
6. Наименьший процент со ссуды предоставляется привилегированным клиентам.
6. The prime-rate from loans is provided to the privileged customers.
7. Банки могут выпускать аккредитивы и рекомендательные письма.
7. Banks can provide letters of credit and credit reference letters.
8. Я намерен занять крупную сумму денег.
8. I am going to borrow a large sum of money.
9. Банк считает, что это предприятие платежеспособно и ему можно предоставить заем.
9. The Bank believes that this company is eligible and it can be given a loan.

ЗАДАНИЕ 6. Прочитайте текст Accounting и переведите на русский язык, используя предложенные слова и словосочетания.

Accounting
Accounting shows a financial picture of the firm. An accounting department records and measures the activity of a business. It reports on the effects of the transactions on the firm’s financial condition. Accounting records give a very important data. It is used by management, stockholders, creditors, independent analysts, banks and government.
Most businesses prepare regularly the two types of records. That is the income statement and balance sheet. These statements show how money was received and spend by the company.
One major tool for the analysis of accounting records is ratio analysis. A ratio analysis is the relationship of two figures. In finance we operate with three main categories of ratios. One ratio deals with profitability, for example, the Return on Investment Ratio. It is used as a measure of a firms operating efficiency.
The second set of ratios deals with assets and liabilities. It helps a company to evaluate its current financial position. The third set of ratios deals with the overall financial structure of the company. It analyses the value of the ownership of the firm.
Бугалтерия.
Бугалтерский учет показывает финансовое состояние фирмы. Бугалтерский отдел документирует и измеряет активность бизнеса. Это сказывается на протоколах о финансовом состоянии фирмы. Бугалтерские записи обеспечивают (содержат) очень важной/ую информацией/ю управленцев. Они используются администрацией, инвесторами, кредиторами, независимыми экспертами, банками и правительством.
Большинство фирм обычно подготавливают 2 вида отчетов. Отчет о доходах и состояние счетов. Эти отчеты показывают как деньги были получены и потрачены компанией.
Один из важнейших инструментов для анализирования бугалтерского учета это анализкоэффициентов. Анализкоэффициентов это соотношение 2 показателей. В финансировании, мы оперируем 3 основными категориями коэффицентов. Один коэффицент отвечает за прибыльность, на пример: коэффициентвозвращенияинвестиций. Он используется для определения рабочей производительности. Втрой коэффицент отвечает за активы и кредиторскую задолжность. Это помогает компании оценивать свою финансовую позицию. Третий коэффицент отвечает за полную финансовую стуктуру компании. Он оценивает стоимость собственности фирмы.

ЗАДАНИЕ 7. Ответьте на вопросы к тексту Accounting письменно.
1. What is the purpose of accounting?
1. To show a financial picture of the firm.
2. Who uses the data provided by accounting firms?
2. It is used by management, stockholders, creditors, independent analysts, banks and government.
3. What are the two types of records which most businesses prepare?
3. The two types of records are: the income statement and the balance sheet.
4. What can you know analyzing the income statement and balance sheet of a company?
4. You can see how the money was received and spend by the company.
5. What is the purpose of the ratio analysis?
5. It is used as a measure of a firms operating efficiency, it helps a company to evaluate its current financial position, it analyses the value of the ownership of the firm.
6. What categories of ratios in finance do you know?
6. In finance we operate with three main categories of ratios. One ratio deals with profitability, the second set of ratios deals with assets and liabilities, the third set of ratios deals with the overall financial structure of the company.

ЗАДАНИЕ 8. Вставьте подходящие слова в предложения.
to profit profit efficiency ownership to evaluate
transaction data income to measure
1. An accounting helps to measure the activity of a business.
2. Do you know the effect of your last transaction on financial condition of the firm?
3. Accounting records provide data for stock-holders, independent analysts.
4. The second type of ratio helps the company to evaluate its current financial position.
5. Income is one the two main records which most of the businesses prepare regularly.
6. The ownership of the company includes real estate in California.
7. I am sure of the profit of this transaction.
8. Our company’s current efficiency is very high.
9. They profit from the association with that corporation.