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Упражнение №9. Прочитайте, переведите и озаглавьте текст. Текст №2
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The other main service of banks is lending money. Individuals and businesses often need to borrow money, and they need a lender that they can trust. This is exactly what banks are – reliable lenders. In fact, most of the money that people deposit in their bank accounts is immediately lent out to someone else.
Apart from storing and lending money, banks offer other financial services. Most of these are ways of making money more accessible to customers. For example, banks help people transfer money securely. They give customers cheque books and credit cards to use instead of cash. They provide ATM machines so that people can withdraw cash any time of the day or night.
Word study
Упражнение №10. Изучите новые слова.
1. lend [lend] (lent, lent) одалживать, давать взаймы
2. lender ['lendə] заимодавец, кредитор; ростовщик
3. customer ['kʌstəmə] покупатель; потребитель
4. borrow ['bɔrəu] занимать, брать на время
5. reliable [rɪ'laɪəbl] надёжный; проверенный
6. deposit [dɪ'pɔzɪt] депозит, вклад в банке; делать вклад
7. accessible [ək'sesəbl] доступный; достижимый
8. transfer [træn(t)s'fɜː] переводить, перечислять (н-р, деньги
и т.п.)
9. securely [sɪ'kjuəlɪ] в безопасности; надёжно, без риска
10. cheque book чековая книжка
11. credit card кредитная карта, кредитка
12. cash [kæʃ] наличные деньги,
13. ATM [ˌeɪtiː'em] банкомат (Automatic Teller Machine)
14. withdraw [wɪð'drɔː] снимать (деньги со счета)
Упражнение №11. Составьте 5 вопросов к тексту № 2. Упражнение №12. Ответьте на вопросы:
1. What is the one of main services of bank?
2. What is the best lender?
3. How can customers send money to another country?
4. How can customers get cash?
5. When can customers use ATMs?
Speaking
Упражнение №13. Прочитайте, переведите и воспроизведите диалог. Making a withdrawal
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A: How are you doing today?
B: Great. Thank you.
A: What can I do for you?
B: I need to withdraw some money.
A: How much would you like to take out?
B: I need to withdraw $300.
A: Which account would you like to take the money from?
B: I want to take it from my checking account.
A: Here's your $300.
B: Thanks a lot.
A: Can I do anything else for you?
B: No, thank you. That'll be all.
Reading
Упражнение №14. Прочитайте и переведите текст “What Banks Do”. Текст №3
What Banks Do Accept Deposits /Make Loans
At the most basic level, what banks do is simple. Banks accept deposits from customers, raise capital from investors or lenders, and then use that money to make loans, buy securities and provide other financial services to customers. These loans are then used by people and businesses to buy goods or expand business operations, which in turn leads to more deposited funds that make their way to banks.
Word study
Упражнение №15. Изучите новые слова.
1. to accept deposits принимать вклады
2. capital ['kæpɪtəl] капитал
3. to raise capital [reɪz 'kæpɪtəl] привлекать капитал, увеличивать капитал
4. invest [ɪn'vest] инвестировать, вкладывать деньги, капитал
5. investor [ɪn'vestə] вкладчик, инвестор
6. large investor крупный вкладчик
7. small investor мелкий вкладчик
8. loan [ləun] заём, ссуда
9. take a loan (from) брать ссуду
10. make loan предоставлять ссуду
11. securities [sɪ'kjuərətɪz] ценные бумаги
12. expand [ɪk'spænd] развивать, расширять
13. deposited funds (deposited money) – депонированные денежные средства
Writing
Упражнение №16. Составьте и запишите пять предложений
e.g.: If a bank helps people to expand business operations it will make loans.
| If a bank | 1. accepts deposits from customers 2. raises capital 3. helps people to expand business operations | it will | 1. raise capital 2. make loans 3. get more deposited funds 4. buy securities 5. provide financial services to customers |
Reading
Упражнение №17. Прочитайте и переведите текст “Do you Want to be an Entrepreneur?”
Текст № 4
Do You Want to be an Entrepreneur?
Have you ever considered starting your own business? Can you imagine making a lot of money or being an entrepreneur? Or maybe it is not worth taking the risk?
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If you start your own business, you will maybe borrow money from friends or family, or even from a bank. If you choose to borrow from a bank, you should arrange to see a bank manager to discuss the terms of a loan. But, you can expect to
have a lot of work. If you arrange a meeting with the bank, you will have to think over your idea and prepare all your figures.
The bank will certainly want to see a business plan. You will have to prepare a lot of information. You will have to prepare a cash flow forecast which shows how much money you expect to make in the first three years, plus how many customers you hope to win. You will also have to decide what kind of security you want to offer the bank.
If the bank agrees to give you a loan, your problems don't stop there because the bank will often require you to update them on your progress. The business plan allows them to see if you are meeting your forecasts and, if you fail, they may want to have the money back. Of course, if you agree to borrow the money, you will have to repay the loan plus interest. That can be the hardest part...
Word study
Упражнение №18. Изучите новые слова.
1. entrepreneur [ˌɑːntrəprə'nɜː] – бизнесмен, делец, предприниматель
2. the terms of a loan – условия займа
3. prepare all your figures – подготовить все количественные (аналитические) данные
4. a cash flow forecast – прогноз движения денежных средств (денежных потоков)
5. security – гарантия; залог
6. repay the loan – погашать заём
Упражнение №19. Расставьте предложения в правильном порядке:
1. You have to show the bank your business plan.
2. You have to repay the loan plus interest.
3. You should discuss the terms of a loan with a bank manager.
4. You have to think over your business idea.
5. You should borrow money from a bank.
6. You should prepare a cash flow forecast.
Unit IV
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