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ЕКЗАМЕНАЦІЙНИЙ БІЛЕТ № 13
Leasing
Leasing is different to the other terms of payment, because the title of the goods does not change hands. It is generally used for larger objects such as buildings, land and machinery.
A lease is an agreement between the owner of the object (the lessor) and the person who wants to use it (the leaseholder or lessee), which gives the leaseholder permission to use the object for a fixed period,
Leasing is good way for me to earn a regular income from my property over a long period. The main risk for me here is that the leaseholder may not be able to keep up his payments.
Thanks to leasing, I can make use of buildings and equipment which I otherwise might not be able to I afford.
When it comes to dealing with money, the banks provide a variety of services essential to trade and to the economy of a country. There are two main types of bank:
These are the institutions which control the banking of the entire country; they work together with the government to control the country's economy. The central bank of the United Kingdom is the Bank of England, in the USA it is the Federal Reserve System, in single-currency Europe the European Central Bank, etc.
The central bank has a number of different functions:
a) To issue banknotes and coins, the country's currency. These notes and coins are legal tender in the country where they are produced; this means that traders in that country may not refuse them when they are offered as payment.
b) To look after the country's gold reserves.
c) To make sure that the country's currency keeps its value.
d) To act as bankers for the government and the other banks.
e) To keep inflation under control. Inflation happens ""hen there is a lot more money (in the form of banknotes and credit) available than there are goods for sale (in other words, when demand for the goods exceeds supply). When this happens, prices increase sharply and often. To stop it, the usually several years. In return, the leaseholder pays rent to the lessor, and is responsible for the object leased (he has to arrange insurance and carry out repairs, for example).
When the lease expires, the leaseholder may be able to extend it or even to buy the object leased at a reduced price. In the case of items such as technical equipment, he may be able to return the object and take out a lease on a newer model.
Голова предметної комісії ____________________ Бондаренко О. А.
(підпис) (прізвище та ініціали)
Екзаменатор ___________________ Клант Л. М. ( підпис) (прізвище та ініціали)