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Language. 1. Practise reading the following words correctly





1. Practise reading the following words correctly. If necessary, use the

dictionary.

Guarantee, default, leasing, consortium, merchant, maturity, adverse

change, dispenser, personal identification number, cashier, cheque,

voucher, enquiry.

 


 

 

2. Give the Russian equivalents for the following words and phrases:

Financial institution, commercial bank, global business environ-

ment, market-driven strategies, competitive pressure, demand deposits,

floating-rate deposits, fluctuating economy, cashing checks, automated

teller machine, retail store point-of-sale (POS) terminals, correspon-

dent banking, borrowings, obligations, maturity, trustee, trustor, mort-

gage loans, overdrafts, interest-earning deposits, savings deposits, non-

negotiable certificates of deposit, automated withdrawal, telephone

transfer, overdrafts, loans, security, unsecured finance, exchange risk,

adverse charge, exchange rate, leads and lags, factoring services, export

merchants, eliminates the exchange risk, export agents, confirming

houses, Short-term export finance, merchant bank, accommodation fi-

nance, trade bill, accommodation bill, acceptance bill, accepting house,

the discount market, obtain payment, export order.

3. Fill in the blanks with the pronouns some, any, no, other, another and

the other:

1. Are there … commercial banks in your town? Yes, there are. 2. Is

there … money in your savings account? No, there isn’t …. 3. Does a

credit union lend … money to its members? Yes, it does. It lends … mon-

ey to its members. 4. Do pension funds invest … money into the indus-

try? No, they don’t. They invest … money into the industry. 5. There are

… commercial finance companies that provide collateralized loans to

businesses. 6. Our company lets the bank handle the financing while …

companies have their own financial people on the staff. 7. Big businesses

prefer long, term. financing while small companies prefer … short-term

financing. 8. Commercial bank … of the financial institutions that pro-

vide loans for financial institutes that serve businesses in savings and

loan association.

4. Fill in the blanks with many, much, little, a little, few and a few where

necessary:

1. … insurance companies protect their customers against risk. 2. It

takes one … money to join a credit union. 3. Starting a business without

financial support from the bank may cause you … trouble. 4. Banks in

the USA are subject to … government regulations. 5. Savings and Loan

Associations attract … small savers who do not want to have any risk.

6. Only … major customers can keep up with the rise of the service prices.

7. No matter how … money you have you can open a bank account.

8. Very … financial institutions nowadays keep off technical innovations

in the banking industry. 9. You can’t do without … cash on hand when

you go to a retailer shop.

 


 

 

5. Put the verb in brackets into the right tense form:

1. Large commercial banks (install) automatic teller machines nowa-

days. 2. Customers usually (use) their debit cards to transfer money from

their checking account to the merchant’s account. 3. As a rule a customer

(pay) a fee of forty cents for each transaction outside the state. 4. Finan-

cial supermarkets (appear) all over the USA these days. 5. The customers

often (look) around for the highest return on their savings or the lowest

rate they can get on a loan. 6. Small banks now (compete) with larger

banks by finding a special need and meeting it. 7. Small banks often

(develop) strong ties with businesses and the general public in their own

geographic area. 8. The Fed (lend) money to member banks. 9. Member

banks (obtain) money from the district reserve banks. 10. The Federal

Reserve System (receive) paper securities from the dealers that (receive)

cash in return. 11. The Fed (buy) the government securities and (in-

crease) the money supply. 12. Banks (keep) 20 percent of all the funds

on deposit. 13. Our firm (extend) its resources through the use of credit

next fiscal year. 14. I (invest) some more of other people’s money next

winter to expand my business. 15. The firm (secure) the mortgage by its

building and equipment when it decides to do so.

6. Change direct speech into indirect speech:

1. The retailer said, ‘You can buy machinery and tools on an open


account.’ 2. The customer said, ‘I bought a new car at your shop and it

needs repair.’ 3. The banker said, ‘I am opening a credit account for you.’

4. The businessman said, ‘As a rule, we sell our goods abroad.’ 5. The

manager said, ‘We haven’t raised enough money to expand.’ 6. The

wholesaler said, ‘I sold a large amount of tools to retailer shops but they

are not paying me in due time.’ 7. The manager asked, ‘Does this project

require long term financing?’ 8. The director asked, ‘Are we repaying

debts in due time?’ 9. The lender asked, ‘Have you found any collateral

to back up the loan with?’ 10. He asked, ‘Did this debt carry interest?’

11. The head of the company asked the Board of Directors, ‘Are we able

to repay the loan?’ 12. The manager asked the customer, ‘Can you wait

a little longer?’ 13. The borrower asked, ‘Do you require that we obtain

your permission before taking on another loan?’ 14. The bondholder

asked, ‘Is the bond a secured one?’ 15. The businessman asked, ‘Have

you used debentures in recent years?’ 16. The customer asked, ‘Were the

terms specified in any agreement?’ 17. The manager asked, ‘Is this really

an accurate assumption?’ 18. He asked, ‘Do you pay dividends quarterly

or annually?’ 19. We asked, ‘Did the investors prefer common stock?’

 

 


 

 

7. Fill in the blanks with the verbs can, may, must, have to, and need

where necessary:

1. The businessman … use the money which his friends offer to him.

2. We do not … an installment loan. We have enough personal assets.

3. My business went bankrupt, so I … sell my home to pay debts. 4. …

I obtain a loan from your venture capital firm? 5. We … apply for more

cash yesterday because we ran out of money. 6. The venture capital firm

… lend you about $20,000 to start your business with. 7. The company

doesn’t … additional cash. It receives high revenue. 8. The lender … be-

come a shareholder in a corporation. 9. You … not exceed the cash sur-

render value when you borrow from the insurance company.

8. A. Using suffixes -er, -or, -ier, -ent, -ial, etc., give nouns which are

related to the following:

Bank, invest, cash, manage, direct, office, deposit, own, execute,

work, hold.

B. Using suffixes -al, -able, -ory, -ive, etc., give adjectives which are

related to the following verbs:

Change, profits, control, sell, desire, speculate, negotiate, transfer,

pay, value.

C. Using prefixes il-, im-, in-, ir-, un-, non-, dis-, etc., give negative

adjectives which are related to the following:

Expensive, negotiable, regular, important, orderly, specified, legal,

payable, stable, matured, proper, sufficient, movable, profitable, trans-

ferable, active, licensed, listed, cleared, direct, endorsed, honoured.

9. Complete the sentences using the correct forms of the verbs given below.







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