Прочитайте и переведите тексты на русский язык.
Ответьте на вопросы.
1. What faculty do you belong to?
2. What is your future specialty?
3. What makes a good economist?
4. What subjects are taught at the University?
5. What are the functions of the banks?
6. How can you continue your studies after graduating from the Economics and Management Faculty?
- Where can the graduates of your faculty work?
4. Найдите в тексте английские эквиваленты следующих выражений:
В ближайшем будущем; одна из самых важных сейчас; сотрудничать с правительством; определенный срок; по этой причине; по отношению друг к другу; следовательно; желание и способности; создавать новые модели; проводить исследования; экономические законы.
а) Credit and crediting.Credit - transactions between two parties in which one (the creditor or lender) supplies money, goods, services, or securities in return for a promised future payment by the other (the debtor or borrower). [Creditor is someone who money is owed to. Debtor is someone who owes money.] Credit given is an indication of trust in that person to pay for the goods given or money lent. Credit transactions normally include the payment of interest to the lender. Credit may be extended by public or private institutions to finance business activities, agricultural operations, consumer expenditures, or government protects. Most modern credit is extended through specialized financial institutions, of which commercial banks are the oldest, and most important. The lender must judge 'each loan he makes on the basis of the character of the borrower (his intention to repay), his capacity to repay (based on his potential for earning income), and his collateral (property or, other goods that you promise to give someone if you cannot pay back the money lent you). [Loan is an amount of money that you borrow from a bank.] Customers and lenders may publicly regulate the terms of credit transactions to prevent abuses.
б) Credit risk – in general, the risk that a lender will not be able to get the money loaned back from the borrower. To guard against this, the credit risk is assessed either by a lending manager at an interview, or by the submission of a specially prepared form which is designed to score the credit rating. Credit scoring is a method of measuring the risk factor in a personal lending situation. By using this computer method, the bank saves on management time, clerical costs, etc. The procedure only demands the time of a junior clerk to see that the customer completes the form correctly and such data as marital status, address, employment, income, etc. is fed into the computer and the answer is given. Should the answer be unreasonable, then the loan application can be referred to a senior official. Credit rating is a judgment made by a financial institution about how likely a person or business is to pay their debts. Credit rating is usually obtained through the banking system or through the credit analyst whose function is to research into the records / affairs of an individual or company to assess whether that person / entity has a degree of creditworthiness (creditworthy –considered to be able to repay debts).