Название: Деловой английский. Ускоренный курс

Жанр: Филология

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Trade finance

Text

Next morning after having breakfast at the self-sevice bar of the hotel restaurant the participants went to the conference room to have a lecture on Trade Finance.

There was a folder on the big round table for each participant with the material relating to the lecture.

Here is one of the sheets of the file:

Trade finance

Trade needs finance

This must come from either the trader or from a lending institution.

If the trade is international then the  amount of finance is noimally greater

In general, trade is handled on credit

The buyer pays for the goods at a specified time after receipt

If the trade is international then delivery time adds to the delay in payment

This adds to the need for finance

Also in international trade the buyer uses one currency, the seller another

This requires an organisation with facilities for changing currencies

On both counts the Bank is the best source of finance

 

Thus this page gave the most important hints on the subject.

And Mr. Hill, the lecturer, explained and developed each statement. The participants sometimes interrupted him and asked questions. Sometimes Mr. Lvov came to help when there was a problem of speaking or understanding.

The lecturer devoted some part of the lecture to financing small business companies who usually enjoy better terms, reduced taxes and other facilities especially during the first years oftheir work.

Words and expressions

nineteen

 

девятнадцать (числ.)

finance

 

финансы

to finance

 

финансировать

next

 

следующий

next morning

 

на следующее утро

next evening

 

вечером следующего дня

next week

 

на следующей неделе

next lesson

 

на следующем уроке

breakfast

['brekf@st]

завтрак

to have breakfast

 

завтракать

folder

 

папка, скоросшиватель

on

 

на

round

 

круглый

table

 

стол

on the table

 

на столе

file

 

папка, досье

to need something

 

нуждаться в чем-либо

the need for something

 

потребность в чем-либо

to come from

 

приезжать из

(came — come)

 

 

either ... or ...

['аID@...'þ]

или или

trader

 

зд. продавец

to lend (lent — lent)

 

предоставлять кредит

institution

 

организация

lending institution

[InstI'tjüSn]

кредитная организация

amount

 

сумма

great

[greIt]

великий, большой

greater

 

еще больший

Then the amount of finance is greater.

 

В этом случае сумма финансирования увеличивается

in general

 

в целом

to handle

 

обращаться с, иметь дело

 

 

с, вести

credit

 

кредит

on credit

 

на условиях кредита, в

 

 

кредит

to handle trade on credit

 

вести торговлю, используя кредит

buyer

[baI@]

покупатель

goods

 

товар,товары

These goods are very good.

 

Этот товар очень хороший

receipt

[rI'sÖt]

получение

delivery

 

поставка

delivery time

 

срок поставки

delay

 

задержка

payment

 

платеж

delay in payment

 

задержка платежа

to use

 

использовать

currency

['kör@nsI]

валюта

to require

 

требовать

organisation

 

организация

facilities

[f@'sIlItIz]

средства, возможности,

 

 

льготы

to change

 

менять

on both counts

 

в обоих случаях

best

 

лучший

source

[sþs]

источник

the best source of finance

 

наиболее выгодный источник финансирования

thus

 

таким образом

to give (gave, given)

 

давать

hint

 

намек, совет

the most important hints

 

наиболее важные советы

subject

 

предмет, вопрос

hints on the subject

 

советы по данному вопросу

to explain

 

объяснять

to develop

 

развивать (ся)

statement

 

заявление, утверждение; отрицательный отчёт

to interrupt

 

прерывать

to understand (understood, understood)

 

 

понимать

to devote

 

посвящать

to devote something to

 

посвящать что-либо чему

something /somebody

 

или кому-либо

better

 

лучше

to reduce

[rI'djüs]

уменьшать (ся)

tax

 

налог

reduced taxes

 

сокращенные, уменьшенные налоги

 

Exercises

1. Read the following:

•               morning                      •          understanding

during                                    financing

having                                    changing

speaking                                                lending

•  next morning, next evening

•  after having breakfast

after having lunch

after having dinner

before having dinner

• There was a problem of speaking English.

There was a problem of understanding English.

It was a lecture on financing small business companies.

They enjoyed better terms during the first years of their work.

2. Underline the answers true to the text:

• When did the participants go to the conference room to have the first lecture?

The next morning.

The next afternoon.

The same day the group came to London.

• What material was prepared for the participants?

A video cassette on the topic of the lecture.

Material relating to the lecture.

A video cassette with sights of London.

• To what topic or subject was the first lecture devoted?

To banks.

To trade finance.

To management.

• Who was the lecturer?

Mr. Hill.

Another Englishmen. An American economist.

• Why did the participants interrupt the lecturer?

To ask questions.

To explain some statements to the other participants.

To develop some statements for the other participants.

• What did Mr. Lvov do during the lecture?

He didn't speak.

He only read the material in the folder.

He helped the participants to speak English and understand the lecturer.

 

• About what aspects of small business did the lecturer speak?

Only about some better terms during the first years of business.

Only about reduced taxes during the first years of business.

About better terms, reduced taxes and other facilities especially during the first years of business.

 

 

3. Translate into English:

Затем они отправились в конференц-зал.

М-р Хилл читал лекции "Финансирование торговли".

Перед каждым участником была папка с материалами.

Иногда участники прерывали м-ра Хилла и задавали вопросы.

Андрей помогал им, когда у них возникали затруднения с английским языком.

Лектор посвятил часть лекции малому бизнесу.

Он говорил о более выгодных условиях, сниженных налогах и других льготах.

4. Match English and Russian sentences:

Trade needs finance.

В обоих случаях лучшим источником финансирования являются банки.

This must come from either the trader or from a lending institution

Для торговли необходимо финансирование.

 

If the trade is international then the amount of finance is normally greater.

Оно (финансирование) должно исходить от продавца или финансовой организации.

In general, trade is handled on credit.

Покупатель оплачивает товар в указанный срок после получения товара.

The buyer pays for the goods at a specified time after receipt.

Это увеличивает потребность в финансировании торговли.

This adds to the need for finance

Если это внешняя торговля, то сумма финансовых средств обычно увеличивается.

On both counts the bank is the best source of finance.

Обычно торговля осуществляется с использованием кредитов.

 

5. Insert articles:

Finance must come from either ... trader or from ..          lending institution.

If tiade .. is international then ... amount of finance is normally gieatei.

. buyei pays for ... goods at ... specified time after receipt.

If .. trade is international then delivery time adds to ... delay in payment.

Also in international trade ... buyer uses one currency, .. seller another.

6. Insert prepositions:

In general trade is handled ... credit.

Then delivery time adds ... the delay ... payment.

This adds ... the need ... finance.

This requires an organisation ... facilities ... changing cuiiencies. . both counts the bank is the best source ... finance.

7. Translate into English:

папка с материалами                                         Торговля осуществляется с

использованием кредитов.

папка (скоросшиватель)                   источник финансирования

финансирование торговли                               в указанное время

продавец                                                               после получения

покупатель                                                           задержка платежа

в кредит                                                 валюта

8. Sum up what Mr. Hill said about:

sum up — суммировать

•  trade finance in general

• financing small business companies

9. Agree or disagree:

Small business companies pay reduced taxes in Russia.

10. Role play:

Imagine you are a lecturer. Speak on financing small business companies in Russia


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