2015-07-14
1776
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 projects. 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 they 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.
1.2 Соедините слова с их русскими эквивалентами. Перепишите выбранные вами варианты.
1. Crediting a)предоставленный
2. Securities b) знак
3. in return c)предоставлять
4. Given d)кредитование
5. Indication e)взамен
6. Extend f)ценные бумаги
7. Finance g)оценить
8. Expenditures h)злоупотреблять
9. Judge i)финансировать
10. Capacity j)залог
11. Collateral k)предоставленный
12. Abuse l)расходы
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1.3 Переведите следующие словосочетания на английский язык и перепишите их.
Кредитование, взамен, долг, дебитор, занимать, доверие, финансировать, потребитель, ссуда, заработать, кредитор.
1.4 Перепишите вопросы и письменно ответьте на них.
1. What is meant by the term “ credit”?
2. What does credit normally include?
3. How is most modern credit extended?
4. How must the lender judge each loan?
5. What is the debtor’s capacity to repay based on
II. Перепишите предложения, подчеркните инфинитив и определите его форму. Переведите предложения на русский язык.
1. The two sides appear to have solved the problem.
2. The management seem to be moving in the right direction.
3. We expected john to be elected.
4. Efforts to increase the productive capacity of the poorer nations will only be effective if these nations are able to increase their exports.
5. Customers and lenders may publicly regulate the terms of credit transactions to prevent abuses.
