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PART II. VOCABULARY



Unit 1. Forms of business organization

business – äåëî, ïðåäïðèÿòèå, áèçíåñ

type – òèï

partnership – ïàðòíåðñòâî

organize – îðãàíèçîâûâàòü

individual – èíäèâèäóàëüíûé

product – ïðîäóêò

risk – ðèñê

class – êëàññ

contract – êîíòðàêò

partner – ïàðòíåð

invest – èíâåñòèðîâàòü

management – ìåíåäæìåíò, óïðàâëåíèå

active – àêòèâíûé

role – ðîëü

in the variety of ways – ðàçíûìè ñïîñîáàìè

to raise some money – íàõîäèòü íåêîòîðîå êîëè÷åñòâî äåíåã

to make decisions – ïðèíèìàòü ðåøåíèÿ

to control the profits – êîíòðîëèðîâàòü ïðèáûëü

to put policies into effect quickly – áûñòðî äîñòè÷ü õîðîøèõ ðåçóëüòàòîâ

liability insurance – ñòðàõîâàíèå îòâåòñòâåííîñòè

the allocation of future profits and losses – ðàñïðåäåëåíèå áóäóùèõ ïðèáûëåé è óáûòêîâ

to have unlimited liability – èìåòü íåîãðàíè÷åííóþ þðèäè÷åñêóþ îòâåòñòâåííîñòü

to apply for the corporate charter – ïîäàâàòü çàÿâëåíèå íà êîðïîðàòèâíûé ïàòåíò

to elect the board of directors – èçáèðàòü ñîâåò äèðåêòîðîâ

to adopt bylaws – ïðèíèìàòü þðèäè÷åñêèå ïîëîæåíèÿ

Unit 2. Financial management

product – ïðîäóêò

investor – èíâåñòîð

manager – ìåíåäæåð

company – êîìïàíèÿ

information – èíôîðìàöèÿ

principle – ïðèíöèï

firm – ôèðìà

recommend – ðåêîìåíäîâàòü

analyze – àíàëèçèðîâàòü

plan – ïëàí

coordinate – êîîðäèíèðîâàòü

risk – ðèñê

system – ñèñòåìà

vice-president – âèöå-ïðåçèäåíò

to raise and spend money – çàðàáîòàòü è ïîòðàòèòü äåíüãè

to affect every aspect of the business – âëèÿòü íà ëþáîé àñïåêò áèçíåñà

balance sheet – áàëàíñîâûé îò÷åò

income statement – îò÷åò î äîõîäàõ

statement of cash flows – îò÷åò î äâèæåíèè íàëè÷íîñòè

to rely on accounting – îïèðàòüñÿ íà áóõãàëòåðñêèé ó÷åò

to add value to the business – äîáàâëÿòü öåííîñòü áèçíåñó

financial consequences – ôèíàíñîâûå ïîñëåäñòâèÿ

to maintain the present course – ïîääåðæèâàòü íàñòîÿùèé (ñóùåñòâóþùèé) êóðñ

to use the assets – èñïîëüçîâàòü èìóùåñòâî

to determine the financial expectations – îöåíèâàòü ôèíàíñîâûå îæèäàíèÿ

to forecast – ïðîãíîçèðîâàòü (ïðåäñêàçûâàòü)

to communicate – îáùàòüñÿ, ñîîáùàòü, ïåðåäàâàòü

board of directors – ñîâåò äèðåêòîðîâ

Unit 3. Basic financial statements

to get a clear picture ïîëó÷èòü ÿñíóþ êàðòèíó

balance sheet – áàëàíñîâûé îò÷åò

income statement – îò÷åò î äîõîäàõ

statement of cash flows – îò÷åò î äâèæåíèè íàëè÷íîñòè

firm’s profitability – ïðèáûëüíîñòü ôèðìû

revenues, expenses and income – âûðó÷êà, èçäåðæêè è äîõîä

short statement of retained earnings – êðàòêèé îò÷åò î íåðàñïðåäåëåííîé ïðèáûëè (÷èñòàÿ ïðèáûëü êîìïàíèè, íå ðàñïðåäåëåííàÿ ñðåäè àêöèîíåðîâ, à íàïðàâëåííàÿ â ðåçåðâû èëè íà äðóãèå öåëè (ðåèíâåñòèðîâàííàÿ â áèçíåñ))

assets, liabilities and equity – àêòèâû, ïàññèâû è àêöèè áåç ôèêñèðîâàííîãî äèâèäåíäà

long-term securities – äîëãîñðî÷íûå öåííûå áóìàãè

cash inflow – ïðèòîê íàëè÷íîñòè

cash outflow – îòòîê íàëè÷íîñòè

Unit 4. Sources of funds

financing – ôèíàíñèðîâàíèå

capital – êàïèòàë

bank – áàíê

company – êîìïàíèÿ, ôèðìà, ïðåäïðèÿòèå

commercial – êîììåð÷åñêèé

institution – èíñòèòóò

deposit – äåïîçèò

federal – ôåäåðàëüíûé

maximize – ìàêñèìèçèðîâàòü, óâåëè÷èâàòü

type – òèï, âèä

compensate – êîìïåíñèðîâàòü

firm – ôèðìà

dealer – äèëåð

risk – ðèñê

contract – êîíòðàêò

to borrow an amount of money – çàíèìàòü (áðàòü â äîëã) ñóììó äåíåã

different sources of financing – ðàçëè÷íûå èñòî÷íèêè ôèíàíñèðîâàíèÿ

to develop a new business – ðàçâèâàòü íîâûé áèçíåñ

to borrow from third parties – çàíèìàòü ó òðåòüèõ ëèö

to lend money to business – îäàëæèâàòü äåíüãè áèçíåñó (ïðåäïðèÿòèþ)

business loans – çàéìû áèçíåñó

to charge a higher interest – âçèìàòü áîëåå âûñîêèé ïðîöåíò

to get the charter – ïîëó÷èòü ïàòåíò

to receive funds from depositors – ïîëó÷àòü äåíüãè îò âêëàä÷èêîâ (èíâåñòîðîâ)

high interest rate – âûñîêàÿ ïðîöåíòíàÿ ñòàâêà

commercial paper – êîììåð÷åñêàÿ áóìàãà

pledge – çàëîã

collateral – ãàðàíòèÿ, ôèíàíñîâîå ïîðó÷èòåëüñòâî

factoring – ôàêòîðèíã

Unit 5. Making credit decisions

to meet the firm’s credit standards – ñîîòâåòñòâîâàòü êðåäèòíûì ñòàíäàðòàì êîìïàíèè

to satisfy – óäîâëåòâîðÿòü

capacity – ñïîñîáíîñòü, âîçìîæíîñòü

collateral – îáåñïå÷åíèå, äîïîëíèòåëüíîå îáåñïå÷åíèå

willingness to pay – ãîòîâíîñòü ïëàòèòü

to consider borrower’s past payment patterns – ðàññìàòðèâàòü ïðîøëûé ïîðÿäîê îñóùåñòâëåíèÿ ïëàòåæåé çàåìùèêîì

to grant a credit – ôèíàíñèðîâàòü êðåäèò

to liquidate – ëèêâèäèðîâàòü, âûïëà÷èâàòü äîëãè

to pay debts – ïëàòèòü äîëãè

to evaluate potential customers – îöåíèâàòü ïîòåíöèàëüíûõ êëèåíòîâ

creditworthiness – êðåäèòîñïîñîáíîñòü

credit scoring – ïðèñâàèâàíèå êðåäèòíîãî áàëëà

Unit 6. How funds flow through business

to purchase assets – ïîêóïàòü ñîáñòâåííîñòü, èìóùåñòâî

operating costs – îïåðàöèîííûå èçäåðæêè

employee salary – çàðïëàòà ðàáîòíèêàì

property taxes – íàëîãè íà èìóùåñòâî

license fees – ïëàòà çà ëèöåíçèþ

fixed costs – ôèêñèðîâàííûå èçäåðæêè

variable costs – ïåðåìåííûå èçäåðæêè

on the cash basis – íà íàëè÷íîé îñíîâå

to use credits – èñïîëüçîâàòü êðåäèòû

to pay the mortgage – âûïëà÷èâàòü çàêëàä (èïîòåêó)

leverage – ñîîòíîøåíèå âåëè÷èíû çàåìíîãî êàïèòàëà è îñíîâíîãî êàïèòàëà, çàïàñà òîâàðîâ è ñóììû êàïèòàëà, ñîîòíîøåíèå âëîæåíèé â ïðèâèëåãèðîâàííûå è îáû÷íûå àêöèè

cash reserve – ðåçåðâ íàëè÷íîñòè

availability of cash – äîñòóïíîñòü íàëè÷íîñòè

idle cash – íåçàíÿòàÿ (ñâîáîäíàÿ) íàëè÷íîñòü

to draw the interest – ïîëó÷àòü ïðîöåíò

Unit 7. Short-term financing

inventory – èíâåíòàðü

financing – ôèíàíñèðîâàíèå

operation – îïåðàöèÿ

reason – ïðè÷èíà

personal – ëè÷íûé

basis – áàçà, îñíîâà

transportation – òðàíñïîðò

start – íà÷èíàòü

normally – íîðìàëüíî, îáû÷íî

credit – êðåäèò

aggressive – àãðåññèâíûé

conservative – êîíñåðâàòèâíûé

legal – ëåãàëüíûé, çàêîííûé, þðèäè÷åñêèé

instrument – èíñòðóìåíò

limit – ëèìèò, îãðàíè÷åíèå

effective – ýôôåêòèâíûé

to obtain short-term financing – ïîëó÷àòü êðàòêîñðî÷íîå ôèíàíñèðîâàíèå

credit card – êðåäèòíàÿ êàðòà

to make the choice – äåëàòü âûáîð

to buy on the cash basis – ïîêóïàòü çà íàëè÷íûå

availability – äîñòóïíîñòü

liquidity – ëèêâèäíîñòü

profitability – ïðèáûëüíîñòü

trade off - ñáûâàòü, ìåíÿòüñÿ ìåñòàìè, ïîïåðåìåííî èñïîëüçîâàòü

to incur the transaction costs – íàâëåêàòü íà ñåáÿ, îïëà÷èâàòü ôèíàíñîâûå èçäåðæêè

to measure – èçìåðÿòü

annual interest rate – åæåãîäíàÿ ïðîöåíòíàÿ ñòàâêà

evidence of the lender’s claim on the borrower – ñâèäåòåëüñòâî ïðèòÿçàíèÿ çàèìîäàâöà ê äîëæíèêó

effective interest rate – ðåàëüíàÿ (äåéñòâèòåëüíàÿ, ýôôåêòèâíàÿ) ïðîöåíòíàÿ ñòàâêà

stated interest rate – îáúÿâëåííàÿ, óêàçàííàÿ ïðîöåíòíàÿ ñòàâêà

line of credit – êðåäèòíàÿ ëèíèÿ (ñïîñîá êðåäèòîâàíèÿ ïðè êîòîðîì áàíê îáÿçóåòñÿ êðåäèòîâàòü êëèåíòà â òå÷åíèå îïðåäåëåííîãî ñðîêà â îïðåäåëåííûõ ïðåäåëàõ)

trade credit – êîììåð÷åñêèé (òîðãîâûé, ôèðìåííûé) êðåäèò (êðåäèò, ïðåäîñòàâëÿåìûé ïðîäàâöîì èëè ïîñòàâùèêîì óñëóã ïîêóïàòåëþ â âèäå îòñðî÷êè ïëàòåæà çà ïðîäàííûå òîâàðû èëè îêàçàííûå óñëóãè)

credit-worthy – êðåäèòîñïîñîáíûé

to attract investors – ïðèâëåêàòü èíâåñòîðîâ

maturity – ñðîê ïëàòåæà ïî âåêñåëþ

Unit 8. The Investment Project “Cycle”

project – ïðîåêò

scheme – ñõåìà

period – ïåðèîä

phase – ôàçà

resources – ðåñóðñû

plan – ïëàí

cycle – öèêë

detail – äåòàëü

analysis – àíàëèç

document – äîêóìåíò

cement – öåìåíò

personnel – ïåðñîíàë, øòàò

identification – èäåíòèôèêàöèÿ, îïðåäåëåíèå

design – äèçàéí, ðàçðàáîòêà

agency – àãåíòñòâî

to achieve particular results – äîñòèãàòü îïðåäåëåííûõ ðåçóëüòàòîâ

to facilitate the development management – ñîäåéñòâîâàòü ìåíåäæìåíòó ðàçâèòèÿ

developmental phase – ôàçà ðàçâèòèÿ

operational phase – îïåðàöèîííàÿ ôàçà

to provide a flow of goods and services – îáåñïå÷èâàòü ïîòîê òîâàðîâ è óñëóã

investible resources – èíâåñòèðóåìûå ðåñóðñû

identification – èäåíòèôèêàöèÿ, óñòàíîâëåíèå, îïðåäåëåíèå

preparation – ïîäãîòîâêà

appraisal – îöåíêà

implementation – âûïîëíåíèå, îñóùåñòâëåíèå

monitoring and evaluation – ìîíèòîðèíã è îöåíêà (îïðåäåëåíèå êà÷åñòâà)

the designing of the identified project – ðàçðàáîòêà óñòàíîâëåííîãî ïðîåêòà

the physical putting into effect of the project – ôèçè÷åñêîå âíåäðåíèå ïðîåêòà

the tracking of the progress made – îòñëåæèâàíèå äîñòèãíóòîãî ïðîãðåññà

feasibility - îñóùåñòâèìîñòü, âûïîëíèìîñòü, âåðîÿòíîñòü, âîçìîæíîñòü

to justify spending resources – îïðàâäàòü çàòðà÷èâàåìûå ðåñóðñû

Unit 9.Financial Analysis and Project Participants

practical – ïðàêòè÷åñêèé

potential – ïîòåíöèàëüíûé

technical – òåõíè÷åñêèé

economic – ýêîíîìè÷åñêèé

social – ñîöèàëüíûé

aspect – àñïåêò

plan – ïëàí

method – ìåòîä

tariff – òàðèô

control – êîíòðîëü

demonstrate – äåìîíñòðèðîâàòü

structure – ñòðóêòóðà

coordinate – êîîðäèíèðîâàòü

historical – èñòîðè÷åñêèé

formulate – ôîðìóëèðîâàòü

information – èíôîðìàöèÿ

group – ãðóïïà

fundamental – ôóíäàìåíòàëüíûé

statistical – ñòàòèñòè÷åñêèé

publish – ïóáëèêîâàòü

to provide a practical means – îáåñïå÷èâàòü (ñëóæèòü) ïðàêòè÷åñêèì èíñòðóìåíòîì (ñðåäñòâîì)

an integral part – íåîòúåìëåìàÿ ÷àñòü

to determine the financial viability – îïðåäåëÿòü ôèíàíñîâóþ æèçíåñïîñîáíîñòü

to assess the adequacy – îöåíèâàòü ñîîòâåòñòâèå (àäåêâàòíîñòü)

to advise on – äàâàòü ñîâåòû

internal rate of return (IRR) - âíóòðåííÿÿ äîõîäíîñòü (ðåíòàáåëüíîñòü, ïðèáûëüíîñòü)

net present value (NPV) - ÷èñòàÿ ïðèâåäåííàÿ ñòîèìîñòü

to satisfy the financial requirements – óäîâëåòâîðÿòü ôèíàíñîâûì òðåáîâàíèÿì

to communicate measurements and information – ïåðåäàâàòü ðàñ÷åòû (èçìåðåíèÿ) è èíôîðìàöèþ

to monitor the progress of the project activities – ñëåäèòü çà ïðîãðåññîì äåÿòåëüíîñòè ïðîåêòà

to ascertain the security – óäîñòîâåðÿòüñÿ â áåçîïàñíîñòè

to give the best advice – äàòü íàèëó÷øèé ñîâåò

to judge the ability – ñóäèòü î ñïîñîáíîñòè

the prospects for expansion and for continuing employment – ïåðñïåêòèâû ðàñøèðåíèÿ è äàëüíåéøåãî òðóäîóñòðîéñòâà

to assess the creditworthiness – îöåíèâàòü êðåäèòîñïîñîáíîñòü

to check on excessive profiteering - ïðîâåðÿòü ÷ðåçìåðíóþ ïðèáûëü

to assess tax liability - îöåíèâàòü íàëîãîâóþ îòâåòñòâåííîñòü

to regulate the relationship – ðåãóëèðîâàòü îòíîøåíèÿ

to collect and publish statistical data – ñîáèðàòü è ïóáëèêîâàòü ñòàòèñòè÷åñêèå äàííûå





Äàòà ïóáëèêîâàíèÿ: 2014-12-28; Ïðî÷èòàíî: 269 | Íàðóøåíèå àâòîðñêîãî ïðàâà ñòðàíèöû | Ìû ïîìîæåì â íàïèñàíèè âàøåé ðàáîòû!



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