Table Of ContentФЕДЕРАЛЬНОЕ АГЕНТСТВО ПО ОБРАЗОВАНИЮ
ГОСУДАРСТВЕННОЕ ОБРАЗОВАТЕЛЬНОЕ УЧРЕЖДЕНИЕ
ВЫСШЕГО ПРОФЕССИОНАЛЬНОГО ОБРАЗОВАНИЯ
«САНКТ-ПЕТЕРБУРГСКИЙ ГОСУДАРСТВЕННЫЙ УНИВЕРСИТЕТ
ЭКОНОМИКИ И ФИНАНСОВ»
ИНСТИТУТ ИНОСТРАННЫХ ЯЗЫКОВ
КАФЕДРА АНГЛИЙСКОГО ЯЗЫКА № 1
MONEY. THE BASICS
Сборник заданий и упражнений
ИЗДАТЕЛЬСТВО
САНКТ- ПЕТЕРБУРГСКОГО ГОСУДАРСТВЕННОГО УНИВЕРСИТЕТА
ЭКОНОМИКИ И ФИНАНСОВ
2010
2
Рекомендовано научно-методическим советом университета
Money. The Basics: Сборник заданий и упражнений.– СПб.: Изд-вo
CПбГУЭФ, 2010.– 40 с.
Сборник заданий и упражнений составлен в дополнение и на
основе учебного пособия «Market Leader Upper-Intermediate» и
посвящен тренировке лексических и грамматических навыков по темам
специальности «Статистика, учет и экономический анализ». Его также
можно использовать отдельно для отработки лексики по темам
«Бухгалтерский учет», «Финансы» и «Финансовые рынки». Подборки
терминов и разнообразные упражнения по темам позволяют студентам
освоить лексику по этим аспектам.
Сборник заданий и упражнений предназначен для студентов
3-4 курсов специальности «Статистика, учет и экономический анализ»
и может быть полезным для широкого круга лиц, изучающих
английский язык самостоятельно.
Составитель Н.М. Власов
Рецензенты: д-р филол. наук, профессор Ю.В. Ерёмин
канд. филол. наук, доцент А.В. Набирухина
© Издательство СПбГУЭФ, 2010
3
Введение
Данное издание является сопровождением к пособию «Market
Leader Upper-Intermediate» и может быть использовано в качестве
рабочей тетради. В отличие от заданий основного пособия,
развивающих навыки аналитического чтения, аудирования и устной
речи по темам специальности «Статистика, учет и экономический
анализ», упражнения практической части направлены на отработку
навыков употребления лексических единиц и грамматических структур
английского языка, обеспечивающих правильность письменной и
устной речи и расширение активного словаря.
Заданиям основного курса соответствует лексика, отобранная из
аутентичных текстов, снабженная дефинициями и уточненным
контекстом употребления, которая отрабатывается в упражнениях с
целью обеспечения непроизвольного запоминания и активизации по
темам специальности.
Для удобства использования студентами и преподавателями все
задания снабжены ключами, приведенными в конце пособия.
Работать со сборником можно как на классных занятиях, так и
в самостоятельном режиме в качестве домашних заданий.
4
Lesson 1: LENDINGS & BORROWINGS
loan - an amount of money that you borrow from a bank etc [a long-term
bank loan]
credit noun - 1. a source of pride or honor: -2. delayed payment an
arrangement with a shop, bank etc that allows you to buy something and pay
for it later,
debt - a sum of money that a person or organization owes
Exercise 1: What is correct? In pairs discuss which word fits the
sentence.
He received hundreds of dollars in loans/debts/credits from the financial
institutions.
If you need more money, we can arrange a loan/debt/credit.
I can't afford to buy a new sofa until I pay off this loan/debt/credit.
You are a loan/debt/credit to your school.
I can see from my monthly bank statements whether I'm in credit/loan/debt
or not.
The cheque has been indebted/credited/lent to your account.
It took us three years to pay off all our debts/loans/credits.
The government now has debts/loans/credits of $2.5 billion.
The government taxed fuel highly in order to finance the national
loan/debt/credit.
Consider this:
What is….?
-a loan on which you only repay the amount you borrowed?
-money lent to students to pay for university?
-money lent by a bank?
-to give back money you have borrowed?
-money lent to a business?
-money lent to an individual?
repay/pay off/pay back a loan; • bank loan; • personal loan; • business
loan; • student loan •interest-free loan
5
Exercise 2: Filling the gaps in the sentences with the words from the box.
When in trouble, go to HELP FILE. Many of the words used
numerously.
solvent, loans, credit rating, debt, loan, credit, credible, debts, credentials,
credited
1. Cox specialized in assisting borrowers who didn't qualify for
bank__________________.
2. Failure to repay a student loan can ruin that person's__________________.
3. Most new cars are bought on______________.
4. We've been financially ___________________for the last 5 years.
5. And a national _____________that took 200 years to reach a trillion
bucks, tripled in two presidential terms.
6. The bank offered him a _______________of £15,000 to set up a business.
7. What's the __________________limit on your Visa card?
8. He was unable to give a ______________explanation for his behaviour.
9. There are doubts over his ________________as a future Prime Minister.
10. She survived by taking out a bank ______________and working extra
hours.
11. We took out a _________________to buy a new car.
12. ____________________for this win goes to everybody in the team.
13. Most people have to make major purchases on_________________.
14. The organization asked for a $2 million _________________to plant new
trees in the rainforest.
15. He protected less profitable state farms by writing off
their______________.
16. We offer free banking for customers whose accounts remain
in___________________.
17. Companies need to know that those with whom they are trading are
________________and can pay for goods and services supplied to them
18. She had excellent __________________for the job.
19. In 2001, 56% of new cars were bought on____________.
20. On that same day, the Treasury Department will run out of money to pay
off the national_____________________.
21. Much of Manchester United's success can be _______________to their
manager.
22. Her excuse was barely____________________.
23. Lenders must try and protect themselves against bad_____________.
24. Mexico repaid its US _______________through a successful program of
economic reform.
6
25. To pay the interest on our foreign________________, we will have to
import less.
26. Take out a Midland personal _______________now and pay the money
back in easy stages.
HELP FILE
stores offering interest-free credit (=credit with no interest charges)
credit facilities (=the opportunity to buy something on credit)
to not owe any money=be in credit • be in the black • solvent • afloat
to buy something and pay for it later=get/buy something on credit
credentials.-anything that provides the basis for confidence, belief, credit,
etc.
credible adj.-capable of being believed; believable: a credible statement.
creditor n.-a person or firm to whom money is due (opposed to debtor).
credible explanation/story/account etc
credit rating - a judgment made by a bank or other company about how
likely a person or business is to pay their debts
creditworthy adj.-having a satisfactory credit rating.
money that someone owes=debt • overdraft • liabilities • borrowings • IOU
to owe a lot of money=be deep/heavily in debt • be up to your neck/ears in
debt
to owe money to someone=owe • be in debt • be overdrawn • be in the red
bad debt - a debt that is unlikely to be paid
national debt - the total amount of money owed by the government of a
country:
debit n.- the recording or an entry of debt in an account.
debtÆ service - the amount set aside annually in a fund to pay the interest
and the part of the
principal due on a debt.
7
Lesson 2: ASSET/ASSETS
asset - noun [countable]
1 [usually plural] the things that a company owns, that can be sold to pay
debts
-a corporation with $9 billion in assets
-the value of a company's assets
2 [usually singular] something or someone that is useful because they help
you succeed or deal with problems [≠liability]:
-A sense of humor is a great asset in this business.
-be an asset to somebody/something
-I think Rachel would be an asset to the department.
➔fixed assets, liquid assets
something that makes you more likely to be successful
advantage • asset • privilege
all the money that a person, company etc has
money • means • assets • finances • savings • resources
the things that someone owns
property • possessions • things • belongings • assets
Extra dictionary examples
A sense of humor is an important asset for any teacher.
Currently, they have $6,230,000 in assets.
Laney continues to be a great asset to the company.
The most powerful asset we have is our skilled, dedicated workforce.
Exercise 1: Fill the gaps with an appropriate word.
assets, advantage, possession, resources, asset
1. The finance company now has ______________of the house.
2. She had no financial __________________.
3. Western countries enjoyed considerable _______________ in terms of
technology.
4. At the time, Templeton had about $ 11 billion in___________________ .
5. Verbal fluency is an __________________ and for some people spoken
presentations are easy.
8
6. Companies that receive government subsidies have an unfair
___________________ .
7. Star Banc is a bank holding company with about $ 9.7 billion in
___________________ .
8. He had sold all his _________________ and left the country.
9. The police used every available ___________________ to track down the
killer.
9
Lesson 3: FAMOUS CHARLATANS
Getting going
Fraud, in law, general term for any instance in which one party deceives or
takes unfair advantage of another. Any means used by one person to deceive
another may be defined as fraud. For example, if a person represents himself
or herself as the agent of a business with which he or she is unconnected and
causes another to make a contract to the other party's disadvantage or injury,
the first party is guilty of fraud.
What do the underlined words mean? In pairs, make decision on
appropriate substitutions for these.
Before the text:
acumen- keen insight; shrewdness: remarkable acumen in business matters.
takeover- an acquisition or gaining control of a corporation through the
purchase or exchange of stock.
stock -the shares of a particular company or corporation.
arbitrage -Finance. the simultaneous purchase and sale of the same securities,
commodities, or foreign exchange in different markets to profit from unequal
prices.
securities - stocks and bonds.
responsible -involving accountability or responsibility: a responsible position.
inside information- derived from the inner circle of those concerned in and
having private knowledge of a situation:
fraud -deceit, trickery, sharp practice, or breach of confidence, perpetrated for
profit or to gain some unfair or dishonest advantage.
informer -a person who informs against another, esp. for money or other
reward.
severe- harsh; unnecessarily extreme; e.g.: severe criticism; severe laws
prison sentence -the judicial determination of the punishment to be inflicted
on a convicted criminal.
settlement -an arrangement or adjustment, as of business affairs or a
disagreement.
Exercise 1:
Put the words into the gaps.
settlement severe takeover responsible
10
1. He prevented a hostile _________________of the company.
2. I'm a _______________adult. I can make my own choices.
3. I would feel __________________if anything happened to the kids.
4. Drug smugglers can expect _________________ penalties.
5. The US faces ___________________economic problems.
6. The company paid out over $10 million in an out-of-
court____________________.
7. Mrs Williams says that the hospital was ___________________ for her
husband's death.
Exercise 2: Match the halves of the sentences.
His lawyers are understood to be negotiating a settlement.
Individuals will be responsible for his handling of the crisis.
We aim to educate our children to become socially responsible
citizens.
I would feel responsible should have been more severe.
The president came under severe of a regional TV company.
criticism
Many people feel the punishment for their own personal development
plans.
CBS has announced a takeover bid if anything happened to the kids.
Task A: Match the words to their translations.
tax accountant суровый приговор
arbitrage скупка и продажа ценных бумаг
acumen мошенничество с ценными
бумагами
takeover урегулирование
trader биржевой маклер; спекулянт
securities fraud проницательность,
сообразительность
government informer осведомитель; полицейский
осведомитель
prison sentence захват; овладение
severe sentence бухгалтер по налогообложению,
налоговый бухгалтер
settlement тюремное заключение, тюремный
срок
