In most financial centers, there are also branches of lots of foreign banks, largely doing Eurocurrency business. A Eurocurrency is any currency held outside its country of origin. The first significant Eurocurrency market was for US dollars in Europe, but the name is now used for foreign currencies held anywhere in the world (e. g. yen in the US, DM in Japan). Since the US$ is the world’s most important trading currency - and because the US has for many years had a huge trade deficit - there is a market of many billions of Eurodollars, including the oil-exporting countries’ ‘petrodollars’. Although a central bank can determine the minimum lending rate for its national currency it has no control over the foreign currencies. Furthermore, banks are not obliged to deposit any of their Eurocurrency assets at 0% interest with the central bank, which means that they can usually offer better rates to borrowers and depositors than in the home country.
3 Контрольная работа №2
3.2 Вариант 2
Exercise 1
Use verbs in brackets in a proper tense.
1. Bill said that his father (to be) in his office.
2. Tom thought he (to see) Ann at the party.
3. He didn’t know what Fred (to do).
4. Jack was unhappy he (to work) 14 hours a day.
5. Margaret was surprised he (to come).
Exercise 2
Translate into Russian.
1.Он сказал, что поедет в командировку зимой.
2. Я знала, что фирма заключила выгодный контракт.
3.Он рад что, презентация была успешной.
4. Мы знаем, что он хочет быть богатым и знаменитым.
5. Она расстроилась, что не сдала экзамен.
Exercise 3
Transform sentences into indirect speech.
1. She said, "I usually spend my holiday in the South".
2. Ann said to us, "They haven`t come yet".
3. Pete said, "I will not stay with my friends too long"
4. She said to us, "They arrived in St. Petersburg yesterday".
5. Mother said to us, "What are you doing here?"
6. "Do you like chocolates?" said my little sister to me.
Exercise 4
Transform the dialogue into indirect speech.
Jim: Are you going to London next week?
Kate: Yes, I`m. Why are you interested?
Jim: I ask because my brother lives there. Can you do me a favor and give him a small parcel from me?
re, I can.
Jim: Thank`s.
Kate: You`re welcome.
Exercise 5
Transform sentences into direct speech.
1. The teacher said not to be late for classes.
2. He asked where she worked.
3. The boss told me I would enjoy my new job.
4. She asked us if we liked her report.
5. The manager asked me to send him my Resume as soon as possible.
Exercise 6
From each pair of sentences make one sentence using an –ing clause.
Example: She was sitting in an armchair. She was reading a book.
She was sitting in an arm chair reading a book.
I got home. I was feeling very tired. I got … Jill was lying on the bed. She was crying. Jill was … The old man was walking along the street. He was talking to himself. The old man …Exercise 7
Choose the right Gerund form.
William II, the 7th Duke of Normandy founded his dynasty … Harold II to become William I of England. for killing in killing by killing Did he deserve …? praising having been praised being praised3. I remember … your letter.
Exercise 8
Translate into English.
Деньги и банки (продолжение)
Стоимость денег обычно является их стоимостью как средства обмена или как говорят экономисты их "покупательной способностью". Эта покупательная способность зависит от спроса и предложения. Спрос на деньги исчисляется количеством необходимым для заключения деловых соглашений. Рост бизнеса требует роста количества денег, выпускаемых в обращение.
Банки особо интересуются движением денег в экономике. Они часто сотрудничают с правительством в целях стабилизации экономики и предотвращения инфляции. Они специалисты в бизнесе по предоставлению капитала и размещению фондов в кредит. Банки изначально были созданы для того, чтобы люди приносили туда свои ценности для безопасного хранения, но в наши дни крупные мировые банки многофункциональны и служат не только защитниками ценного личного имущества.
Банки обычно получают деньги от своих клиентов в двух видах: на текущий банковский счет и на депозитный счет. С текущего банковского счета клиент может выписывать личные чеки. Банки по таким типам счетов не выплачивают проценты. По депозитным счетам клиент оставляет деньги в банке на минимальный предусмотренный период времени. Банк выплачивает проценты по таким вкладам. Банки в свою очередь одалживают эти деньги клиентам, которые нуждаются в капитале. Эта деятельность приносит проценты банку и эти проценты обычно выше тех, которые банк выплачивает по вкладам. Таким образом, банк получает свою основную прибыль.
Exercise 9
Translate into Russian.
Commercial or retail banks are businesses that trade in money. They receive and hold deposits, pay money according to customers’ instructions, lend money, offer investment advice, exchange foreign currencies, and so on. They make a profit from the difference (known as a spread or a margin) between the interest rates, they pay to lenders or depositors and those, they charge to borrowers. Banks also create credit, because the money they lend, from their deposits, is generally spent (either on goods or services, or to settle debts), and in this way transferred to another bank Accountoften by way of a bank transfer or a check rather than the use of notes or coins - from where it can be lent to another borrower, and so on. When lending money, bankers have to find a balance between yield and risk, and between liquidity and different maturities.
Merchant banks in Britain raise funds for industry on the various financial markets, finance international trade, issue and underwrite securities, deal with takeovers and mergers, and issue government bonds. They also generally offer stock-broking and portfolio management services to rich corporate and individual clients. Investment banks in the USA are similar, but they can only act as intermediaries offering advisory services, and do not offer loans themselves. Investment banks make their profits from the fees and commissions they charge for their services.
Список использованных источников
1. Андрюшкин английский. Бизнес-курс. «Феникс», 2004. – 413с.
2. , , . Английский для банкиров и брокеров, менеджеров и специалистов по маркетингу.— М.: НИП"2Р", 1994. – 351с.
3. Кумарова бизнес английский. Курс деловой лексики английского языка. – М.: АКАЛИС, 1997.-395с.
4. Louise Hashemi. English Grammar in pplementary Exercises. Cambridge University Press, 2002. – 126p.
5. Nina O’Driscoll, Fiona Scott-Barret. Business Challenges. Longman Group Limited, 1994.- 128p.
6. Raymond Murphy. English Grammar in Use for Elementary Students. Cambridge University Press, 2003. – 258p.
7. Raymond Murphy. English Grammar in Use for Intermediate Students. Cambridge University Press, 2002.- 350p.
8. , A Grammar of Present-day English: Practical Course. Грамматика современного английского языка. Издательство: "Книжный дом "Университет", 2004.- 448c.
9. A Grammar of Present-day English: Practice Book / Сборник упражнений по грамматике английского языка. |
Издательство: "Книжный дом "Университет", 2004. – 425c.
10. , Бизнес-курс. Английский язык. – Mосква, 2004
11. Слепович английский. – Минск ”ТетраСистемс”, 2005.
12. Дюканова язык для экономистов. – М.: “Инфра-М”, 2006.
13. Агабекян язык для экономистов.- Ростов н\Д: “Феникс”, 2005.
14. Андрюшкин английский. Бизнес-курс. «Феникс», 2004. – 413с.
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