- •Экономический английский
- •Contents
- •Раздел 1……………………………………………………………………..450
- •Раздел 2…………………………………………………………………..…455
- •Раздел 3……………………………………………………………………..473 Предисловие
- •Методическая записка
- •Part 1 Unit 1
- •1. Business Is Booming Almost Everywhere
- •Vocabulary:
- •2. Lada Can Hear Its Rivals Gaining AvtoVaz' dominance faces a serious threat as foreign car plants spring up in Russia
- •Slow off the mark
- •Vocabulary:
- •3. Can Stringer stop Sony malfunctioning?
- •Vocabulary:
- •4. Carmakers Eye Romania Factory
- •Vocabulary:
- •5. Privatisation Plan for Swisscom
- •Vocabulary:
- •6. Siemens Steps up China Growth
- •Vocabulary:
- •7.Hsbc usa Posts Robust Earnings
- •8.Hidden Value Let Loose Chipmaker Freescale, spun from Motorola, is a prime example of the power of spin-offs
- •9. Philip Morris Moves To Boost Food Unit
- •10. Japanese May Aid Chemicals Industry
- •12. Azucarera Agrees To Acquire Puleva In 590 Million Deal
- •14.Poison Pill Defence For News Corp
- •Part 1 Unit 2
- •Section 1 producing the goods lead-in
- •15. Japan's Production Increases But Analysts Expect Slowdown Soon
- •Vocabulary:
- •16. Manufacturing And the Price of Outsourcing
- •Vocabulary:
- •17.JpMorgan Steps up Indian Offshoring
- •Vocabulary:
- •Section 2 costs and expenses, economies of scale
- •18. Eu Farm Agreement Reached, But Budget Questions Linger
- •Vocabulary:
- •19. Hitachi Raises Flat-panel tv Profile
- •Vocabulary:
- •20. Honda's 2nd Quarter Net Fell 8.5%
- •Vocabulary:
- •21. Ford Posts Record Results in Third Quarter
- •Vocabulary:
- •22. Ericsson Upbeat Despite Drop in Profits
- •Vocabulary:
- •Vocabulary
- •23. Latin America Starts to Compete
- •Its businesses are in better shape than its balance of payments might suggest
- •Vocabulary:
- •24. Bankless Banking
- •Vocabulary:
- •Stolen Jobs?
- •Vocabulary:
- •Part 1 Unit 3
- •Section 1 key economic indicators lead-in
- •Vocabulary
- •Vocabulary practice
- •Texts to translate:
- •25. Eurozone Recovery Boosts Confidence
- •Vocabulary:
- •26. Is the u.S. Current Account Deficit Sustainable?
- •Vocabulary:
- •27. Data Show Europe's Economies Are on Separate Paths
- •Vocabulary:
- •28. Dormant for Now, Inflation Shows Signs of Awakening
- •Vocabulary:
- •29. Will This Slowdown Be Satisfactory?
- •Vocabulary:
- •Section 2 boom and bust lead-in
- •Vocabulary
- •Vocabulary practice
- •Texts to translate:
- •30. Losing Balance and Monentum?
- •Vocabulary:
- •31.The Next Downturn
- •Vocabulary:
- •32. The Economy Is Too Darn Hot
- •Vocabulary:
- •Section 3 record highs and record lows; ups and downs lead-in
- •These words are used to talk about prices when they rise by larger amounts or increase quickly or sharply: jump, leap, roar ahead (up), rocket, shoot ahead (up), skyrocket, soar, surge (ahead);
- •Vocabulary
- •Vocabulary practice
- •33. Russia's booming economy
- •It's not about just oil and gas
- •Saving and spending
- •Home grown
- •Too fast to last
- •Vocabulary:
- •34. Euro-Zone Prices May Heat Up Soon
- •Vocabulary:
- •35. Rise In Orders Fails to Lift Economy Gloom
- •Section 4 money management lead-in
- •Vocabulary
- •Vocabulary practice
- •Texts to translate:
- •36. Tightening Has Begun To Take Hold
- •Vocabulary:
- •37. From t-shirts to t-bonds
- •Vocabulary:
- •38. G7 Cautions on Inflationary Pressures
- •Vocabulary:
- •39. Bank of Japan Pressed to Ease Monetary Policy
- •Vocabulary:
- •40. Fed Report Shows Economy Remains Robust
- •Vocabulary:
- •The Asian Crash
- •Vocabulary:
- •Part 1 Unit 4
- •Section 1 sellers, buyers, consumers, and key players lead-in
- •Vocabulary
- •Vocabulary practice
- •Texts to translate:
- •41. From Market Driven to Market Driving
- •Vocabulary:
- •42. Cadbury Shakes up Its us Drinks
- •Vocabulary:
- •Section 2 marketing mix and target markets lead-in
- •Vocabulary
- •Vocabulary practice
- •Texts to translate:
- •43. Saturated Retail Market Could Limit Expansion
- •44. Mobile Market Expanding Rapidly in India Country adding five million new wireless connections per month
- •Vocabulary:
- •Section 3 products, services and brands; upmarket and downmarket lead-in
- •Vocabulary
- •Vocabulary practice
- •Texts to translate:
- •45. Lg's White-Hot White Goods
- •Vocabulary:
- •46. A Brand New Opportunity In the Empty Nest
- •Vocabulary:
- •47. Everybody Loves a Winner — or do they?
- •Section 4 advertsing and promotion lead-in
- •Vocabulary
- •Vocabulary practice
- •Texts to translate:
- •48.Colgate Glides Past Stumbling Competitors
- •Vocabulary:
- •49. Electrolux Blames Fall on Paranoia
- •Vocabulary:
- •Chinese Imports Prompt Posco Discounts
- •Part 1 Unit 5
- •Financial instruments and stock exchanges section 1 raising finance lead-in
- •Texts to translate:
- •50. Stocks in trade
- •Vocabulary:
- •51. Ipsen ipo marks Paris high point
- •52. Swiss Machine Tool Group in ipo
- •Section 2 market players. Trading on the markets lead-in
- •53. Siemens Seeks us Expansion as adRs Launch
- •Vocabulary:
- •54. Bear Markets
- •Vocabulary:
- •Section 3 unveiling results lead-in
- •54. Russian Stocks Climb to Record
- •55. Treasury Prices Fall as Investors Return to Stocks Rally in Equities Markets Puts Pressure on Bonds
- •Vocabulary:
- •Vocabulary:
- •Section 4 derivatives lead-in
- •Vocabulary practice
- •Text to translate:
- •57. Future Perfect
- •Vocabulary:
- •Section 5 wrongdoing, corruption, insider dealing lead-in
- •Vocabulary practice
- •Text to translate:
- •58. Soros found guilty of insider trading
- •59. Toyota Faces Insider Trading Probe Around Share Buyback
- •Vocabulary check
- •Investors shun Fibernet after rights issue
- •1. What was the strategic decision that required the capital Fibernet raised from the rights issue?
- •2. Using evidence from the text and your own knowledge, explain why you think that Fibernet used a rights issue of shares rather than taking out long-term loans.
- •3. Examine the likely reaction of shareholders to this financing decision in:
- •Vocabulary revision – unit 5
- •Part 1 Unit 6
- •Section 1 types of accounting and the basic accounting equation lead-in
- •Vocabulary
- •60. The Power of Four
- •Imbalance sheet
- •Vocabulary:
- •Section 2 the balance sheet
- •Balance Sheet for Wal-Mart
- •61. Bank Reform in Japan
- •Vocabulary:
- •62. Asset Finance
- •Vocabulary:
- •Section 3 financial statements and the bottom line lead-in
- •63. Strong Fundamentals and Fundamental Analysis
- •Vocabulary:
- •Section 4 bankruptcies lead-in
- •Vocabulary
- •64. Bankruptcies reach another record
- •Vocabulary:
- •65. Bad Debts Build up at Lloyds tsb
- •66. Poor Planning
- •Vocabulary:
- •67. Turkey Outlines New Package of Radical Structural Reforms
- •Vocabulary:
- •Europe's Enron
- •Part 1 Unit 7
- •Section1 company structure lead-in
- •68. Tough at the top
- •Vocabulary:
- •69. Fit for Hiring? It’s Mind Over Matter
- •Vocabulary:
- •70. The Truth About Work
- •Vocabulary:
- •71. The new global shift
- •Vocabulary:
- •72. Firing the Boss
- •Vocabulary:
- •73. In the money
- •Vocabulary:
- •74. The rewards of failure
- •75. Executive Pay Soars But May Have Peaked
- •Mitsubishi Motors to rejig structure
- •Part 1 Unit 8
- •76. The physical internet
- •21St-century clippers
- •77. Negotiation Strategies
- •Vocabulary:
- •Troubled Waters
- •Part 1 Unit 9
- •78. Royal Insurance
- •Vocabulary:
- •79. Insuring for the future?
- •80. Papers, papers everywhere
- •Shop Around for the Best Car Insurance
- •Vocabulary:
- •Методические рекомендации
- •Основы реферирования и аннотирования. Практические рекомендации
- •Part 2 Unit 1
- •One world?
- •Vocabulary:
- •1. Read and translate the text.
- •2. Make an annotation on the text. Expand the debate on globalisation
- •Vocabulary:
- •1. Read the text and outline the key points.
- •2. Translate the text.
- •3. Make a précis and an annotation on the text. Global capitalism, r.I.P.?
- •Vocabulary:
- •«Globalisation»
- •Part 2 Unit 2
- •Trade winds
- •Vocabulary:
- •1. Read and translate the text.
- •2. Make an annotation on the text. The Harsh Truth About Outsourcing
- •It’s not a mutually beneficial trade practice – it’s outright labor arbitrage
- •Vocabulary:
- •1. Read and translate the text.
- •2. Make a précis and an annotation on the text. The race for the bottom
- •Vocabulary:
- •1. Read and translate the text.
- •2. Make a précis and an annotation on the text. Spoiling world trade
- •Vocabulary:
- •1. Read and translate the text.
- •2. Make an annotation on the text. Nothing’s free in this world
- •Vocabulary:
- •«World Trade»
- •Part 2 Unit 3
- •Bearing the weight of the market?
- •Vocabulary:
- •1. Read and translate the text.
- •2. Make a précis and an annotation on the text. The future of the state
- •Vocabulary:
- •1. Read and translate the text.
- •2. Make an annotation on the text. Are the poor different?
- •Vocabulary:
- •1. Translate the text.
- •2. Make a précis and an annotation on the text. Globalisation and tax
- •Shopping around
- •Vocabulary:
- •1. Translate the text.
- •2. Make an annotation on the text.
- •Inflation is dead
- •Vocabulary:
- •«Inflation»
- •Part 2 Unit 4
- •The “euro”
- •Vocabulary:
- •1. Translate the text.
- •2. Make an annotation on the text. Asking for trouble
- •Vocabulary:
- •1. Read and translate the text.
- •2. Make an annotation on the text. The Perils of Partnership
- •Vocabulary:
- •1. Read and translate the text.
- •2. Make a précis and an annotation on the text. Euro Blues
- •In search of reality
- •Vocabulary:
- •«Europe. Economic and Monetary Union» Topics for discussion
- •Part 2 Unit 5
- •Worldbeater, inc.
- •Vocabulary:
- •1. Translate the text.
- •2. Make an annotation on the text. Behind america’s small business success story.
- •Vocabulary:
- •1. Translate the text.
- •2. Make an annotation on the text. Thoroughly modern monopoly
- •Vocabulary:
- •1. Read and translate the text.
- •2. Make a précis and an annotation on the text.
- •Vocabulary:
- •«Business and Businesses» Topics for discussion
- •Part 2 Unit 6
- •Instant coffee as management theory.
- •Vocabulary:
- •1. Translate the text.
- •2. Make an annotation on the text. Why too many mergers miss the mark
- •Vocabulary:
- •1. Read the text and answer the questions on it:
- •2. Make a précis and an annotation on the text. Johannesburgers and fries.
- •Vocabulary:
- •«Management. Marketing». Topics for discussion
- •Part 2 Unit 7
- •A smoother ride, but less fun
- •Vocabulary:
- •1. Translate the text.
- •2. Make an annotation on the text. Dancing in Step
- •Individual stockmarkets are increasingly being driven by global rather than local factors
- •Vocabulary:
- •1. Read and translate the text.
- •2. Make an annotation on the text.
- •Investors in south-east asian equities
- •Vocabulary:
- •1. Read the text and outline the key points.
- •2. Translate the part “Do you want to be in my band?” from English into Russian.
- •3. Make a précis and an annotation on the text. Fixed and floating voters
- •Vocabulary:
- •1. Translate the text.
- •2. Make an annotation on the text. The uneasy crown
- •Making their case
- •Old hands
- •When the credit stops
- •Vocabulary:
- •«Financial Markets». Topics for discussion
- •Part 2 Unit 8
- •How safe is your bank?
- •Vocabulary:
- •1. Read and translate the text.
- •2. Make a précis and an annotation on the text. The Collapse of Barings
- •Vocabulary:
- •1. Read the text and outline the key points.
- •2. Translate the part “Liquid refreshments” from English into Russian.
- •3. Make a précis and an annotation on the text. Central banks on the trail of the mutant inflation monster
- •Vocabulary:
- •1. Read and translate the text.
- •2. Make a précis and an annotation on the text. Monopoly Power Over Money
- •Vocabulary:
- •1. Read the text and outline the key points.
- •2. Translate the part “Spot the trend” from English into Russian.
- •3. Make a précis and an annotation on the text. The lloyds money machine
- •Vocabulary:
- •1. Read the text and outline the key points.
- •2. Translate the part “Old news” from English into Russian.
- •3. Make a précis and an annotation on the text. Rattling the piggy bank
- •Vocabulary:
- •Лексико-грамматические трудности перевода экономических текстов с английского языка на русский.
- •Лексико-грамматические трудности перевода экономических текстов с английского языка на русский.
- •Методическая записка
- •Раздел 1. Сущность процесса перевода. Словарь и словарные соответствия. Узкий и широкий контекст.
- •Раздел 1
- •Раздел 1
- •§1 Определение перевода
- •§2 Словарь и словарные соответствия
- •§3 Узкий и широкий контекст
- •Раздел 2
- •Раздел 2
- •§1 Перевод некоторых категорий слов
- •1.1 Термины
- •1.2 Сложные слова
- •1.3 Неологизмы
- •1.4 Имена собственные и географические названия
- •1.5 Названия организаций, учреждений, компаний и их сокращения
- •1.6 Интернациональные слова. Псевдоинтернациональные слова. Понятие коннотации слова
- •§2 Перевод сложных атрибутивных конструкций
- •§3 Перевод заголовков
- •§ 4 Лексические трансформации в процессе перевода
- •4.1 Дифференциация и конкретизация значений
- •4.2 Генерализация значений
- •4.3 Смысловое или логическое развитие при переводе
- •4.4 Антонимический перевод
- •4.5 Добавления и опущения слов в процессе перевода
- •§ 7 Способы передачи некоторых стилистических особенностей в процессе перевода
- •Раздел 3
- •§ 1 Выбор грамматической конструкции при переводе
- •§ 2 Порядок слов
- •§3 Модальные и вспомогательные глаголы
- •3.1 May (might)
- •3.2 Must
- •3.3 Should
- •3.5 Have to
- •3.6 Can (could)
- •§4 Инфинитив
- •4.1 Инфинитив в различных функциях
- •4.2 Инфинитивные конструкции
- •§ 5 Герундий
- •5.1 Герундий в функции обстоятельства
- •5.3 Герундиальный комплекс
- •§6 Причастие
- •6.1 Причастие в различных функциях
- •6.2 Причастные конструкции
- •6.3 Абсолютная причастная конструкция с предлогом with
- •6.4 Причастие в функции союзов и предлогов
- •§7 Страдательный залог (пассив)
- •§ 8 Оборот it is (was)… who (that, when и т.Д.)
- •§ 9 Служебные слова
- •9.1 Since
- •9.2 While
- •9.5 Once
- •9.6 Well
- •§ 10 Артикль
- •10.1 Определенный артикль
- •10.2 Неопределенный артикль
- •§ 11 Сослагательное наклонение
- •§12 Эллиптические конструкции
- •§ 13 Обзорные упражнения
- •Список использованной литературы
78. Royal Insurance
(a leaflet offering insurance for a home and its contents)
At Royal Insurance we believe in offering careful householders both buildings and contents insurance at the best possible price. After all if you take steps to protect your home it's only right that we, as one of Britain's leading household insurance companies, should recognise such care by using the fairest, most accurate premium assessment system available today. Your quotation will be tailor made for you - taking into account where you live and size, type and age of your home.
For many householders the premium could be less than that charged by their present insurer.
Fast and fair settlement of claims.
At Royal Insurance our professional friendly staff will ensure not only that your claim is dealt with promptly but also without unnecessary argument. After all you want your claim settled without problems and delays.
Real peace of mind from one of the UK's largest insurance companies.
You can enjoy peace of mind knowing that your home and its contents are protected by a company who have been providing insurance expertise for over 150 years and whose customer service is second to none - something appreciated by over one million householders who have trusted Royal Insurance to look after their home.
Easy to understand and simple to buy.
At Royal insurance we ensure that you know exactly what your insurance covers you for. As for buying a policy from Royal Insurance, nothing could be more straightforward, you will almost certainly qualify if you can tick yes to the questions below. Then complete the coupon and post it to us FREEPOST (you don't need a stamp) or call us on FREECALL 0500 223344 and we will send you a free quotation by return of post.
New for old cover.
Many insurance companies will only pay you the original cost of the items for which you make a claim. With Royal Insurance, however, you enjoy peace of mind with new for old cover. This means that we'll replace items claimed for at today's prices, if they cannot be, economically repaired. No reductions will be made for wear and tear, except for clothing, household linen and pedal cycles.
Extra customer care 24 hours a day, 365 days a year.
FREE 24 hour helpline mid emergency repair service. Should you unfortunately suffer an emergency like a burst pipe or tiles blown off your roof, simply call our FREEPHONE 24 hour emergency number, any day of the year. We will provide practical help from a competent local tradesman and we will pick up the bill up to 150 for each call out necessary.
Vocabulary:
property insurance - страхование имущества
building and contents insurance - страхование зданий и находящегося в них имущества
quotation - котировка, страховой тариф
premium assessment - расчет страховой премии
to cover - зд. покрывать, входить в страховое покрытие
«new for old» - «новое вместо старого»
insurance cover - страховое покрытие
wear and tear - физический и моральный износ
claim settlement - урегулирование претензии
VOCABULARY CHECK
-
Страховая компания сделает все возможное, чтобы клиент точно знал, что входит в страховое покрытие, если он застрахует свое имущество у них.
-
Вы можете получить страховой полис (заключить договор страхования) в Royal Insurance, если Вы ответите «да» на шесть вопросов в анкете.
-
Если Вы вышлете купон или позвоните в нашу страховую компанию, мы бесплатно пришлем Вам наши тарифные ставки.
-
Royal Insurance обеспечивает покрытие «новое вместо старого» в случае, когда Вы предъявляете претензию в отношении утерянных или поврежденных предметов.
-
Некоторые страховые компании выплачивают лишь первоначальную стоимость имущества.
-
Компании, занимающиеся страхованием личного имущества, разработали систему оценки страховой премии.
SECTION 2 UNDERLYING PRINCIPLES
LEAD-IN
It is sometimes said that insurance is like gambling. In betting, for example, one gives a sum of money to a bookmaker who agrees to pay out on the bet if the horse one has backed wins the race. The law however has found a means of distinguishing between gambling contracts, which it will not enforce, and insurance contracts, which it will. For a contract to be one of insurance the insured person must have an insurable interest in the subject matter of the insurance. That is, he must stand to lose financially if the event insured against happens. In life insurance, for example, a man or woman obviously has an interest in his or her own life and can therefore insure it and also the life of a husband or wife. But one cannot insure the life of anybody else unless their death would result in financial loss to oneself. Similarly, with property, insurance may only be effected if one stands to lose financially by its loss or destruction. Clearly the owner of the property would lose but so also might other people, such as a building society which has lent money on the security of a house or dry cleaner who has taken in clothes for cleaning.
Further, in insurances on property or against liabilities the law applies the principle that the policyholder must not make a profit if the event insured against happens. The insurance contract is said to be one of indemnity, to make good the insured's loss and no more. Suppose, for example, that property is insured for more than its value and is destroyed as a result of an event insured against. The insured's recovery will be limited to the actual value. Again, if the property has been insured twice over and is destroyed, the insured will not be entitled to recover in all more than its total value. And if insured property is destroyed in circumstances which give the insured a right to claim both against his own insurer and against some other person who was responsible for the damage, the insured must allow the insurer to have the benefit of the right to claim against the other person.
Contracts of insurance form a special class of contract in that the law requires both parties to them, the insured and the insurer, to exercise the utmost good faith towards each other. In particular when anyone applies for insurance (he is known as the proposer) he must tell the prospective insurer every fact that he knows or ought to know which would influence a prudent insurer in deciding whether to grant the insurance and, if so, on what terms. To take an example, a proposer for life insurance must reveal if he has recently had a heart attack as this may be a sign that he is more likely to die prematurely. Similarly if a motorist is seeking to insure his car and has had a number of recent road accidents he must reveal that fact so that the insurer can decide whether to charge him an above-normal premium because he appears to be especially prone to accidents. If any fact of the kind described is not disclosed by the proposer or if any fact is misstated, even unintentionally, the insurer is entitled to refuse to pay a claim under the policy. Insurers maintain that this is only right because the proposer knows the facts and the insurer does not. The insurer needs to be put in a fair position to decide whether to accept an insurance and on what terms.
Insurance companies have to invest the money they receive from premiums. Like pension funds, they are large institutional investors that invest huge sums in securities, especially low-risk ones like government bonds.
The largest insurance market in the world is Lloyd’s of London. This is an association of people called underwriters, who guarantee to indemnify other people’s possible losses. Lloyd’s spreads risks among a number of syndicates: groups of wealthy individuals, commonly known as ‘names’. These people can earn a lot of money from insurance premiums if the clients never claim for compensation, but they also have unlimited liability or responsibility for losses.
If insurance companies consider that they have underwritten too many risks, they can sell some of that risk to a reinsurance company. This is a company that will receive some of the premium and also bear, or take, some of the risk.
VOCABULARY
insurable interest |
- страховой интерес |
subject matter of insurance |
- предмет, подлежащий страхованию |
life insurance |
- страхование жизни |
property insurance |
- страхование имущества |
liabilities |
- ответственность |
policyholder |
- держатель страхового полиса |
the event |
- страховой случай |
indemnity |
- возмещение (убытков) |
the insured's recovery |
- страховое возмещение |
claim against smb |
- заявить о возмещении (убытка) |
utmost good faith |
- принцип взаимного доверия |
proposer |
- потенциальный страхователь |
Lloyd's |
Лондонский Ллойд: ассоциация страховщиков |
underwriter |
- страховщик (часто морской, член ассоциации страховщиков "Ллойд") |
reinsurance |
- перестрахование, вторичная страховка |
COMPREHENSION QUESTIONS:
-
Why is insurance sometimes compared with gambling?
-
What is the difference between gambling contracts and insurance contracts?
-
What is an insurable interest?
-
What does the expression “to exercise the utmost good faith towards each other” mean?
-
When is the insurer entitled to refuse to pay a claim under the policy?
VOCABULARY PRACTICE
For a contract to be one of insurance the insured person must have an insurable interest in the subject matter of the insurance.
The insurance contract is said to be one of indemnity, to make good the insured's loss and no more.
According to the insurance contract the insured and the insurer must exercise the utmost good faith towards each other.
A proposer for life insurance must reveal if he has recently had a heart attack.
The insurer needs to be put in a fair position to decide whether to accept an insurance and on what terms.
TEXT TO TRANSLATE: