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What Is the Economic Function of a Bank?

...

 

Commercial banks play an important role in the financial system and the economy. As a key component of the financial system, banks allocate funds from savers to borrowers in an efficient manner. They provide specialized financial 1________ which reduce the cost of obtaining information about both savings and borrowing opportunities. These financial services help to make the overall 2 ______ more efficient.

Imagine a World without banks. One way to answer your question is to imagine, for a moment, a world without banking institutions, and then to ask yourself a few questions. This is not just an academic exercise; many former eastern-block nations began facing this question when they began to create financial 3 ______and develop market-oriented banks and other financial institutions.

If there were no banks

Where would you go to borrow money?

What would you do with your savings?

Would you be able to borrow (save) as much as you need, when you need it, in a form that would be convenient for you?

What risks might you face as a saver (borrower)?

Banks 4______ by borrowing funds-usually by accepting deposits or by borrowing in the money markets. Banks borrow from individuals, businesses, financial institutions, and governments with surplus funds (savings). They then use those deposits and borrowed funds (liabilities of the bank) to make 5_____or to purchase securities (assets of the bank). Banks make these loans to businesses, other financial institutions, individuals, and governments (that need the funds for investments or other purposes). Interest rates provide the price signals for borrowers, lenders, and banks.

  A B C D
1. opportunities economy markets services
2. economy institutions banks deposits
3. deposits markets funds investments
4. ask purchase operate imagine
5. loans price demand purposes

X. - (0,6 ):.

a) We received your address from Mr. Smith, our trade representative in Ukraine.

b) We hope to hear from you soon. Sincerely your partners.

c) If you are interested in doing business with us, we would like you to make us an offer with full details.

d) Mr. Smith informed us that you manufacture various types of adding machines ( ).

e) We are very interested in including your machines in our sales program as they are in great demand.

f) Gentlemen.

 

: - , (0,9 ):

pleased, featured, district, to give, concerning, suitable, to arrange, sure, requirements.

a) We were to receive your inquiry of 5 June the SILVA range of machine tools in our new catalogue.

Mr. Donald Jenkins, our Sales Manager, will telephone your office shorty in order a meeting. He will be able you more complete details of the machines and advise you on items.

We are ... you will find our SILVA range excellently suited to your

 

Yours sincerely,

 

F. Tomkins

Sales and Marketing Manager


7. ϲ

 

 

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...

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