Проанализируйте предложения. Определите вид подчиненного предложения и способ его соединения с главным предложением. Переведите на русский язык.

1. When they send e-mail messages, they have to pay for their phone calls to their local service providers only.

2. I wonder where he is at this moment.

3. All the information that you need is in this report.

4. That was why he could not sign the contract.

 

 

5. Прочтите текст. Письменно переведите 3-4 абзацы, ответьте на следующие вопросы, а ответы письменно расположите их так, чтобы они могли быть планом к тексту.

BANKING INSTITUTIONS IN THE USA

 

There are two kinds of banking institutions in the USA: a saving bank and a commercial bank. Saving banks primary serve the consumer, commercial banks primary serve businesses. One of the main differences between them is in kind of loan they can grant. Saving banks can lend money to home buyers and home builders. Commercial banks can lend money for any purpose, such as buying a new car or buying a business.

Commercial banks are classified into national banks (chartered and supervised by Federal Government) and state banks (chartered and supervised by the state in which they are operated). All commercial banks can make loans to borrowers.

The United States has about 14000 banks, of which 6000 belong to the system operated by Federal Reserve Board. Through its member banks, the Federal Reserve issues money, acts as a financial clearinghouse and establishes required cash reserves that banks must maintain. By increasing and decreasing these reserve requirements, and by charging the interest rate for loans to banks from 12 regional Federal Reserve Banks, the Federal Reserve Board can regulate the money supply and there by attempt to control the rate of inflation in the economy.

Individual savings are usually deposited in interest-bearing accounts to several types of institutions – banks, saving and loan associations and credit unions that are usually established by employee groups. Americans also have the opinions of placing part of their money in saving bonds and treasury bills issued by federal government, or in privately operated mutual funds that invest the money in the stock market.

 

1. What do you know about the banks in the USA?

2. How can you classify commercial banks?

3. Where are individual savings usually deposited?

4. Whom do saving banks serve?

5. What is the role of commercial banks?

 

 

Вариант 3

Найдите в следующих предложениях герундий, инфинитив, причастие и выпишите их, указав часть речи.

1. The manager wants everything done immediately.

2. Marry stopped studying English.

3. Hе walked around saying nothing.

4. On finishing the translation he put it aside.

 

 

Вставьте нужный по смыслу предлог.

1. He tried very hard, and at last he succeeded … getting this job.

2. I have no intention … going to that conference.

3. His job is obtaining information … competitors.

4. There is no point … arriving half an hour early.

About, of, in, in

 

 

Поставьте глагол в скобках в нужную форму сослагательного наклонения.

1. If he were in, he (answer) the call.

2. Why don't we emigrate? If we (live) in Australia, our life will be different!

3. I should not have gone there if I (be) you.

4. What might happen if I (press) the button?

 

 

Проанализируйте предложения. Определите вид подчиненного предложения и способ его соединения с главным предложением. Переведите на русский язык.

1. What they want is no speak with our director.

2. Andrew who is a very good expert will look through the materials tomorrow.

3. Unless they accept our terms, we will not sign the contract.

4. You may rely upon what he says.

 

5. Прочтите текст. Письменно переведите 2-3 абзацы, ответьте на следующие вопросы, а ответы письменно расположите так, чтобы они могли быть планом к тексту.

FINANCIAL MANAGEMENT

 

In the past, financial management was not a major concern for a business. A company used to establish relations with a local bank. The bank handled the financing and the company took care of producing and selling.

Today only a few firms operate in this way. Usually businesses have their own financial managers who work with the banks. They negotiate terms of financial transactions, compare rates among competing financial institutions. Financial management begins with the creation of a financial plan. The plan includes timing and amount of funds and the inflow and outflow of money.

The financial manager develops and controls the financial plan. He also forecasts the economic conditions, the company's revenues, expenses and profits. The financial manager's job starts and ends with the company's objectives. He reviews them and determines the funding they require. The financial manager compares the expenses involved to the expended revenues; it helps him to predict cash flow. The available cash consists of beginning cash plus customer payments and funds from financing.

The financial manager plans a strategy to make the ending cash positive. If cash outflow exceeds cash inflow the company will run out of cash. The solution is to reduce outflows. Тhе financial manager can trim expenses or ask the customer to pay faster.

 

1. What does a financial manager do?

2. What helps a financial manager to predict cash flow?

3. Why do businesses have their own financial managers today?

4. What is a financial plan?

5. Why is a financial manager one of the most important persons in a company?

 

Вариант 4