VOCABULARY. Three different groups of inexperienced young business people in a small town require capital for their businesses

C.

B.

Role Play

Three different groups of inexperienced young business people in a small town require capital for their businesses. They all apply to the local branch of Megabank.

The tree groups of would-be borrowers must develop financial arguments that they think will convince the bankers. The group prepareing the role of the bankers has to think of questions about the viability of the future businesses: will they be successful, and why? Or why might they not be successful?

The roles are:

1. A junior manager (and assistants) at the bank, responsible for new local small businesses. To lend or not to lend, that is the question.

2. A group of young people who want to open a small specialist record shop seilling CDs of dance music.

3. A group of young people who want to buy an existing take-away business (the lease on the premises, the kitchens, the delivery scooters, and so on). The business is profitable, and well-known in the town, with loyal customers. The new owners can keep the same telephone number, and either keep or change the name.

4. A group of students who already operate a part-time computing consultancy service, advising small business on what hardware and software to buy, and how to set up a website. They want to borrow money to buy more computers for themselves, on which to try out elaborate new software programs.

Your teacher will give you further details about the roles. You have to prepare your questions or arquments in a group, after which one or two members of the groups of borrowers will be chosen to negotiate with the bankers.

Discuss the following issues.

1. Whom is an overdraft mostly used by and what are the advantages with it? Can students in your country make use of it?

2. What are the commodities that a bank trades in your country?

3. What changes have there been in personal banking recently? What further changes do you foresee in future?

4. If you possess a large sum of money, what are the pros and cons for the following: – putting it into a stock; – buying a bundle of lottery tickets; – taking it to (local) Las Vegas; – buying gold; – investing in real estate; – buying shares; – putting it in a bank?

5. How would you comment on the saying: “When America sneezes, the whole world catches a cold”?

6. What are the basic financial institutions in your country?

7. How can you get a loan from a bank in your country?

8. What large projects are being financed, or have recently been financed by foreign banks in your country? Find the information to make short reports in the class.

account n – счёт

current(Br)/checking(Am) ~ – текущий/расчётный счёт

deposit(Br)/time(Am) ~ – депозитный/срочный вклад

overdrawn ~ счет с отрицательным балансом

bankruptcy n – банкротство

blue chip n – голубая фишка (акции крупных, пользующихся уважением компаний)

bond n – облигация, ценная бумага

borrowing n – заем, кредит

broke adj – бедный, без гроша

to go ~ – разориться

cancel v,n – аннулировать, отменять

cater v – ориентироваться, обслуживать

charge v, n – назначать цену, относить на счет; плата

cheque (GB)/ check (US) n – счет

to clear a ~/ syn. to stop a ~ – оплатить счет

circulation n – обращение, кругооборот

collateral n – обеспечение кредита, залог

credit n – кредит, доверие

to be in~ syn. to be in the black – быть кредитоспособным, иметь деньги на счету

extension of ~ – предоставление кредита

currency n – валюта, деньги

custody n – опека, попечение

in safe ~ – на сохранении

deposit v – депонировать, положить на хранение

deposi t n – вклад, депозит, взнос

demand(BrE)/checking(AmE)~ – вклад до востребования

savings(Br)/time(Am) ~ – срочный, накопительный вклад

depositor n – вкладчик

deregulation n – децентрализация

insurance n – страхование

intermediary n – посредник

lend v – давать взаем, предоставлять кредит

loan n – кредит, заем

maturity n – срок платежа, погашения

merger n – слияние

mortgage n – ссуда на покупку жилья, ипотека

overdraft n – овердрафт; сумма, выдаваемая банком клиенту сверх остатка на его текущем счёте

offset v – возмещать, компенсировать

paid-in-capital – оплаченная часть акционерного капитала

pledge v – отдавать залог, закладывать

portfolio n – перечень ценных бумаг

price n – цена

futures ~ – фьючерская цена (цена на покупку или продажу товара с доставкой в будущем)

spot ~ цена на наличный товар, «спотовая цена»

rate n – ставка, уровень

base/discount ~ – учетная процентная ставка центробанка

interest ~ – процентная ставка

required reserve (ratio) – предписываемые законом резервы

reserve requirements – резервные требования

quote v – назначать цену, котировать

savings n – сбережения, накопления

share n – акция

shift v – перемещать, переводить

spread n (syn. margin) – спрэд (разница между предполагаемыми ценами покупки и продажи)

short notice – краткосрочное уведомление

standing order – постоянное поручение

statement n – отчёт, баланс

takeover n – поглощение

trustee n – попечитель, опекун

value n – ценность, стоимость

face/nominal ~ – номинальная стоимость

valuables n pl – ценности, драгоценности

underwrite v – гарнтировать размещение, подписывать

withdraw v – отзывать обратно, снимать со счета

yield n – доход по ценным бумагам с фиксированным процентом

Дата добавления: 2014-11-16