They are the principal source of credit (loan ablefunds) for householders (individuals and families) and for most local units of government (school districts, cities, counties, etc.) Moreover, for small local businesses ranging from grocery stores to automobile dealers, banks are often the major source of credit to stock the shelves with merchandise or to fill a dealer’s lot with new cars. <...> When businesses and consumers must make payment for purchases of goods and services, more often than not they will use bankprovided checks or credit cards. <...> Nationwide and worldwide, banks grant more installment loans to consumers than any other financial institution and, in most years, they are among the leading buyers of bonds and notes issued by states and local governments to finance public facilities, ranging from auditoriums and football stadiums to airports and highways. <...> Banks are among the most important sources of short-term (working capital) loans to businesses and have become increasingly active in recent years in making long-term business loans for new plant and equipment. <...> Banks are those financial institutions that offer the widest range of financial services – especially credit, savings and payment services – and perform the widest range of the financial functions of any business firm in the economy. <...> Banks are financial service firms, producing and selling the professional and prudent management of public’s funds as well as performing many other roles in the economy. <...> While many people believe that banks play only a narrow role in the economy – taking deposits and making loans – the modern bank has had to adopt new roles in order to become competitive and responsive to public needs. <...> Banking’s principal roles are as follows: The intermediation role Transforming savings received primarily from householders into credit (loans) for business firms and others to make investments in new buildings, equipment, and other capital goods. <...> The payment role Carrying out payments for goods and services on behalf of their customers (such as by issuing and clearing checks, wiring funds, dispensing currency, etc.) The guarantor role Standing behind their customers to pay off customer debts when those customers are unable to pay (such as by issuing letters of credit <...>
Финансово-кредитная_деятельность_практикум_по_профессиональному_общению.pdf
Министерство образования и науки Российской Федерации
Федеральное агентство по образованию
Ярославский государственный университет им. П. Г. Демидова
Кафедра иностранных языков
Финансово-кредитная
деятельность
Практикум по профессиональному общению
Рекомендовано
Научно-методическим советом университета
для студентов, обучающихся по специальности
Финансы и кредит
Ярославль 2010
1
Стр.1
УДК 81:0/9
ББК Ш 143.21я73
Ф 59
Рекомендовано
Редакционно-издательским советом университета
в качестве учебного издания. План 2009/10 года
Рецензент
кафедра иностранных языков Ярославского государственного
университета им. П. Г. Демидова
Составитель Т. С. Казакова
Финансово-кредитная деятельность: практикум по
Ф 59
профессиональному общению / сост. Т. С. Казакова;
Яросл. гос. ун-т им. П. Г. Демидова. – Ярославль :
ЯрГУ, 2010. – 44 с.
Цель практикума – овладение студентами профессиональной
лексикой. Содержит творческие задания,
выполнение которых способствует совершенствованию
навыков устной речи, коррекции активных грамматических
навыков.
Предназначен для студентов, обучающихся по
специальности 080105.65 Финансы и кредит (дисциплина
«Английский язык», блок ГСЭ), очной формы
обучения.
УДК 81:0/9
ББК Ш 143.21я73
Ярославский
государственный университет
им. П. Г. Демидова, 2010
2
Стр.2
What is the bank?
Banks are among the most important financial institutions in the
economy and are essential business in thousands of local towns and
cities. They are the principal source of credit (loan ablefunds) for
householders (individuals and families) and for most local units of
government (school districts, cities, counties, etc.) Moreover, for
small local businesses ranging from grocery stores to automobile
dealers, banks are often the major source of credit to stock the
shelves with merchandise or to fill a dealer’s lot with new cars.
When businesses and consumers must make payment for purchases
of goods and services, more often than not they will use bankprovided
checks or credit cards. And when they need financial
information and financial planning, it’s the banker to whom they
turn most frequently for advice and counsel.
Nationwide and worldwide, banks grant more installment loans
to consumers than any other financial institution and, in most years,
they are among the leading buyers of bonds and notes issued by
states and local governments to finance public facilities, ranging
from auditoriums and football stadiums to airports and highways.
Banks are among the most important sources of short-term (working
capital) loans to businesses and have become increasingly active in
recent years in making long-term business loans for new plant and
equipment. Their deposits are the principal money medium for
global transactions and the principal channel for government
economy policy to stabilize the economy. For all these reasons and
more, banks are one of the most important of society’s institutions
to study and to understand.
Banks are those financial institutions that offer the widest range
of financial services – especially credit, savings and payment
services – and perform the widest range of the financial functions of
any business firm in the economy.
Banks are financial service firms, producing and selling the
professional and prudent management of public’s funds as well as
performing many other roles in the economy. Their success or
failure hinges on their ability to identify the financial services the
public demands, produce these services efficiently and sell them at a
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