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«Международные расчеты в банковской деятельности. Формы международных расчетов: банковский перевод, инкассо, аккредитив. (по ...»

Международные расчеты в банковской деятельности.

Формы международных расчетов: банковский перевод, инкассо, аккредитив.

(по специальности 38.02.07 «Банковское дело»)

(базовая и углубленная подготовки).

Основные термины

to pay

payer

payee

payment

Payment Order

sum, amount

principal (client, customer)

beneficiary

instruction

- платить

- плательщик

- получатель

- платеж

- платежное поручение

- сумма

- клиент, заказчик

- бенефициар

- инструкция

Урок 1

Новые слова

credit

debit

advice

No

reference (ref.)

- кредит

- дебет

- авизо (извещение)

- номер

- ссылка, референс

Упражнения

Переведите словосочетания:

Payment Order

платежное поручение

payment instruction

debit-advice

credit-advice

II. Переведите словосочетания:

advice No

номер авизо (извещения)

payment No

Payment Order No

credit-advice No

debit-advice No

III. Переведите словосочетания:

instruction – instructions

инструкция – инструкции

beneficiaries

principals

sums

amounts

payment orders

advice

IV. Переведите словосочетания:

principal’s reference

референс клиента (принципала)

payer’s reference

payee’s reference

beneficiary’s reference

V. Переведите словосочетания:

principal’s advice

beneficiary’s advice

principal’s instructions

beneficiary’s instructions

Урок 2

Новые слова

account

US dollar account

US, USD

cheque

details

order

your

our - счет

- счет в американских долларах

- обозначение американского доллара

- чек

- назначение

- приказ, распоряжение

- ваш, ваша, ваше, ваши

- наш, наша, наше, наши

Упражнения

Переведите на русский язык:

Payment Order No

cheque No

payment No

account No

Переведите словосочетания:

your (our) reference

ваш (наш) референс

your Payment Order

our instructions

your order

our cheque No

your Us dollar account

our credit-advice

your debit-advice

Переведите на русский язык:

details of payment

Назначение платежа

the order of our principals

the account of your bank

the amount of USD 34.10

the sum of USD 7,260.66

Переведите:

the account of our bank

the order of your principal(s)

the sum of USD 25.15

the amount of USD 3,350

the instructions of our bank

Переведите словосочетания:

for account of

за счет кого-либо

for account of the beneficiary (ies)

for account of the principal (s)

for account of our bank

for account of your bank

Урок 3

Новые слова

cable

airmail





please - телеграмма

- авиапочта

- пожалуйста

Упражнения

I. Переведите словосочетания:

by order of …

по распоряжению кого-либо

by order of our principals

by order of your bank

by order of your beneficiary

by order of our bank

II. Переведите словосочетания:

by order of our beneficiary (ies)

by order of your payer

by order of our principal (s)

by order of your payee

III. Переведите словосочетания:

payment to …

платеж кому-либо

Payment to your bank.

Payment to Baltic Shipping Company.

Payment to Tractoroexport.

Payment to the beneficiary.

IV. Переведите словосочетания:

by cable/ airmail

по телеграфу/ по авиапочте

Please pay to our bank

Please pay to Baltic Shipping Company.

Please pay to Tractoroexport.

Please pay to the beneficiary (ies).

V. Переведите словосочетания:

Please pay by cable.

Please pay by airmail.

Please pay to our beneficiary by cable.

Please pay to your payee by airmail.

Урок 4

Новые слова

charges

cable charges

less

commission

nett, net

nett amount - расходы

- телеграфные расходы

- за вычетом, минус

- комиссия, комиссионные

- чистый

- чистая сумма

Упражнения

Переведите следующие предложения:

By order of our bank please pay to our beneficiary the sum of USD 105.00 by cable.

By order of our principals please pay to Tractoroexport the sum of USD 205,170.00 by airmail.

Please pay for account of Tractoroexport.

Please pay for account of Baltic Shipping Company.

Переведите следующие фразы:

cable charges

телеграфные расходы

airmail charges

our bank charges

our principal’s charges

the beneficiary’s charges

Переведите предложения:

less charges

за вычетом расходов

Please pay less our charges.

Please pay less your cable charges.

Please pay to beneficiary less your airmail charges.

Please pay less our payment commission.

Переведите предложения:

charges (to) our account

расходы на наш счет

Please pay charges our account.

Please pay cable charges our account.

Please pay our beneficiary’s charges your account.

Please pay our principal’s charges your account.

Переведите фразы:

Nett amount USD 107,560.35

Nett amount USD 306,050.00

Nett amount USD 32.24

Nett amount USD 1,225,375

Урок 5

Новые слова

one

two

three

four

five

six

seven

eight

nine

ten - один

- два

- три

- четыре

- пять

- шесть

- семь

- восемь

- девять

- десять the first – 1st

the second – 2nd

the third – 3rd

the fourth – 4th

the fifth – 5th

the sixth – 6th

the seventh – 7th

the eighth – 8th

the ninth – 9th

the tenth – 10th - первый

- второй

- третий

- четвертый

- пятый

- шестой

- седьмой

- восьмой

- девятый

- десятый

Упражнения

Напишите цифрами следующие числительные:

two, seven, ten, four, eight, six, one, five, three, nine.

Переведите словосочетания:

two debit-advice

six cheques

three payment orders

five credit-advice

Какие порядковые числительные (до 10) имеют окончание “th”? Сколько их? Произнесите эти числительные.

Какие порядковые числительные (до 10) не имеют окончание “th”?

Урок 6

Новые слова

1. January

2. February

3. March

4. April

5. May

6. June - январь

- февраль

- март

- апрель

- май

- июнь

7. July

8. August

9. September

10. October

11. November

12. December

13. date - июль

- август

- сентябрь

- октябрь

- ноябрь

- декабрь

- дата

Упражнения

Переведите названия месяцев:

October, May, January, September, June, March, December, February, July, November, August, April

Переведите следующие даты:

10th March

10 марта

1st October, 7th February, 2nd June, 5th August, 3rd May, 4th January,

8th December, 6th November, 9th April

Переведите на английский и напишите следующие праздничные даты:

1 января, 2 мая, 7 января, 9 мая, 8 марта.

Переведите:

3rd September 20XX

третье сентября 20XX

3rd October, 3rd November, 3rd December.

Переведите:

Date:5th May 20XX

пятое мая 20XX

5th June, 6th July, 10th August.

Урок 7

Новые слова

1. dd. (dated)

2. to credit

3. to debit

4. to enclose

5. we - датированный, от (такого-то числа)

- кредитовать

- дебетовать

- прилагать

- мы

Упражнения

Переведите следующие фразы:

your credit advice dd. 6.5.XX

ваше кредитовое авизо от 6.5.XX

1. our debit-advice dd. 20.03.XX

2. your Payment Order No 1306 dd. 10.01.XX

3. our credit-advice dd. 3.12.XX

4. your payment dd. 5.06.XX

Переведите предложения:

Please credit our account with the sum

of USD 35.

Пожалуйста, кредитуйте наш счет

суммой (на сумму) 35 американских

долларов.

Please debit our account with the sum of USD 50.10.

Please credit your account with the sum of USD 360 by orderof our principals.

Please debit our USD dollar account with the sum of USD 39.

Please credit our account with the sum of USD 100 by cable.

Переведите фразы:

We enclose our credit-advice.

Мы прилагаем наше кредит-авизо.

We enclose our debit-advice.

We enclose your Payment Order No 12.

We enclose our payment instructions.

We enclose payment No 1037 dd. 15.05.XX.

Переведите предложения:

We enclose our principal's instructions.

We pay to your bank by cable.

We credit our account with the sum of USD 1005.21.

We debit your account with the sum of USD 20,000 by airmail.

Переведите предложения:

We enclose our cheque.

We pay the sum of USD 306 to your bank by airmail.

We credit your account with the sum of USD 10.

We debit our account with the sum of USD 15.10.

Урок 8

Новые слова

1. under advice

2. value

3. per pro - p.p - при уведомлении, извещении

- дата (срок) валютирования

- по доверенности

Упражнения

Переведите предложения:

We have paid.

Мы заплатили.

We have credited.

We have debited.

We have enclosed.

II. Переведите предложения:

We have debited your account under advice.

We have credited your account with the sum of USD 67 under advice.

We have paid the sum of USD 60.71 under advice to the beneficiary.

We have paid the sum of USD 100 to our principals under advice to your bank.

Переведите предложения:

We have credited your account

value 1.8.

XX.

Мы кредитовали ваш счет

сроком валютирования 1.8.XX.

We have debited your account value 5.4.XX.

We have credited your account value 12.7.XX.

We have paid USD 550 value 1.9.XX.

Переведите предложения:

We have credited the sum of your Payment Order to our account value 16.05.XX.

We have credited your account with the sum of USD 46.50 less our cable charges value 25.6.XX.

By order of our principals we have debited your account with the sum of USD 60 under advice to your bank value 6.3.XX.

Переведите фразы:

per pro

по доверенности

per pro Moscow Narodny Bank Limited

per pro Central Bank of Egypt

per pro Chase Manhattan Bank

per pro European American Bank

per pro Bank for Foreign Economic Affairs of Russia

Урок 9

Повторение темы "Платежные поручения"

Упражнения

I. Переведите фразы:

То the Bank for Foreign Economic Affairs of the RF

Moscow Russia

principal

principal's reference

per pro Moscow Narodny Bank Limited

II. Переведите:

Date: 10th August 20 XX

dd. 15.10.20 XXValue

III. Переведите:

nett amount

details of payment:

advice No:

Payment Order

credit advice

IV.Переведите фразы:

Please pay to...

Please debit our account.

Please pay under advice to our bank.

Please pay less our cable charges.

Please pay the sum of USD 7,260.66 charges our account.

By order of UK Mutual Steamship Association please pay for account of Baltic Shipping Company.

V.Переведите фразы:

We have credited your US dollar account No...

We enclose cheque/payment No...

We have credited your account with... by cable/airmail

Урок 10

Бланк

Упражнения

Переведите бланк платежного поручения:

Moscow Narodny Bank Limited

To

the Bank for Foreign

Economic Affairs of the Russian Federation

Moscow

Russia

DATE 1st March 20XX

ADVICE No 130010 PRINCIPAL

Bank...

Principal’s reference:…

DATE 1st March 20XX ADVICE No 130010

PAYMENT ORDER/CREDIT-ADVICE

PLEASE PAY TO:

For account of, or payment to, under advice:

Baltic Shipping Company

By order of:

UК Mutual Steamship Association

Details of payment:...

x

We have CREDITED your US dollar account No...

We ENCLOSE cheque/payment No...

Please DEBIT our account.

We have CREDITED your account with...by cable/airmailVALUE Please pay LESS CHARGES/

CHARGES OUR ACCOUNT THE SUM OF USD 7,260.66

our cable charges

commission

LESS

NET AMOUNT

per pro MOSCOW NARODNY BANK LIMITED

Раздел 3. Международные расчеты по коммерческим операциям.

Основные термины

1. to collect

2. collection

Collection Order

3. bill

4. Bill for Collection

B.C. B/C

5. advice of collection

6. draft

7. to accept

to accept a draft

8. acceptance

9. to draw a draft on

to draw on...

10. drawer

11. drawee

12. to deliver

to deliver documents

13. due date

14. maturity

maturity date

at maturity - инкассировать

- инкассирование, инкассо

- инкассовое поручение

- переводный вексель, тратта

-инкассо

- инкассо

- инкассовое извещение

- тратта, переводный вексель

- принимать, акцептовать

- акцептовать тратту

- акцепт, акцептование

- выставить тратту на...

- выставить на …т

- получатель, трассант

- плательщик, трассат

- доставлять, выдавать,

передавать

- выдавать документы

- дата платежа по тратте

(векселю)

- срок платежа, срок

погашения

- дата платежа

- при наступлении срока

платежа

Документы

Bill of Lading (B/L)

Invoice

Insurance Certificate

Package (Packing) list

Inspection Certificate

Certificate of Origin - коносамент

- счет-фактура

- страховое свидетельство

- упаковочный лист

- инспекционный сертификат

- свидетельство о происхождении

Урок 1

Новые слова

1. particulars

draft particulars

2. shipment

3. receipt

4. to receive

5. term

6. day - данные, описание

- данные по тратте

1) груз, партия

2) отгрузка, отправка

- получение

- получать

- срок

- день

Упражнения

Переведите слова:

day - days

день - дни

1. document - documents

2. check - checks

3. draft-drafts

4. instruction - instructions

5. drawer - drawers

6. drawee - drawees

II. Переведите фразы:

our (your) draft particulars

наши (ваши) данные по тратте

1. our Invoice

2. your B/L

3. our Packing List

4. your Certificate of Origin

5.our Collection OrderIII. Переведите фразы:

acceptance date

дата акцепта

maturity date

collection date

B/L date

acceptance date

shipment date

Переведите словосочетания:

the date of receipt

дата получения

the date of payment

the date of collection

the date of acceptance

the date of receipt

the date of shipment

the date of advice of collectionV. Переведите фразы:

five days from the date of receipt

пять дней с даты получения

eight days from the date of receipt of the documents

ten days from the date of receipt of the cable

seven days from the date of receipt of the cheque

nine days from the date of receipt of the Payment Order

two days from the date of receipt of the Collection OrderVI. Переведите предложения:

Please deliver the documents.

Пожалуйста, выдайте документы.

Please deliver your instructions.

Please deliver your Bill for Collection.

Please deliver your Collection Order.

Please deliver your draft particulars.

Please deliver the shipment particulars.

Урок 2

Новые слова

1. sheet

2. list

3. to attach

4. attached

5. as per

6. commodity

7. goods - лист

- список, лист

- прилагать

- прилагаемый

- согласно

- товар

- товар, товары

Числительные

1. eleven – 11

2. twelve – 12

3. thirteen – 13

4. fourteen – 14

5. fifteen – 15

6. sixteen – 16

7. seventeen – 17

8. eighteen – 18

9. nineteen – 19

10. twenty – 20

11. twenty-one – 21

12. thirty - 30 the eleventh

the twelfth

the thirteenth

the fourteenth

the fifteenth

the sixteenth

the seventeenth

the eighteenth

the nineteenth

the twentieth

the twenty-first

the thirtieth

- (the) 11th

- (the) 12th

- (the) 13th

- (the) 14th

- (the) 15th

- (the) 16th

- (the) 17th

- (the) 18th

- (the) 19th

- (the) 20th

- (the) 21st

- (the) 30th - одиннадцатый

- двенадцатый

- тринадцатый

- четырнадцатый

- пятнадцатый

- шестнадцатый

- семнадцатый

- восемнадцатый

- девятнадцатый

- двадцатый

- двадцать первый

- тридцатый

Упражнения

Переведите:

11th May

11 мая

21st March, 12th June, 30th August, 23rd July, 31st December, 20th September,

18th February, 19th April, 2nd January

Напишите дату своего рождения и знаменательную для Вас дату.

Переведите:

Thirty days from the date of receipt...

30 дней с даты получения...

1. Twenty days from the date of receipt of the documents.

2. Eleven days from the date of receipt of payment.

3. Eighteen days from the date of receipt of Payment Order.

4. Twenty five days from the date of shipment.

5. Twelve days from the date of acceptance.

6. Fifteen days from the date of receipt of the advice of collection.

7. Seventeen days from the date of receipt of the goods.III. Переведите фразы:

as per draft No28

согласно тратте №28

1. as per sheet No32

2. as per reference No 15

3. as per list No 18

4. as per instruction No l

5. as per draft No 12IV. Переведите:

as per draft particulars

согласно данным тратты

1. as per shipment particulars

2. as per collection particulars

3. as per commodity particulars

4. as per instruction particularsV. Переведите словосочетания:

as per attached sheet

согласно прилагаемому листу

1. as per attached document

2. as per enclosed instruction

3. as per attached list

4. as per attached draft

5. as per enclosed sheet

6. as per attached commodity list

VI.Переведите фразы:

the documents attached

прилагаемые документы

1. the instructions attached

2. the sum paid

3. the payment dated...

4. the draft drawn

5. the charges collected

6. the commission paid

VII.Переведите по образцу:

Please attach the B/L.

Пожалуйста, приложите коносамент.

1. Please attach the Invoice.

2. Please attach the draft.

3. Please attach the Package List.

4. Please attach the Certificate of Origin.

Урок 3

Новые слова

1. mail

2. by mail

3. by next mail

4. by return mail

5. one mail only only one mail

6. duplicate

7. copy

8. to follow - почта

- почтой

- ближайшей почтой

- обратной почтой

- только одна почта

- дубликат документа, копия

- копия, экземпляр

- следовать, соблюдать

Упражнения

Переведите:

by mail

почтой

1. by airmail

2. by 1st mail

3. by 2nd mail

4. by next mail

5. by return mail

II. Переведите:

by mail only

только почтой

1. by airmail only

2. by cable only

3. for information only

4. two days only

5. the fifth copy only 1. only by airmail

2. only by cable

3. only for information

4. only two days

5. only the fifth copy

III. Переведите предложения:

Payments follow by next mail.

Платежи следуют ближайшей почтой.

1. Instructions follow by next mail.

2. Duplicate documents follow by airmail.

3. Duplicates follow by 1st mail.

4. Duplicate invoices follow by 2nd mail.

5. Instructions follow by return mail.IV. Переведите предложения:

Please follow the instructions.

Пожалуйста, соблюдайте инструкции

(следуйте инструкциям)

1. Please enclose the duplicate documents.

2. Please attach a copy of the invoice.

3. Please follow the shipment instructions.

4. Please attach the commodity list.

5. Please accept the draft.

Урок 4

Новые слова

1. the following

2. quantity

3. subject to

subject to the (rules)-

4. shown

5. below shown below

6. from... to from Japan to Russia

7. vessel

8. New York

9. Tokyo - следующий (ая) ее, ие

- количество

- при условии

- при соблюдении правил

- указанный, представленный

- ниже

- указанный ниже

- из... в

- из Японии в Россию

- судно

- Нью-Йорк

- Токио

Упражнения

I. Переведите фразы:

the following documents for collection

следующие документы на инкассо

the following documents for acceptance

the following documents for payment

the following drafts

the following terms

the following charges

the following amount

II. Переведите предложения:

We enclose the following documents.

Мы прилагаем следующие документы.

1. We enclose the following drafts.

2. We enclose the following instructions.

3. We attach the following lists.

4. We draw the following drafts.

5. We enclose the following documents for collection.

6. We enclose the following documents for acceptance.III. Переведите предложения:

The instructions shown below.

Инструкции, указанные ниже.

1. The shipment particulars shown below.

2. The information shown below.

3. The commodity particulars shown below.

4. The maturity date shown below.

5. The due date shown below.

IV. Переведите предложения:

The draft drawn on the drawee.

Тратта, выставленная на плательщика

The draft drawn on the payer.

The draft drawn on the bank.

The draft drawn on the beneficiary.

The draft drawn on the firm.

The draft drawn on N.Y.

V. Переведите фразы:

Subject to the rules...

При соблюдении правил...

Subject to the instructions...

Subject to the following instructions...

Subject to the instructions shown below...

Subject to the rules shown below...

Subject to the Rules for Collection...

Subject to the Rules for Acceptance...

VI. Переведите предложения:

Shipment from Russia to Japan.

Отгрузка из России в Японию.

1. Shipment from Japan to Russia.

2. Commodity from the USA to Japan.

3. The vessel "Fedor Petrov" from Russia to Japan.

4. The shipment from New York to London.

5. The vessel "Fedor Shaliapin" from Japan to Russia.

6. The correspondence from Moscow to Tokyo.

Урок 5

Повторение уроков 1–4

Упражнения

I. Переведите:

Draft particulars:

amount: USD 5,687

draft No ES 2942

date: 22nd November, 20XX

term: 20 days from date of receipt of documents

II. Переведите:

Shipment particulars:

commodity: cutting tools

quantity: 125

B/L date: 18.5.XX

III. Переведите:

The documents attached:

1. Invoice

2. Bill of Lading (B/L)

3. Insurance Certificate

4. Package List

5. Inspection Certificate

6. Certificate of OriginIV. Переведите:

1. We enclose the following drafts and documents for acceptance subject to the instructions shown below.

2. The documents attached: Invoice, B/L, Insurance Certificate, Certificate of Origin, Package List, Inspection Certificate

3. Draft particulars: No, amount, date, term, drawer, drawee.

4. Shipment particulars: commodity & quantity, vessel from... to...

Урок 6

Упражнения

I. Переведите часть бланка:

ADVICE OF COLLECTION

to BANK FOR FOREIGN

ECONOMIC AFFAIRS OF RUSSIA

3/5 KOPIEVSKY-LANE

MOSCOW

Russia DATE: 9.5.XX.

Our Ref. 356/42/06730

We enclose the following documents for acceptance subject to the instructions shown below.

DRAFT PARTICULARS:

AMOUNT JPY 5,260,358 DATE 1.5.XX DRAWER NICHIMEN EUROPE

№ES 2658 term 10 days from DRAWEE MACHINOIMPORT

SHIPMENT PARTICULARS: date of receipt of docs.

COMMODITY & QUANTITY FROM JAPAN B/L DATE

CUTTING TOOLS BY FEDOR PETROV TO RUSSIA 28,4.XX

DOCUMENTS ATTACHED: (Duplicate documents follow by next mail)

MAIL DRAFT INV. B/L INSCE PKG.L. INSP. CERT. CERT OF ORIGIN

1st AS PER ATTACHED SHEET

2nd ONE MAIL ONLY:

Урок 7

Новые слова

1. to present for

2. to protest

3. non-acceptance

4. non-payment

5. against

6. written

7. undertaking written undertaking

8. to insure - предоставлять, предъявлять к

- протестовать, опротестовывать

- непринятие, отказ от акцепта

- неплатеж

- против

- письменный

- обязательство

- письменное обязательство

- страховать

Упражнения

I. Переведите предложения:

Please present for payment.

Пожалуйста, предъявите к оплате.

1. Please present the draft for payment.

2. Please present the accepted draft for payment.

3. Please present the draft for collection.

4. Please present the check for collection.

5. Please present the invoice for acceptance.

II. Переведите слова:

protest do not protest

протестуйте не протестуйте

1. present do not present

2. deliver do not deliver

3. enclose do not encloseIII. Переведите фразы:

Protest for non-payment

Протестуйте при неуплате Do not protest for non-payment

Не протестуйте при неуплате

1. Protest for non-acceptance.

2. Insure the commodity.

3. Present the documents for acceptance.

4. Present the invoice for payment.

5. Protest for non-payment. Do not protest for non-acceptance.

Do not insure the commodity.

Do not present for acceptance.

Do not present the invoice.

Do not protest for non-payment.

IV. Переведите фразы:

to pay at maturity

платить при наступлении срока

1. to pay the Bill for Collection at maturity\

3. to present the bill for payment at maturity

4. to present the draft for payment at maturity

V. Переведите предложения:

Deliver documents against payment.

Выдайте документы против платежа.

1. Deliver documents against acceptance.

2. Deliver documents against undertaking.

3. Deliver documents against written undertaking.

4. Deliver documents against the drawee's written undertaking.

5. Deliver documents against payment

Урок 8

Новые слова

1. advice of dishonour

2. to give

3. us

4. reason

5. to advise

6. to cable

7. to airmail - извещение о неакцепте/неплатеже

- 1) давать 2) представлять

- нам

- 1) причина 2) основание

- извещать, информировать

- телеграфировать

- посылать авиапочтой

Упражнения

I. Переведите предложения:

Advise acceptance by mail.

Сообщите об акцепте почтой.

1. Advise payment by airmail.

2. Advise acceptance by cable.

3. Advise non-payment by airmail.

4. Advise non-acceptance by cable.

5. Advise maturity date by return mail.

II.Переведите предложения:

Advise us (of) payment.

Сообщите нам о платеже.

1. Advise us (of) acceptance.

2. Advise us (of) maturity date.

3. Advise us (of) non-payment.

4. Advise us (of) non-acceptance.

5. Advise us (of) reasons.

III.Переведите предложения:

giving reasons

указав причины

1. Advise us (of) non-acceptance giving reasons.

2. Advise us (of) non-payment giving reasons.

3. Cable non-payment giving reasons.

4. Cable advice of dishonour giving reasons.

5. Airmail advice of dishonour giving reasons.

Урок 9

Новые слова

interest

to collect interest

the above

annum

per annum (p.a.)

per cent / %

at5% (per cent)

if any

JPY

as follows - проценты

- инкассировать, взимать проценты

- вышеуказанный- год

- в год, ежегодно

- процент / %

- на 5%, в размере 5%

- если таковые имеются

- обозначение японской йены

- следующий

Упражнения

I. Переведите словосочетания:

the above date is

вышеуказанная дата

1. the above document is

2. the above collection is

3. the above draft is

4. the above date is

5. the above reference is

6. the above amount isII. Переведите фразы:

Our charges are...

Наши расходы...

1. Your charges are...

2. Your cable charges are...

3. Your mail charges are...

4. Our principals are...

5. Our beneficiaries are...

6. Our clients are...

III. Переведите предложения:

Shipment particulars are as follows...

Данные об отгрузке следующие...

1. Draft particulars are as follows...

2. Our instructions are as follows...

3. Our references are as follows...

4. The attached documents are as follows...

5. The quantities are as follows...IV. Переведите предложения:

Please collect our charges.

Пожалуйста, инкассируйте наши расходы.

1. Please collect our bank charges.

2. Please collect our cable charges.

3. Please collect our charges of USD 568.

4. Please collect our charges of JPY 6,780.

5. Please collect our charges of GBP 48.

V. Переведите предложения:

Please collect interest at 2 % per annum.

Пожалуйста, получите проценты в размере 2% годовых

1. Please collect interest at 3% per annum.

2. Please collect interest at 3.5% per annum.

3. Please collect interest at 2.5% per annum,

4. Please collect interest at 4.2 % per annum.

5. Please collect interest at 1.5% per annum.

VI. Переведите предложения:

Your charges, if any, are for your account.

Ваши расходы, если таковые имеются, за ваш счет.

1. The bank charges, if any, are for our account.

2. The cable charges, if any, are for our account.

3. The telex charges, if any, are for your account.

VII. Переведите предложения:

Your charges are for the drawee's account.

Ваши расходы за счет плательщика.

1. Your charges are for the payer’s account.

2. Your charges are for the bank’s account.

3. Your charges are for our account.

4. Your charges are for the account of the payer.

5. Your charges are for the account of the drawee.

Урок 10

Повторение уроков 1-8 (Тема "Инкассо")

Переведите:

1. Protest for non-payment.

Do not protest for non-payment.

Protest for non-acceptance.

Do not protest for non-acceptance.

Deliver the documents against payment.

Deliver the documents against acceptance.

Deliver the documents against the drawee's written undertaking.

Deliver the documents against the drawee's written undertaking to pay the invoice amount at maturity.

Cable advice of dishonour giving reasons.

Please collect interest from the above date.

Please collect interest from the above date to the payment at 5% per annum.

Advise payment by airmail.

Your charges, if any, are for the drawee’s account.

Урок 11

Прочитайте часть бланка:

X DELIVER DOCUMENTS AGAINST ACCEPTANCE/PAYMENT

PROTEST/DO NOT PROTEST FOR NON-PAYMENT/NON-

ACCEPTANCE

X CABLE ADVICE OF DISHONOUR GIVING REASONS

X PRESENT FOR ACCEPTANCE AND ADVISE US THE

MATURITY DATE BY AIRMAIL

X ADVISE PAYMENT BY CABLE

X PLEASE COLLECT INTEREST FROM THE ABOVE DATE

TO THE PAYMENT/DUE DATE AT 3% PER ANNUM (P.A.)

X PLEASE COLLECT OUR CHARGES OF JPY 4,759

X YOUR CHARGES, IF ANY, ARE FOR DRAWEE’S

ACCOUNT

Урок 12

Новые слова

1. to authorize, authorise

2. to remit

3. remitter

4. proceeds

5. CHIPS - уполномочивать, разрешать

- переводить (деньги), ремитировать

- переводоотправитель

- выручка, доход (ы), поступления

- ЧИПС, компьютеризированная сис-

тема межбанковских расчетов

Упражнения

I. Переведите предложения:

Please authorise us to debit your account.

Просим разрешить нам дебетовать ваш счет.

1. Please authorise us to debit your account with the bank.

2. Please authorise the Bank for Foreign Economic Affairs of the USSR to debit your account.

3. Please authorise us to debit your account on due date.

4. Please authorise us to collect interest from the above date.

5. Please authorise Sanwa Bank London to debit your account.II. Переведите предложения:

Please remit the proceeds by cable.

Пожалуйста, переведите поступления телеграфом

1. Please remit the proceeds by mail.

2. Please remit the proceeds by airmail.

3. Please remit the proceeds by CHIPS.

4. Please remit the proceeds by CHIPS to Sanwa Bank, N.Y.

5. Please remit the proceeds by CHIPS to Sanwa Bank, London.

III. Переведите:

Please remit the proceeds to our account.

Пожалуйста, переведите поступления (выручку)

на наш счет

1. Please remit the proceeds to the Banker’s account.

2. Please remit the proceeds to our Payer’s account.

3. Please remit the proceeds to the Bank for Foreign Economic Affairs of the

USSR.

4. Please remit the proceeds lo the drawee’s account.

5. Please remit the proceeds to European American Bank.

Урок 13

Новые слова

1. kindly

2. to hold

3. to send

4. with

account with a bank

5. LTD (limited) - будьте любезны

- держать; хранить

- посылать, отправлять

- в, у

- счет в банке

- с ограниченной ответственностью

Упражнения

I. Переведите словосочетания:

account with Lloyds Bank, London

счет в Ллойдз Банке, Лондон

1. an account with the Bank for Foreign Economic Affairs of the USSR

2. an account with Chase Manhattan Bank

3. an account with Sanwa Bank, London

4. an account with Sanwa Bank, Ltd. Tokyo

5. an account with Sanwa Bank, New York

II. Переведите предложения:

Kindly hold the accepted draft.

Просим хранить акцептованную тратту

1. Kindly advise the maturity date.

2. Kindly hold the payment documents.

3. Kindly cable non-payment giving reasons.

4. Kindly hold the accepted drafts.

5. Kindly pay the invoice amount at maturity.III. Переведите:

Kindly send us your draft

Пожалуйста, высылайте вашу тратту.

1. Kindly send us your banker's payment.

2. Kindly send us your draft drawn on N.Y.

3. Kindly send us your banker's draft drawn on N.Y.

4. Kindly send us the duplicate of your payment instructions.

5. Kindly send us the Packaging List.

IV. Переведите:

1. to protest - protest

2. to debit - debit

3. to credit - credit

4. to cable - cable

5. to mail - mail

6. to accept - acceptance

7. to collect - collection

8. to insure - insurance

9. to remit - remittance

10. to draw - drawer, drawee

Урок 14

Повторение уроков 12-13

Переведите:

1. Please authorise us to debit your account on due date.

2. Please remit the proceeds by cable by CHIPS to Sanwa Bank, New York for

account of Sanwa Bank, London under advice to us.

3. Please remit the proceeds by cable/airmail to our account No381 with Sanwa

Bank Ltd., Tokyo under advice to us.

4. Please send us your banker’s payment.

5. Please send us your draft drawn on New York.

6. Kindly hold the accepted draft and present to the drawee for payment at

maturity.

Урок 15

Бланк

Прочитайте и переведите часть бланка:

PLEASE AUTHORISE US TO DEBIT

YOUR ACCOUNT ON DUE DATE

PLEASE REMIT THE PROCEEDS BY CABLE TO SANWA BANK

NEW YORK FOR ACCOUNT OF SANWA BANK LONDON

UNDER ADVICE TO US

X PLEASE REMIT THE PROCEEDS BY CABLE TO OUR ACCOUNT

No381 WITH SANWA BANK LTD TOKYO UNDER ADVICE TO US

PLEASE SEND US YOUR BANKER'S PAYMENT/DRAFT

DRAWN ON NEW YORK

KINDLY HOLD THE ACCEPTED DRAFT AND PRESENT TO THE

DRAWEE FOR PAYMENT AT MATURITY

Тема. Форма международных расчетов: чеки.

(уроки 1-7)

Основные термины

1. cheque (check)

2. to the order of

3. to honour (honor)

4. presentation on presentation

5. valid

6. month

7. issue

8. which

9. from

10. for

11. and12. no

13. signature - чек

- приказу

- платить

- предъявление

- по предъявлении

- действительный

- месяц

- выписка

- который

- с

- в течение- и

- нет, никакой, никакая, никакое,

никакие

- подпись

Урок 1

Новые слова

1. 20-twenty

2. 30 - thirty

3. 40 - forty

4. 50 - fifty

5. 60 - sixty

6. 70 - seventy

7. 80 - eighty

8. 90 - ninety

9. 100 - a (one) hundred twentieth - 20th

thirtieth - 30th

fortieth - 40th

fiftieth - 50th

sixtieth - 60th

seventieth - 70th

eightieth - 80th

ninetieth - 90th

hundredth-100th

Упражнения

I. Произнесите по-английски следующие числительные:

1. 21

2. 57

3. 63

4. 94

5. 85

II. Произнесите по-английски следующие числительные:

1. 105

2. 320

3. 501

4. 478

5. 962

III. Произнесите по-английски следующие дроби:

15/100, 88/100, 3/100, 1/100, no/100

Урок 2

Новые слова

1. DEM

2. mark

3. Deutsche

4. this

5. these - обозначение марки ФРГ

- марка

- немецкий (из немецкого языка)

- этот, эта, это

-эти

Упражнения

I. Переведите:

Pay the sums to... which please

honour on presentation.

Платите сумму... которую,

пожалуйста, уплатите по

предъявлении.

1. Pay the sum to Central Bank of Egypt which please honour on presentation.

2. Pay the amount to Moscow Narodny Bank which please honour on presentation.

3. Pay this sum to the Bank for Foreign Economic Affairs which please honour on

presentation.

4. Pay these amounts to our bank which please honour on presentation.

II.Переведите:

We have credited this amount to your account.

Мы кредитовали эту сумму на ваш счет.

1. We have credited this sum to your account.

2. You have credited these amounts to our account.

3. We have credited the amount of DEM 500 to your account.4. You have credited these amounts to our account.

III.Переведите:

Please debit your account with this amount.

Пожалуйста, дебетуйте ваш счет на эту

сумму (этой суммой).

1. Please debit our account with this sum.

2. Please debit your account with these charges.

3. Please debit our account with your commission.

4. Please debit your principals’ account with our cable charges.

IV.Переведите:

The cheque is valid for five months from

the day of issue.

Чек действителен в течение пяти

месяцев со дня выписки.

1. These cheques are valid for three months from the day of issue.

2. The cheque is valid for six months from the day of issue.

3. This cheque is valid for four months from the day of issue.

4. These five cheques are valid for six months from the day of issue.

Урок 3

Повторение уроков 1,2

Упражнение

Переведите:

Pay to Quelle the sum of Deutschemarks eight hundred thirty six 10/100 which please honour on presentation.

Please debit our account with this amount.

We have credited this amount to your account.

The cheque is valid for five months from the day of issue.

Урок 4

Чек

Прочитайте и переведите чек:

BANK FOR FOREIGN ECONOMIC AFFAIRS OF THE USSR

CHEQUE №035751

DEM -628-15-

MOSCOW21 NOVEMBER 20XX

DRESDNER BANK AG

FRANKFURT/MAIN

The cheque is valid for six months from the day of issue

PAY to Quelle

the sum of DEUTSCHE MARKS SIX HUNDRED TWENTY EIGHT

15/100

which please honour on presentation.

xxx Please debit our account with this amount

We have credited this amount to account

<signatures>

BANK FOR FOREIGN

ECONOMIC AFFAIRS OF

RUSSIA

Урок 5

Новые слова

to the order of

a thousand приказу (кого-то)

тысяча

Упражнения

I.Произнесите по-английски следующие суммы:

USD 1,000; DEM 5,000; USD 2,000; DEM 10,000.

II.Произнесите по-английски следующие суммы:

USD 1,982; DEM 11,982; USD 58,305; DEM 20,461.

III.Переведите фразы:

to the order of our principals

приказу нашего клиента

1. to the order of your bank

2. to the order of Baltic Shipping Company

3. to the order of Moscow Narodny Bank Limited

4. to the order of Machinoexport

Урок 6

Прочитайте и переведите чек:

WARNER LAMBERTWarner-Lambert Company

201 Labor RoadMorris Plains NJ 07950CHECK № 127827010/28/XX

Payamount

THREE THOUSAND EIGHT HUNDRED USD 3,850.00

FIFTY AND NO/100 DOLLARS

to the order of

V/O "Machinoexport" 35 Mosfilmovskaya ul., Moscow, 1I7330, Russia

<signatures>

WACHOVIA BANK OF NORTH CAROLINA NA

WINSTON-SALEM, NC

Урок 7

Прочитайте и переведите чек:

CHECK № 305708

People's Co-Operative Bookstore

18 91 Commercial Drive 253

Vancouver, B.C. V5L 3X5

Sept 18, 20XX

Pay to the order of

RIA-Novosti U.S. $73.88

-seventy-three- 88/100 dollars

Canadian Imperial Bank of People’s Co-Operative

Commerce Bookstore

Commercial & 1st U.S. dollar account

Vancouver, B.C.

<signatures>

Тема. Форма международных расчетов: аккредитив.

(уроки 1-18)

Основные термины

1. Letter of Credit, L/C, credit

2. irrevocable Letter of Credit

3. revocable Letter of Credit

4. documentary Letter of Credit

5. confirmed Letter of Credit

6. divisible Letter of Credit

7. to орen a Letter of Credit

8. to confirm a Letter of Credit

9. to utilize a Letter of Credit

10. to amend a Letter of Credit

11. to cancel a Letter of Credit

12. to extend a Letter of Credit

13. Letter of Credit valid for 90 days

14. validity of a Letter of Credit

15. terms of a Letter of Credit

16. the credit is payable with us

17. the credit is available... - аккредитив

- безотзывный аккредитив

- отзывный аккредитив

- документарный аккредитив

- подтвержденный аккредитив- делимый аккредитив

- открыть аккредитив

- подтвердить аккредитив

- использовать аккредитив

- дополнить, изменить аккредитив

- аннулировать аккредитив

- продлевать аккредитив

- аккредитив со сроком 90 дней

- срок действия аккредитива

- условий аккредитива

- платеж по аккредитиву

осуществляется нами

- аккредитив действителен

Урок 1

Новые слова

1.to indicate

2. to mark

3. section

4. to mention - указывать

- отмечать

- раздел

-упоминать

Упражнения

I. Переведите:

Они переведут текст дома к 10 часам утра.

Will they have translated the text at home by 10 o clock in the morning.

Мы оплатим расходы в нашем банке к пятнице.

Shall we have paid the charges with us by Friday.

Она закончит работу до того, как мы посмотрим фильм.

Will she have finished the work before we see the film.

Она напишет письмо своему другу до того, как он направит ей телеграмму.

Will she have written a letter to a friend before he send him a telegram.

credit No

аккредитив №

1. Documentary credit No

2. Irrevocable credit No

3. Revocable credit No

4. Confirmed credit No

5. Divisible credit No

II. Переведите:

the credit for USD...

аккредитив на сумму…

американских долларов

1. the documentary credit for USD...

2. the revocable credit for GBP...

3. the confirmed credit for AFA...

4. the divisible credit for AUD...

5. the irrevocable credit for ATS...

6. the L/C for BEF...III. Переведите:

the credit dated 3rd June

аккредитив, датированный З июня

1. the credit dated 22nd January

2. the credit enclosed

3. the credit indicated by you

4. the credit mentioned below

5. the section indicated by you

6. the section marked A

7. the section marked XIV. Переведите по образцу:

Please send us credit Nol24

Просим направить нам

аккредитив №124

1. Please send us your documentary credit No33.

2. Please send your divisible credit No... to our address by airmail.

3. Please airmail the credit mentioned below.

4. Airmail the credit indicated by you.

5. Please enclose the draft indicated by the bank.

6. Please send us the documents marked X.

Урок 2

Новые слова

1. transfer

2. to transfer

3. telegraphic

4. to refer to

5. photocopy перевод

перевести

телеграфный

смотреть, ссылаться на

фотокопия

Упражнения

I. Переведите предложения:

Please refer to section marked X

Пожалуйста, смотрите раздел, отмеченный X

1. Please refer to section marked A.

2. Refer to the irrevocable credit mentioned in the cable.

3. Please refer to the telegraphic transfer dated 3rd April.

4. Please refer to "Commodity".

5. Please refer to "Quantity".II. Переведите:

We refer to the credit enclosed.

Ссылаемся на приложенный аккредитив.

1. We refer to the photocopy enclosed.

2. We refer to the transfer mentioned in the cable.

3. We refer to the sum transferred on 25th February.

4. We refer to the documentary Letter of Credit mailed on 4th June.

5. We refer to the L/C and Payment Order enclosed.III. Переведите предложения:

The sum transferred on 1st March, 20XX.

Сумма, переведенная 1 марта 20XX г.

1. The sum transferred on 10th April, 20XX.

2. The photocopy mailed on 13th January.

3. The telegraphic transfer indicated by you.

4. The confirmed credit referred to.

5. The charges referred to in your cable of 2nd December.IV. Переведите слова:

transfer the sum – transfer Noпереведите – перевод №

1. Credit the amount - the above credit

2. Cable the instructions - in your cable

3. Transfer the commission - Refer to our transfer

4. List your collection orders - Attach the list of your collections

5. We charge the drawee... - We collect the charges...

6. We airmail invoices... - Send us your invoice by airmail

Урок 3

Новые слова

1. favour

in our favour

in favour of the payee

2. to effect payment

3. to mature

4. Ministry

5. Company (Co.)

6. not later than - польза

- в нашу пользу

- в пользу получателя

- производить платеж

- наступать (о сроке платежа)

- министерство

- компания

- не позже, чем

Упражнения

I. Переведите предложения:

Please open a documentary

credit in our favour.

Просим открыть документарный

аккредитив в нашу пользу.

1. Please open a confirmed Letter of Credit in favour of Rasnoexport.

2. Please open a revocable credit in favour of the Ministry.

3. Please open a L/C in favour of the company.

4. Open an irrevocable Letter of Credit in favour of Brown and Co.

5. Open a divisible credit in our favour.II. Переведите предложения:

Effect payment not later

than 1st July, 20XX

Произведите платеж не

позднее 1 июля 20XX

1. Effect payment not later than 3rd September.

2. Send the invoice not later than 5th August.

3. Transfer the sum mentioned in the cable not later than 6th October.

4. Open the credit referred to not later than 9th March, 20XX.

5. Confirm the transfer not later than 7th November, 20XX.

6. Cancel your payment order enclosed not later than 9th December, 20XX.

III. Переведите:

We authorize you to effect

payment against L/C No.

Поручаем Вам произвести

платеж по аккредитиву №.

1. We authorize you to effect payment against our credit.

2. We authorize you to effect payment against our credit valid for 90 days.

3. We authorize you to effect payment against our divisible credit payable in

American dollars.

4. We authorize you to effect payment against our confirmed Letter of Credit

mentioned in the cable.

5. We authorize you to effect payment against the L/C opened in favour of Brown

and Co.

IV. Переведите:

We shall effect payment in May.

Мы произведем платеж в мае.

1. We shall open a Letter of Credit in May.

2. We shall utilize the credit in April.

3. We shall amend the credit opened with your bank in March.

4. We shall extend the validity of the Letter of Credit indicated in your cable.

5. We shall amend the terms of the documentary credit opened on 3rd June, 20XX.

Урок 4

Новые слова

1. to revert

2. to return

3. to refund

4. matter

5. amendment

6. upon receipt of... - вернуться

- вернуть, вернуться

- возмещать, возвращать

- вопрос

- дополнение, изменение

- по получении

Упражнения

I. Переведите:

Please revert to the matter.

Просим вернуться к этому вопросу.

1. Please revert to the terms of the credit.

2. Revert to section marked X.

3. Revert to the photocopy enclosed.

4. Revert to the validity of the L/C.

5. Revert to the amendment indicated in the cable.

II. Переведите:

We shall return the invoice

not later than 1st July, 20XX.

Мы вернем счет не позднее

1 июля 20XX.

1. We shall return the photocopy not later than 3rd August, 20XX.

2. We shall return the amendment not later than 2nd June, 20XX.

3. We shall return the documents not later than 6th September, 20XX.

4. We shall return the Insurance Certificate not later than 30th December, 20XX.

III. Переведите:

The payer will refund the above sum

Плательщик возместит

вышеуказанную сумму.

1. The Company will refund the above sum,

2. The Ministry will refund the above sum.3. The drawer will refund the above charges.

4. The drawee will refund the interest indicated by you.

5. The payee will refund the charges mentioned below.IV. Переведите:

Upon receipt of your amendment

to the credit we...

По получении дополнения к

аккредитиву мы...

1. Upon receipt of your amendment to the documentary credit…

2. Upon receipt of your amendment to the confirmed L/C…3. Upon receipt of the photocopy referred to…

4. Upon receipt of the credit referred to…

5. Upon receipt of the insurance certificate referred to…

Урок 5

Новые слова

1. should

2. before

З. up to

4. the end of the year

5. fiscal

6. to make - должен, должна, должно, должны

- до

- до

- конец года- финансовый

- делать, производить

Упражнения

I. Переведите:

You should open a L/C in May.

Вы должны открыть аккредитив в мае.

1. You should open a documentary Letter of Credit.

2. You should amend the terms.

3. You should extend the validity.

4. You should cancel the credit.

5. You should confirm the L/C referred to before 1st January.II. Переведите:

The credit should be valid for 90 days.

Данный аккредитив должен быть

действителен в течение 90 дней.

1. The credit should be valid for eighty days.

2. The credit should be valid for sixty days.

3. The confirmed L/C should be valid for one hundred days.

4. The documentary credit should be valid for fifty days.

5. The revocable letter of credit should be valid for two hundred days.

III. Переведите:

Payment is made in roubles.

Платеж производится в рублях

1. Payment is made in pounds.

2. Payment against credit No is made in dollars.

3. Payment against the credit valid up to 1st July is made in lire.

4. Payment is made before the end of the year.

5. Payment is made before the end of the fiscal year.IV. Переведите:

Payment should be made in pounds.

Платеж должен производиться в фунтах

1. Payment should be made in drachmas.

2. Payment should be effected before the end of the fiscal year.

3. The credit should be confirmed before the end of the month.

4. The credit should be airmailed.

5. The sum should be transferred to the bank referred to.

Урок 6

Новые слова

1. extension

2. prolongation

3. to accept - продление

- продление

- принять, согласиться

Упражнения

I. Переведите:

We have accepted your credit.

Мы приняли ваш аккредитив.

1. We have accepted your amendment.

2. We have accepted the terms of the credit.

3. We have accepted the prolongation.

4. We have accepted the extension.

5. We have accepted the L/C referred to.II. Переведите:

The bank has accepted the extension. Банк согласился с продлением.

1. The bank has confirmed the prolongation.

2. The company has cancelled the documentary credit.

3. The Ministry has cancelled credit №.

4. The bank has transferred the sum indicated in the cable.

5. The company has effected payment referred to,III. Переведите:

We have accepted the credit tomature in May.

Мы приняли аккредитив, срок

платежа по которому наступит в мае.

1. We have accepted the credit to mature in October.

2. We have accepted the credit to mature on the first of July.

3. We have accepted the credit to mature on the fifth of February.

4. We have accepted the L/C to mature on the twenty second of December.

5. We have accepted the draft to mature before the end of the fiscal year.

IV. Переведите:

We have not accepted the terms

of the above credit.

Мы не приняли условия

вышеуказанного аккредитива.

1. We have not confirmed the extension.

2. We have not transferred the charges.

3. We have not accepted the validity.

4. We have not accepted the amendment referred to.

5. We have not accepted the draft to mature on the first of March.

Урок 7

Новые слова

1. irregularity

2. applicant

3. to expire

4. to add

5. to approve - нарушение, расхождение

- приказодатель

- истекать

- добавлять

- одобрять

Упражнения

I. Переведите:

We have informed you of the irregularities.

Мы сообщили Вам о нарушениях.

1. We have informed you of the name of the bank.

2. We have informed you of the date of payment.

3. We have informed you of the bank transfer.

4. We have informed you of the number of the credit.

5. We have informed you of the name of the applicant.II. Переведите:

The validity of the credit has expired.

Срок аккредитива истек.

1. The validity of the credit mentioned by you has expired.

2. The validity of the credit referred to has expired.

3. The credit mentioned by you has expired.

4. The draft enclosed has expired.

5. The draft mentioned in your cable has expired.III. Переведите:

The credit has been approved.

Аккредитив был одобрен.

1. The extension has been approved.

2. The prolongation has been approved.

3. The transfer has been approved.

4. The amendment has been approved.

5. Your documentary credit No has been approved.

IV. Переведите:

The credit enclosed hasbeen cancelled.Приложенный аккредитив

был аннулирован.

1. The amendment enclosed has been cancelled.

2. The amendment enclosed has been approved.

3. The sum mentioned in the cable has been added.

4. The photocopy indicated by you has been sent.

5. The bank named by the drawer has been authorized to effect payment.

V. Переведите:

They have been informed of

the irregularities.

Им сообщили о нарушениях.

1. The bank has been informed of the irregularities.

2. The company has been informed of the irregularities.

3. We have been informed of the irregularities.

4. We have been informed of the date of transfer.

5. We have been informed of the name of the applicant.

Урок 8

Новые слова

1. confirmation

2. may

3. to withdraw

4. reservation

5. guarantee

6. any - подтверждение

- мочь

- отзывать, отменить

- оговорка- гарантия- любой (ая, ое, ые)

Упражнения

I. Переведите:

We may effect payment mentioned by you.

Мы можем произвести платеж, упомянутый вами.

1. We may withdraw the documents sent to the bank.

2. We may accept the draft airmailed in June.

3. We may amend the credit mentioned by you.

4. We may return the documents referred to.

5. We may pay against the credit referred to.

II. Переведите:

We may pay against the credit

to mature in June.

Мы можем платить по аккредитиву,

срок выплат по которому наступает

в июне.

1. We may draw a draft to mature in April.

2. We may effect the payment to mature before the end of the fiscal year.

3. We may amend the credit to mature this year,

4. We may cancel the credit to mature in February,

5. We may withdraw the draft to mature on the thirtieth of January.

III. Переведите:

The credit may be withdrawn.

Аккредитив может быть отозван.

1. The credit enclosed may be withdrawn,

2. The reservations indicated may be withdrawn.3. The documents airmailed may be accepted.

4. The documents sent may be withdrawn.

5. The guarantees may be returned.IV. Переведите:

It may be accepted upon receipt

of the documents.

Он может быть акцептован по

получении документов.

1. It may be confirmed upon receipt of the certificate.

2. It may be returned upon receipt of the credit.

3. It may be airmailed upon receipt of your consent.4. It may be presented upon your confirmation.

5. It may be paid upon your confirmation.

V. Переведите:

Any guarantees wilt be returned.

Любые гарантии будут возвращены.

1. Any reservations may be withdrawn.

2. Any amendment should be approved.

3. Any payment should be authorized.

4. Any irregularities should be indicated.

Урок 9

(повторение уроков 1-8)

Переведите:

1. Re: Irrevocable credit №13 dated 13th November, 20ХХ.

2. Transfer in our favour of USD 2,000 under confirmed letter of credit of 20th

March, 20ХХ.

3. Please make a transfer under the documentary credit indicated in the cable.

4. See sections marked X in the above credit.

5. Refer to the photocopy of the credit enclosed.

6. The invoice and the draft have been approved.

7. Any reservations may be withdrawn.

8. Any guarantees shall be sent by airmail.

9. Any documents should be returned.

10. We authorize you to effect payment to the drawer.

11. The amount is indicated by the drawee.

12. We have not accepted the draft to mature on 1st April.

13. We have informed the bank of the irregularities indicated by you.

14. The applicant has mentioned the amount of USD 250, 00.

15. We shall revert to the matter in June.

16. Upon receipt of instructions we shall transfer the amount mentioned.

17. The guarantees may not be returned

Урок 10

Бланк

Прочитайте часть бланка и переведите:

Bank for Foreign Economic Affairs of Russia

3/5 Kopievsky-Lane

Moscow

Russia

Re:

Transfer in your favour of USD 72,000 under our documentary credit №13-3

Please see section(s) marked X below

X

Refer to photocopy enclosed

The documents have been approved, and any reservations/guarantees may be withdrawn/returned

We authorize you to effect payment of the amount indicated by youWe have accepted the draft to mature on

We have informed the applicant of the irregularities mentioned below/by you and we shall revert to the matter upon receipt of instructions.

Урок 11

Новые слова

to request

request

to reimburse

reimbursement

presentation

cancellation просить

просьба

рамбурсироваться

рамбурс

предъявление

аннулирование

Упражнения

I. Переведите слова:

to confirm - confirmation подтвердить - подтверждение

1. to present

2. to cancel

3. to expire

4. to inform - presentation

- cancellation

- expiration

- information

II. Переведите слова:

to pay - payment

платить - платеж

to amend

to settle

to state

to reimburse - amendment

- settlement

- statement

- reimbursement

III. Переведите:

to draw

выставлять

тратту

- drawer

получатель по

тратте (тот, кто выписывает тратту) - drawee

плательщик по тратте (тот, на кого выписывается тратта)

To pay - payer - payee

to consign - consigner, or - consignee

to remit - remitter - remittee

to license - licensor - licensee

to accept - acceptorIV. Переведите по образцу:

to transfer

переводить - transfer

- перевод

1. to return

2. to request

3. to consent

4. to charge

5. to honour

6. to account for

7. to credit

8. to protest

9. to amount

10. to refund - return

- request

- consent

- charges

- honour

- account

- credit

- protest

- amount

- refund

V. Переведите:

We credit your account with USD.

Credit No... has been returned.

Мы кредитуем ваш счет суммой.

Аккредитив №... был возвращен.

They charge GBP 20.

Transfer roubles 1000.

We should charge these expenses to your account.

We may transfer this amount to your account. - The charges are...

- The above transfer has been cancelled.

- The charges should be GBP 20.

- The transfer may be made in July.

Урок 12

Новые слова

1. to charge... account with

2. expenses3. losses

4. payable

5. in this connection

6. outside

7. since - дебетовать счет на сумму

- расходы

- убытки

- подлежащий уплате

- в связи с этим- вне

- так как

Упражнения

I. Переведите по образцу:

Our charges in this connection are...

Наши расходы в связи с этим

составляют...

1. Our expenses in this connection are...

2. Their losses in this connection are...

3. Their charges in this connection may be...

4. Our losses in this connection should be...

5. Their losses in this connection may be...

II. Переведите:

All charges outside Russia are for your account.

Все расходы вне России - за ваш счет.

1. All charges outside Sweden are for our account.

2. The charges outside Great Britain are for the beneficiary’s account.

3. All expenses outside the USA are for the payer’s account.

4. The losses outside France are for the account of Brown and Co.

5. The losses outside Norway should be for your account.

III. Переведите:

We charge your account with all the

losses.

Мы дебетуем ваш счет на сумму

всех убытков.

1. We charge your account with our losses.

2. We charge your account with all the expenses.

3. We charge your account with their expenses.

4. We charge your account with all their losses.

5. We may charge your account with all our losses.IV. Переведите:

Since the credit is payable with us we draw on you..

Так как аккредитив оплачивается

в нашем банке выставляем вам тратту.

1. Since the cheque is payable with us we debit your account.

2. Since the draft is payable with us we accept the invoice.

3. Since the documents are payable with us we accept the Packing List.

4. Since the drafts are payable with us we accept the Certificate of Origin.

5. Since the credit is not payable with us we request you to send a cable to our correspondent mentioned...

Урок 13

Новые слова

1. correspondent

2. to obtain

3. at... request

4. with...consent

5. under confirmation

6. according to - корреспондент

- получить

- по просьбе

- с согласия

- при подтверждении

- согласно, как сообщает

Упражнения

I. Переведите:

The sums are credited to your

account at your request.

Суммы кредитованы на ваш

счет по вашей просьбе.

1. The charges are credited to our account at our request.

2. All the expenses arc credited to your account at your request.

3. All the charges are credited lo the correspondent’s account at his request.

4. The sums are credited lo the drawer’s account at his request.

5. The expenses of the beneficiary are credited to his account.II. Переведите:

The documents are obtained with

our consent according to the bank.

Документы получены, при нашем

согласии, как сообщает банк.

1. The documents are obtained with the correspondent’s consent according to the bank.

2. The invoices are obtained with the applicant’s consent according to our correspondent.

3. The drafts are obtained with the drawer’s consent according to the bank.

4. The cheques are obtained with the drawee’s consent according to our correspondent.

5. The certificates are obtained with the beneficiary’s consent according to the bank.

III. Переведите:

The validity is extended under

confirmation to the beneficiary,

as instructed...

Срок действия продлен при

подтверждении плательщику,

как было указано...

1 The validity is extended under confirmation to the drawer, as instructed.

2. The validity is extended under advice to the drawer, as instructed.

3. The validity is extended under advice to the payee, as instructed.

4. The validity is extended under confirmation to the company mentioned in the documents, as instructed.

5. The validity of the credit is extended under confirmation to our correspondent, as instructed.

Урок 14

Новые слова

1. to understand

2. to arrange for - понимать, узнавать

- организовать

Упражнения

I. Переведите:

We understand from the bank the

credit has expired (has not expired).

Мы узнали от банка, что аккредитив

истек (не истек).

1. We understand from the principal the confirmed credit has expired (has not expired).

2. We understand from the payee the validity of the credit has expired (has not expired).

3. We understand from our agent the credit has expired (has not expired).

4. We understand from the applicant the term has expired (has not expired).

5. We understand from our correspondent the credit has been opened (has not been opened).

II. Переведите:

We understand from the bank the

credits have expired (have not expired).

Мы узнали от банка, что аккредитивы

истекли (не истекли).

1. We understand from the principal credits No... have expired (have not expired).

2. We understand from the payee the above credits have expired (have not expired).

3. We understand from the agent they have signed the documents (have not signed the documents).

4. We understand from the remitters they have settled the payments (have not settled the payments).

5. We understand from the remittee the payments have been settled (have not been settled).

III. Переведите:

We understand from the bank the

I credit has been extended (has not

been extended).

Мы узнали от банка, что аккредитив

продлен (не продлен).

1. We understand from the bank the irrevocable credit has been extended (has not been extended).

2. We understand from the bank the confirmed credit expired {has not expired).

3. We understand from the principal the revocable credit has been extended (has not been extended.

4. We understand from you the term has been extended (has not been extended).

5. We understand from the remittee the credit has been amended {has not been amended).

IV. Переведите:

We understand from the remittee

the documents have been sent

(have not been sent).

Мы узнали от получателя, что

документы были отправлены

(не отправлены).

1. We understand from the remittee the invoices have been sent (have not been sent).

2. We understand from the remittee payments have been made (have not been made).

3. We understand from the remitter the certificates have been signed (have not been signed).

4. We understand from the remitter the sums have been credited to your account (have not been credited to your account).

5. We understand from the drawer the credits have been amended (have not been amended).

V. Переведите:

Please arrange for the cancellation

of the credit.

Пожалуйста, организуйте

аннулирование аккредитива.

1. Please arrange for the return of the credit.

2. Please arrange for the payment of the amount indicated.

3. Please arrange for the acceptance of the draft.4. Please arrange for the transfer of the proceeds.5. Please arrange for the confirmation of the credit.

Урок 15

Новые слова

1. to utilize

2. unutilized

3. unpaid

4. balance - использовать

- неиспользованный

- неуплаченный

- остаток

Упражнения

I. Переведите:

The unutilized balance of the credit

has been transferred to your account.

Неиспользованный остаток по

аккредитиву был переведен на ваш счет.

1. The unutilized balance has been credited to the company’s account.

2. The unutilized balance has been credited to the drawee’s account, according to the bank.

3. The unutilized balance has been transferred to the account indicated in the documents.

4. The unutilized balance has been cancelled which they confirm by cable.

5. The unutilized balance has been credited to your account as instructed.

II. Переведите:

The unpaid amount has been

debited to their account.

Неуплаченная сумма была

дебетовала на их счет.

1. The unpaid amount has been debited to the drawee’s account.

2. The unpaid amount has been debited to the remitter’s account.

3. The unpaid sum has been debited to our account.

4. The unpaid sum has been debited to your account.

5. The sum of the losses has been debited to their account.

Урок 16

Новые слова

1. letter

2. telex

3. telegram

4. books

5. make an entry

6. to reimburse oneself - письмо

- телекс

- телеграмма

- записи (книги учета)

- сделать запись

- рамбурсироваться

(обращаться за возмещением)

Упражнения

I. Переведите:

A letter will follow and upon its

receipt cancel the Credit in your books.

Письмо последует и по его получении

аннулируйте аккредитив в

ваших записях.

.

1. A cable will follow and upon its receipt cancel the bill in your books.

2. A reimbursement of your expenses will follow and upon its receipt make an entry in the books.

3. Our confirmation by letter will follow and upon its receipt cancel the draft in your books.

4. A letter will follow and upon its receipt make an entry in your books.

II. Переведите:

We shall reimburse ourselves on you.

Мы будем рамбурсироваться на вас.

1. We shall reimburse ourselves on your bank in Austria.

2. We shall reimburse ourselves on them for payment.

3. We shall reimburse ourselves on their bank in Canada.

4. We shall reimburse ourselves on their correspondents in Switzerland.

5. We shall reimburse ourselves on our correspondent in India.

III. Переведите:

State the bank on whom we may

reimburse ourselves.

Укажите банк, на который

мы можем рамбурсироваться.

1. State your correspondent in the USA on whom we may reimburse ourselves.

2. Inform us of the name of the bank on whom we may reimburse ourselves in July.

3. Give us the name of the bank on whom they may reimburse themselves.

4. Cable us the name of the bank on whom we may reimburse ourselves as instructed.

5. Telex us the name of the bank on whom they may reimburse themselves.

IV. Переведите:

We confirm having received the transfer.

Подтверждаем получение перевода.

1. We confirm having received your credit advice.

2. We confirm having received your debit advice.

3. We confirm having withdrawn the reservation.

4. They confirm having returned the guarantee.

Урок 17

Повторение уроков 11-16

Переведите:

1. Obtain the drawee’s consent.

2. We have cancelled the above credit.

3. The credit has been cancelled under confirmation to us.

4. Sign the invoice which please send us.

5. According to the terms of the credit the charges are...

6. All the expenses should be for your account.

7. The above credit has expired.

8. The credit has expired with an unutilized balance of...

9. The credit has been cancelled.

10. In reimbursement we have transferred the sum indicated by them.

11. Please credit us with... as instructed.

12. We authorize you to debit their account.

13. We enclose the cheque for...

14. At the drawer's request we have added the sum of...

15. Since the credit is payable with the above bank reimburse yourselves on them.

16. Please stale your correspondent on whom we may reimburse ourselves.

17. The credit will be utilized upon presentation of the following documents.

18. We have arranged for the cancellation of the credit indicated by you.

19. We confirm having charged their account with their consent

20. Our charges in this connection should be...

Бланк аккредитива

1.Прочитайте и переведите часть бланка аккредитива

Please see section marked X below

X

Obtain the beneficiary’s consent and cancel the above credit under confirmation to us/ which please return to us.

According to the terms of the credit all charges outside Sweden should be for the beneficiary’s account.

The above credit has expired with an unutilized balance of…

It has been cancelled in our books.

In reimbursement please credit us with…

We have transferred the sum indicated by you as instructed.

We have credited you/we authorize you to debit us account.

We enclose our cheque for….

At the beneficiary’s request we have added our confirmation to the above credit

Since the credit is payable with us please stale your New York/London correspondent on whom we may reimburse ourselves upon presentation of the documents.

We understand from the beneficiary that the above credit will not be utilized. Please arrange for the cancellation.

We confirm having cancelled the above/enclosed credit with the beneficiary’s consent

Our charges in this connection are….

We reimburse ourselves on/

we debit you….

Банковская система в странах изучаемого языка и России.

Financial Institutions

There are many different institutions with different functions. Financial institutions all perform the same basic function. They provide a link between borrowers and lenders. By charging a rate of interest to borrowers slightly higher than they pay to lenders the banks make their profit. This is known as financial intermediation.

Today, banks are divided into two main categories: Bank Financial Intermediaries (BFIs) and Non-Bank Financial Intermediaries (NBFIs).

The BFIs are often called as primary banks and the NBFIs as secondary banks. The primary banks provide a money transmission service whilst the secondary banks concentrate on term deposits.

Financial Intermediaries include:

BFIs Commercial Banks

Girobank

The TSB

NBFIs National Savings Bank

Other Banks

Building Societies

Pension Funds

Unit Trust Companies

Investment Trust Companies

Credit Unions

Once upon a time "financial" life was very simple. If you wanted

a method of paying/or goods and services or bills - you went to a bank

a mortgage - you went to a building society

to save - you went to the savings bank (Trustee or National) or the building society

loan - you went to a finance house or a bank

an insurance policy - you went to an insurance company.

The financial market place has seen a great change over the last two decades. The start of this change was probably the Competition and Credit Control document issued by the Bank of England in 1971. One reason for its issue was to promote competition within the banking system. This document was a big step forward in giving customers a wider choice of services and prices.

In the UK the building societies arc the banks’ largest competitor in the area of deposit taking. The building societies’ share of consumer deposits has risen in the past ten years from 38% to 50% whilst the banks' share has dropped from 45% to 33%.

In America Credit Unions are more popular. Credit unions are owned by their members and managed by the Board of Directors. Board of Directors decides the interest rate, Credit Unions don't make profit. The main aim of Credit unions is to establish good budgeting and stimulate a spirit of self help. They provide savings and cheap loans to members.

Banks and Banking

Bank is an institution that deals in money and its substitutes and provides other financial services. Banks accept deposits and make loans and derive a profit from the difference in the interest rate paid and charged. They also have the power to create money.

The two major classes of banks are commercial and central banks. Commercial banks accept savings and checking deposits, make loans and other investments, and offer financial services that facilitate the exchange of funds among individuals and institutions.

Central banks act as bankers to governments, as the agents and often the designers of monetary and credit policies, and as lenders of last resort to commercial banks in the case of a financial crisis.

The banking systems of the world have many similarities, but they also differ in organization and technique.

Banking systems may be classified in terms of their structure as unit banking, branch banking, or hybrids of the two.

The system in the U.S. is called unit banking; the British system, branch banking. The banking systems of France, Germany and India are examples of hybrid systems, where banks that are national in scope are supplemented by regional or local banks.

The British banking system is dominated by four large banks, each with a great number of branches.

The haphazard settling of the U.S. frontier, combined with hostility toward concentrated financial power, led to a proliferation of local banks. For large and complex transactions country banks depend on correspondent city banks.

A third group of banking systems differs from the unit banking system of the United States and also from the branch banking systems of countries that have followed the British model (such as Australia, Canada, New Zeeland and South Africa). This group is characterized by the existence of a small number of banks with branches throughout the country, holding a significant part of total deposits, along with a relatively large number of smaller regional or local banks. Such systems exist in France, Germany and India.

Paying and withdrawing money

a)Paying into an accountCashier: Good afternoon, madam.

Client: I'd like to put some money into my account, please.

Cashier: Certainly, madam. Do you know the number, of your account?

Client: Yes. Here’s my cheque book.

Cashier: Thank you. Wilkinson, Susan... 56.227. How much do you want to

deposit?

Client: Fifteen hundred francs.

Cashier: Fifteen hundred francs. Your receipt, madam.

Client: Thank you. Good-bye.

b)Paying into someone else’s accountCashier: Good afternoon, sir.

Client: I'd like to pay this crossed cheque in pounds sterling into my wife’s

account, please.

Cashier: Yes, sir. Do you know the number of her account?

Client: Yes, it's 226.01. I've got power of attorney. Here it is.

Cashier: Thank you. Can you give me your signature, please, sir?

Client: Yes.

Cashier: Thank you. Have your got your passport, please? Thank you. The amount

will be credited in about two weeks, sir.

Client: All right.

Cashier: Your receipt, sir.

Client: Thank you. Good-bye.

а) Withdrawing from an account

Client: Good morning.

Cashier: Good morning, sir.

Client: I’d like to take out some money, please.

Cashier: Certainly, sir. Do you know the number of your account?

Client: No. I’m not sure of it.Cashier: What’s your name?Client: Walter Lyons.Cashier: Is it a checking account?

Client: Well, I’ve got a checking account and a savings account.

Cashier: And which account would you like to draw on?

Client: I’d like two thousand francs from my checking account.

Cashier: I’ll just check the number, sir.... It’s 32.460, sir. Could you sign here,

please... and here. Thank you. One moment, please, sir. How would you

like it, sir?

Client: Two bills of a thousand, please.... Thank you.

Cashier: Good morning, sir.

Client: Good morning.

a.Buying foreign currency

Man Good afternoon.

Cashier Good afternoon, sir.

Man I have to go to Norway, Sweden and Denmark in three weeks. How

should I take ray money? Cashier We can give you traveller’s

cheques and a small amount of money for each country you visit.Man That sounds fine.

Cashier How much do you need?

Man Two thousand francs, Are there any restrictions?

Cashier In Scandinavia the only restrictions are on notes of five hundred and

one thousand kroner, but I don’t think that will worry you.Man No, not at all. I'll just calculate how much I need in each currency and

I’ll be right back.

b.Changing foreign currency

Man Good afternoon.

Cashier Good afternoon, sir,

Man I’m just back from Morocco and I’ve got some foreign currency that

I’d like to change into Swiss francs. Is that possible?

Cashier We can take the banknotes but I’m afraid we can’t take the small

change.

Man Then could you change these notes, please?

Cashier Certainly, sir. I’ll just check the exchange rates.

Банковская система в странах изучаемого языка и России.

The Bank of England

The Bank of England is the central bank of the United Kingdom. Most countries have a central bank: for example the Federal Reserve System in the United States; the Deutsche Bundesbank in Germany; the Bank of Japan. Each differs a little from the others but they all serve as bank both to their country’s government and to its banking system.

In addition, many central banks (including the Bank of England) supervise financial markets, banks and other institutions.

The history of the Bank of England

Founded in 1694, the Bank of England was the first, and initially the only, joint-stock bank. Its function was to raise money for the Government and to help it do this it was given the right to issue notes and coins. The Bank Charter Act of 1844 meant that it would eventually become the British Central Bank. Under the act new banks or enlarged banks resulting from mergers did not have the right to issue bank notes and by 1921 the Bank of England became the sole bank of issue in England. The Bank was nationalized in 1946.

The functions of the Bank of England

The functions of the Bank of England are as follows:

1. To issue bank-notes in England.

2. To act as banker to the Government.

3. To act as banker to the banking sector.

4. To manage the National Debt.

5. To maintain bullion vault.

6. To act as "lender of last resort" to the Discount Houses.

7. To act as Government agent in implementing Government policy.

The organisation of the bank

The Bank is governed mainly by the 1946 Bank of England Act, under which it was nationalised. The Act provides for the appointment, by the Crown, of the Governor, the Deputy Governor and the 16 other members of the Bank’s board, which is known as the Court of Directors. Governors serve for terms of five years, and Directors for four years; both can be renewed. Up to four of the Directors may serve as full-time executives of the Bank, and the Court has, in recent years, appointed a small number of Associate Directors with the same status as Executive Directors. The Non-Executive Directors represent a wide range of interests in the City and industry. Court sits weekly and is responsible for all the affairs of the Bank. The present operational structure of the Bank is shown below.

Central Bank organizational structure and functions.

The role and functions of the Central Bank of Russia are defined by the Constitution of the Russian Federation and the Central Bank Law. The main purpose of the Central Bank is providing stability in the overall price level and the purchasing power of the rouble. The Central Bank of Russia is the only issuing center. It is an independent agency responsible for banking supervision, the development of national fiscal and monetary policy.

As most central banks the Central Bank of Russia performs the following functions: it serves as government’s banker, acts as the banker for the banking system, regulates the monetary system for both domestic and international policy goals, and issues the nation’s currency. As the banker to the government, the Central Bank collects and disburses government income and receipts, manages the issue and redemption of the government debt, advises the government on all matters pertaining to financial activities. As the banker to the nation’s banks the Central Bank holds and transfers banks’ deposits, supervises their operations, acts as ’’the lender of last resort’’, and provides technical and advisory services.

The activities of the Central Bank of Russia are governed by the Board of Directors. The Board of Directors consists of 12 members and a Chair. The Chair is appointed by the State Duma for a four-year term by voting. Members of the Board, presented by the Chair and approved by the President are designated by the Duma as well. Governors serve four-year terms.

The Law on the Central Bank stipulates responsibility of the CB for banking supervision and regulation. The Central Bank is in charge of (a) issuing bank licenses, (b) designing prudential regulations, (c) exercising off-site and on-site supervision and, (d) applying sanctions on banks that fail to comply with regulations or represent a threat to the interests of their debtors or creditors. The Central Bank supervises and regulates the nation’s financial institutions to insure the financial soundness of the banking system and to protect lenders and consumers’ interests. The main business priorities are: to develop new types of banking products and credit instruments, to develop effective interest rate policy, to reform inter-bank settle.

Библиографический список

Аверьянова А.В., Шевелёва С.А., Королькова Л.А. Международные банковские расчеты. Учебное пособие по английскому языку. – М.: АО «Консалтбанкир», 2009

Бонк Н.А., Котий Г.А., Лукъянова Н.К. Учебник английского языка. В 2-х ч. – Деконт + -ГИС, 2009

Каушанская В.Л., Ковнер Р.Л. Грамматика английского языка (на английском языке), - С-Пб.: Просвещение, 2008

Качалова К.Н., Израилевич Е.Е. Практическая грамматика. – М.: Юнвес Лист, 2009

Крылова И.П., Гордон Е.М. Грамматика современного английского языка: учебник.- М.: КДУ, 2008

Парахина А.В., Тылкина С.А. Учебник английского языка для средних специальных учебных заведений. –М.: «Высшая школа», 2009

Шубин Э.П., Сытель В.В. Грамматика английского языка для средней школы Изд. 5-е М., «Просвещение», 2008

Mitchell H.Q. Enter the World of Grammar: Book 4. -London: MMPI, 2008

Англо-русский толковый словарь. Банковское дело. М.: Экономическая школа ОЛМА-Пресс Образование, 2009




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