01-04-2020-Орловская И.В., Самсонова Л.С. Учебник английского языка для технических университетов и вузов (6-е издание, 2006)(1) (1171846), страница 74
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Some banks will offer to manage your assets (имущество, активы баланса) and provide you with credit. If yourchecking account balance (баланс счета) gets too high, the bankwill offer to move funds into investments that have higher yields(процентный доход).Banks will advise you to pay down credit-card balances or otherloans (заем, ссуда), and let you do it with a click. They will knowthat 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 aswell as for extensive information.Упражнение 1.
Дайте русские эквиваленты выделенным словам. Переведите предложения. Запомните ключевые слова и словосочетания.1. Businessmen can lend (давать взаймы) and borrow (братьвзаймы) money.2. The money to be borrowed from the bank is called a loan.3. Most companies borrow money to finance (i.e., to pay for)investments (e.g., equipment they buy in order to do business).4. If you borrow money from the bank you must pay interest.Interest rate is per cent (процентная ставка) you should payback.5. Businesses have to make a profit, not to make a loss.6.
To make a profit means to earn or receive more money thanyou spend.7. If a company does not make a profit or a loss, it breaks even(рентабельна, безубыточна).8. The money a company receives for its products is called theturnover.9. The money spent is called the expenditure.10. A company spends money on raw materials, labour (workers, employees, staff) and overheads (e.g., rent for buildings, electricity, telephone, etc.)11.
In order to grow or expand and prosper (do well, be successful) the companies need low inflation or rate of inflation (whichmeans the continuous increase in the price of products), low interest rates, economic and political stability, a healthy economy, notan economy in recession, and tax cuts as well. Recession is a pe388nod of reduced and slow business activity. Tax is a sum of money tobe 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, government expenditure.Упражнение 2. Замените выделенные слова и словосочетания близкимпо 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. Profitshave 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 isnecessary to spend more money on R&D (Research and Development).Уш|1ажненше 3. Заполните пропуски, образуя составные слова или общеизвестные фразы.healthy ...... stabilitybreak...economy in...turn ...... and lossinterest...... materialstax...over ...credit...... returnaccount...productivity...Упражнение 4, Составьте возможные словосочетания глаголов из колонки А и существительных из колонки В.А1.2.3.4.5.6.financeofferprovide withgathermakemeetВа.
money onb. servicesс a profit / lossd. needse. investmentsf. information3897. spend8. expand9. lend/borrow10. payg. opportunityh. interesti. creditj . moneyУпражнение 5. Заполните таблицу на словообразование.VerbNounAdjectiveeducatereducibledifferexpenditurepaymentcomparisoncomparableexpensiveУпражнение 6. A. Прочитайте текст и постарайтесь догадаться о значении следующих слов и словосочетаний: unit of account^ value, grains, print,consider, cease, cash, withdraw, bank account.Money as a Unit of AccoimtThe most difficuh aspect of money to understand is its functionas a unit of account. Money is difficult to define, because the valueof anything changes with time and circumstances.Sir Isaac Newton defined the pound steriing (£) in 1717 as 113grains of pure gold.
By the end of the nineteenth century the goldstandard had spread around most of the trading worid, with the result that there was a single world money. It was called by differentnames in different countries, but all these supposedly different currencies were interconnected through their particular definition interms of a quantity of gold.The end of the gold standard began with the introduction of theagreement in 1946. Thisfixedthe value of all world currencies relative to the US dollar, which in turn was fixed to a specific value ofgold (US $ 0.35/oz.) However, in 1971 the US government finallyrefused to exchange US dollar for gold, and other countries soonfollowed. Governments printed as much paper money or coinage asthey wanted, and the more that was printed, the less each unit ofcurrency was worth.390The great advantage of the nineteenth-century gold standardwas not just that it defined the unit of account, but that it operatedthroughout almost the entire world.
A price in England was thesame as a price in Australia or any other country.Today we can determine price differences between countries byconsidering the exchange rate of the day.The great advantage of having a single stable world money isthat such money has very high information content. It tells peoplewhere to invest their time, energy and capital, all around the world,with much greater accuracy and predictability than would otherwise be possible.Nowadays many specialists believe that within the next decademoney, as we know it will probably cease to exist in technologicallyadvanced countries.
The familiar coins and notes will soon be replaced entirely by plastic money — plastic cards of various kinds.And the shops of the future will be linked directly to the network ofbanking computers. The shop assistant will simply key in your bankaccount code number and the amount you have spent, and thankyou politely.Banks have invested huge amounts of money in new technology. Credit cards are issued by credit card companies such as Visaand MasterCard. These companies work closely with all the majorbanks.
A credit card enables you to pay for goods or services immediately without cash or cheque. You are given free credit for anagreed period. At the end of this period you are charged high interest. Every credit card holder is given a credit limit.Most banks provide their customers with banker's cards.
UsingPIN (personal identification number) you can use this card to withdraw cash from the ATMs (Automated Teller Machines).Some banks have already introduced «first generation» smartcards. A smart card contains a computer «chip». It can do all thethings other cards can do but it can also store and display eachtransaction. In the near future you may be using these cards for«home shopping», satellite TV, telephone charges, and as passportsand identity cards.B.
Подберите к каждому слову и словосочетанию из колонки А соответствующее ему по значению из колонки В.А1. unit of account2. bank account3. valueВа. take into accountb. take out money from the bankс money in coin or notes3914. grains'5. print6. consider7. cease8. cash9. withdrawd. keeping one's money at a banke.
stop, come to an endf. unit of countingg. worth of smth.h. tiny, hard piecesi. make books, pictures, etc.Упражнение 7. Заполните пропуски терминами, переведите.1. ... is money that may be used to start a business.2. ... is the type of money used in a country.3. ... is money in coin or notes.4. ... are metal money, ... is system of coins in use.5. ... are paper money.6. ...
money is different kinds of plastic cards.7. ... is to be worth in terms of money.8. ... is price asked for goods or services.9. To ... means to ask smb. to pay.10. To ... money means to keep some of one's money, e.g., for anew computer.11. To ... money means to use it badly on things that one doesnot need.12. The ... of living means how much people pay for things.13.... of living is the level of money and comfort people have.Упражнение 8.
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