UNIT 1: CHEQUES

VOCABULARY LIST
PART A
1 Cheque number (n)
2
3
4
5
6
7
8

Number identifying one cheque from

another
Counterfoil (n)= stub
The part of a cheque that you keep as a
record when you give the other part to sb
else
Crossing (n)
Two parallel lines down the middle of a
cheque
Drawee (n)
Bank of a drawer, bank issuing cheque
book to the account holder.
Drawer (n)
A person who writes a cheque or bill of
exchange that asks for a payment to be
made to sb
Payee (n)= beneficiary
A person that money or a cheque is paid
to
Sort
code
(n)=
bank The set of numbers, found on a cheque,
identification number
etc., that identifies a particular bank
Specimen (n)
An example of your signature that you
give to a bank, etc. so that they can
compare it with the way your name is
signed on cheques and other documents

PART C
1 Bearer cheque (n)
2

Crossed cheque (n)

3
4

Identity (n)
Loss (n)
To lose- lost- lost (v)
Make out (v)
Open cheque (n)
Pay into (v)
Proof (n)= evidence

5
6
7
8

An open cheque that a bearer is also the

beneficiary of the cheque
A cheque with the crossing in the middle of the
cheque
who or what sb/sth is
money that has been lost by a business or an
organization
Write a cheque, draw a cheque
A cheque without the crossing
Deposit
Information, documents, etc. that show that sth
is true

PART D
1 Guarantee
(v)/
(n)=
assurance
2 Cheque guarantee card
(v)= Cheque card=
bankers card
3

EFTPOS (n): electronic

funds transfer at point of
sale

Salesperson (n)

a firm promise that you will do sth or that sth

will happen
a plastic card that you must show when you
pay by cheque to prove that the bank where
you have your account will pay the amount
on the cheque
a system used in shops/stores to allow people
to pay for goods or services using a bank card
or credit card. The money is paid directly from
the customers account by a computer link
a person whose job is to sell a companys

goods or services
PART F
1 Adjust (v)
2
3

Bank of England
Clearing (n)

Circulation (n)

5
6
7

Common (adj)
Credit (v)
Debit (v)

Efficient (adj)=
Effective
Either or (conj)
Honour (v)
dishonour
Illegal (adj),
illegally (adv)
Illegible (adj)

9
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2
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3
1
4
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5
1
6
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7
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8
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9
2
0
2
1
2
2

Initial (adj)/ (v)

Magnetic ink (n)
Money supply (n)
Official (n)
Operate (v)
Owe (v)

to change sth slightly to make it more suitable or

more accurate
the central bank of the UK
the activity of exchanging payments that customers
of different banks make to each other
the use of coins and notes as money
Ex: There is a large amount of forged money in
circulation.
popular
to put an amount of money into a bank account
to take an amount of money from an account,
especially a bank account
doing sth well and thoroughly with no waste of time,
money, or energy
you choose one between two things
to pay money
not allowed by the law
cannot read, unreadable
happening at the beginning; first
to mark or sign sth with your initials
printed line of black material on a plastic card,
containing information
the total amount of money that exists in the
economy of a country at a particular time
a person who is in a position of authority in an
organization or a government
run, manage
to have to pay sb for sth that you have already
received or return money that you have borrowed
to give sb a cheque or bill that they should pay

Present (v)
Process (v)=
handle
Proportion (n)

to deal officially with a document, request, etc

Reconcile (v)
Reconciliation (n)

to make one set of financial records or figures agree

with another

a part or share of a whole

UNIT 2: PLASTIC MONEY

VOCABULARY LIST
Part C+D
1 Annual (adv)

Yearly, once a year

Hang nam

2
3
4
5
6
7
8
9
1
0

Available (adj)
Availability (n)
Economic (adj)
Enquiry
terminal (n)
Except
(prep,
conj)
Existing (adj)
In general (exp)
In
place
of
(exp)
Issue (v)
Microchip (n)

(of things) that you can get, buy or

find
Of economy
a machine where you can get
information
Apart from, beside
Current
Usually, mainly, as a whole
Instead of
Make sth known officially
a very small piece of a material
that is a semiconductor, used to
carry a complicated electronic
circuit
Have, possess

Co
the
co
c
Kinh te
May (chu) bao
thong tin
Ngoai tr, tr
ra
Hien tai
Noi chung
Thay cho, thay
the cho
Phat hanh
Con chip ien
t

1
1
1
2

Own (v)

1
3
1
4
1
5
1
6
1
7
1
8
1
9
2
0

Plastic card (n)

credit cards or other bank cards

Lam chu,
hu
Thanh toan
toan bo
tien
a
dung
The nha

Purchase (n)/(v)

to buy sth

Mua, viec mua

Purpose (n)

Muc ch

Reduce (v)

the intention, aim or function of

sth
Decrease

Save (v)

Keep money instead of spending

Similar to (adj)

like sb/sth but not exactly the

same
to pass money from one place to
another
to look at sth, especially when you
look carefully

Tng t vi,
giong vi
Chuyen (tien)

be seen

Xuat hien

ATM card

The rut tien

tai ATM
May rut tien

Pay account in Clear account

full (exp)

Transfer (v)/(n)
View (v)

Part E
1 Appear (v)
Appearance (n)
2 Cash card (n)
3

Cash
(n)

dispenser a machine in or outside a bank,

etc., from which you can get
money from your bank account
using a special plastic card SYN
ATM
Current (adj)
present, existing

Giam,
giam
Tiet kiem

s
lai
so
s

cat

Xem

Hien tai, hien

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7
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9
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1
1
1
2
1
3
1
4
1
5
1
6
1
7
1
8

1
9

Currently (adv)
Follow (v)
Insert (v)
Insertion (n)
Instruction (n)=
direction
Instruct (v)
Keep
secret
(exp)
Key (v)

nay
Obey
Tuan theo
insert sth (in / into / between sth) a (the) vao
to put sth into sth else
detailed information on how to do Li hng dan
or use sth

Link (v)

interface

Nhap
ma)
Ket noi

Memorise (v)

keep in mind

Ghi nh

Occupation (v)

job, profession

Nghe nghiep

Order (n)/(v)

Instruction

Lenh, ra lenh

other

people

knowing

Provide (v)
supply
Screen (n)

= to give sth to sb or make it

available for them to use
the flat surface at the front of a
television or computer, on which
you see pictures or information
Show= display to help sb to do sth by letting
(v)
them watch you do it or by
explaining it
Staff (n)
all the people who work for a
company or an organization
Teller (n)
A bank employee who works at
the counter providing customers
with bank services such as
opening
account,
depositing
money, etc.
Withdraw
(v)- to take money out of a bank
withdrewaccount
withdrawn

Part G
1 Administer (v)=
manage
Administration
(n)
Administrative
(adj)
2 Advantage (n)
3

without
about it
enter

Collect (v)

to manage and organize

affairs
of
a
company,
organization or a country

Gi b mat

Cung cap
Man hnh
Cho thay,
biet

cho

Toan the nhan

vien
Giao dch vien

Rut tien

the Quan ly
an

a thing that helps you to be Li

the,
better or more successful than iem
other people, good point
to ask people to give you money Thu ho
for a particular purpose

(mat

Commission (n)

Computer
terminal (n)

6
7

Constantly (adv)
Convenience (n)

Cost (n)

Credit limit (n)

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0
1
1
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2
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3
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4
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5
1
6
1
7

Due (adj)

1
8
1
9
2
0
2
1
2
2
2
3
2
4

Immediately
(adv)
In effect (adv)

an amount of money that is

charged by a bank, for example,
for providing a particular service
a piece of equipment, usually
consisting of a keyboard and a
screen that joins the user to a
central computer system
all the time; repeatedly
the quality of being useful, easy
or suitable for sb

Tien hoa hong,

tien ph

the amount of money that you

need in order to buy, make or do
sth
The maximum amount you can
use with your credit card
that must be paid immediately or
at the time mentioned
At once, without delay

Chi ph

As a result

Ket qua la

List (v)/(n)

May tnh chu

Lien tuc
Tien li

Han
mc
dung
Phai tra

tn

Ngay lap tc

To write a list of things in a Liet ke, danh

particular order
sach
Loan (v)/(n)
To lend money, money lent to s.o Khoan vay, cho
vay
Make credit (v)
Lend money
Cap tn dung,
cho vay
Minus (n)/ (adj)/ Taking away, subtracting
Tr i
(prep)
Mug (v)- mugged to attack sb violently in order to Tran lot
steal their money, especially in a
public place
Network (n)
a number of computers and Mang
other devices that are connected
together so that equipment and
information can be shared
On
the
other used to introduce different points Mat khac
hand (exp)
of view, ideas, etc., especially
when they are opposites
Premises (n)
the buildings and land that a C
s
kinh
business owns or uses
doanh,
mat
bang kinh doanh
Provided
If, on the condition that
Mien la, vi
ieu kien la
Report (v)/ (n)
Give information
Bao
cao,
thong bao
Retailer= trader= Salesperson
Ngi ban le
shopkeeper
Rob (v)- robbed
to steal money or property from Cp
a person or place

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5
2
6
2
7
2
8
2
9

Run a risk (exp)

Suffer harm

Chu (b) rui ro

Sales (n)

the amount of goods or services

sold
a printed record of money paid,
received, etc

Doanh so ban

Giao dch

3
0

Travel agent (n)

3
1
3
2

Update (v)

a piece of business that is done

between people, especially an
act of buying or selling
a person or business whose job is
to make arrangements for people
wanting to travel, for example
buying tickets or arranging hotel
rooms
to give sb the most recent
information about sth
Receipt

Statement (n)
Take = write (v)
Transaction (n)

Voucher (n)

Part K
1 Authorize (v)
Authorization (n)
2 Card reader (n)
3

5
6
7

8
9
1
0
1
1

Central
(n)

to give official permission for sth,

or for sb to do sth
Device which can read the
information on the card to
authenticate it
Switch Centre which processes the debit
cards in the UK

Ban bao cao

tai khoan
Ghi lai, viet

ai ly du loch

Cap nhat
Hoa n

Uy quyen
May oc the

May chu cua

trung tam the
thanh toan
Anh
Code (v)/ (n)
a system of words, letters, Mat ma, ma
numbers
or
symbols
that hoa
represent a message or record
information secretly or in a
shorter form
Confirm (v)
to say or show that sth is Xac nhan
Confirmation (n)
definitely true or correct
Detail (n)
Fact or information
Chi tiet
Electronically
having or using many small parts, T ong, ien
(adv)
such as microchips, that control t
Electronic (adj)
and direct a small electric
current; automatically
Enable
(v)
= to make it possible for sb to do Cho
phep,
Allow
sth
khien cho
Encode (v)
To put a message into code
Ma hoa
Exactly (adv)
Precisely
Mot cach chnh
xac
In order (exp)
as it should be
Theo th t

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2
1
3
1
4

1
5

Magnetic
(n)

strip a line of black material on a

plastic
card,
containing
information
Meanwhile (adv), while sth else is happening
in the meantime
Petrol station (n) a place at the side of a road
=gas
station= where you take your car to buy
filling
petrol / gas, oil, etc.
station=service
station
Point of sale (n)
the place where a product is sold

1
6

Receipt
sales slip

(n)= a piece of paper that shows that

goods or services have been paid
for
choose Pick up one thing among others

1
7
1
8
1
9

Select=
(v)
Stand for (v)

2
0
2
1
2
2

Telephone
(n)
Transmit
transmitted
Via (prep)

Represent

Swipe (v)-swiped

to pass a plastic card, such as a

credit card, through a special
machine that is able to read the
information stored on it
wire metal in the form of thin thread

Day t tnh
Trong khi
ong thi
Tram xang

o,

iem
ban
hang, ni tnh
tien trong ca
hang hay sieu
th
Bien nhan
Chon,
tuyen
chon
Tng trng cho,
ai dien cho
Ca (the), quet
(the)

ng
ien thoai
(v)- to pass sth from one person to Truyen
another SYN transfer
By, through
Thong
bang

day

qua,

UNIT 3: PERSONAL ACCOUNTS

Word list
Part B+C
1
2
3
4

Along
with
(pre)
Bankers draft
(n)=
bank
cheque, draft
Credit transfer
(n)

in addition to sb/sth; in the same way

as sb/sth
a cheque signed by your bank that
you buy and use to pay sb who will
not accept an ordinary cheque
the process of sending money from
one persons bank account to
anothers
Direct
debit especially in the UK, an instruction to
(n)
your bank to allow sb else to take an
amount of money from your account
on a particular date, especially to pay
bills
In favour of
Pay to someone

Cung vi
Hoi
phieu
chuyen tien
Chuyen khoan
Lenh
uy
nhiem thu

Tra cho (ai)

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7
8

9
10
11
12

13
14

15

Mandate (n)

an official order and instruction given

to sb to perform a particular task
Mark
(v)- to write or draw a symbol, line, etc.
marked
on sth in order to give information
about it
Mortgage (n)
a legal agreement by which a bank or
similar organization lends you money
to buy a house, flat/apartment, etc.
or land, and you pay the money back
over a number of years; the sum of
money that you borrow
Outgoings (n) the amount of money that a person
=
SYN or a business has to spend regularly,
expenditure
for example every month
Provide for (v) to give sth to sb or make it available
SYN supply
for them to use
Reference (n)
a thing you say or write that
mentions sb/sth else; the act of
mentioning sb/sth
Remit (v)
Send money
Remittance
(n)
Remitter (n)
Rent (v)/ (n)
an amount of money that you
regularly pay so that you can use a
house, etc.
Standing
an instruction that you give to a bank
order (n) = to pay sb a fixed amount of money
bankers order from your account on the same day
each week, month, etc
Telegraphic
a quick way of moving money from
transfer (n) = one bank to another anywhere in the
wire transfer, world by telephone, computer, etc.
cable transfer

Part D + E:
Cash
1
2
3
4
5
6
7

Lenh,
mau
(n)
anh
dau,
ong dau
Khoan vay mua
bat ong san

Khoan chi
Cung cap cho
Tham
khao,
tham chieu
Gi tien

Tien
nha

thue

Lenh
uy
nhiem chi nh
ky
ien
tien

chuyen

flow
position
Complaint (n)
Complain (v)

The amount of money at a particular

time.
to say that you are annoyed,
unhappy or not satisfied about
sb/sth

Tien mat ton

quy
Than
phien,
phan nan

Considerably
(adv)
Consumer (n)

Significantly, noticeably

ang ke

a person who buys goods or uses

services
Creditor (n)
a person, company, country, etc.
that sb/sth owes money to
Doubt (n)
a feeling of being uncertain about
Doubtful (adj)
sth or not believing sth
Efficient (adj) doing sth well and thoroughly with

Ngi
dung
Chu n

tieu

Nghi ng, ieu

nghi ng
Co hieu qua,

no waste of time, money, or energy

11

= effective
Efficiently
(adv)
Efficiency (n)
Excess
(adj)/
(n)
In the form of
(exp)
Operate (v)
Operation (n)
Originator (n)

12

Output (n)

the amount of sth that a person, a

machine, an organization or an
industry produces

13

Point of view Viewpoint, opinion, standpoint

Quan iem
(exp)
Quote (v)
to mention an example of sth to Trch dan

8
9
10

14
15
16
17
18
19
20

Reduce (v)
Reduction (n)
Settle (v)

more
than
acceptable

is

necessary

or D, vt qua

In the way of

Di hnh thc

Run, manage

ieu
hanh,
hoat ong
Ngi
thu
hng,
ben
at lenh uy
nhiem thu
San lng

Payee, beneficiary

support what you are saying

decrease
Solve, pay

Shareholder
(n)
Social security
(n) = welfare
Subject
(exp)
Trace (v)

hu hieu

a person or group that owns shares

in a company or business
money that the government pays
regularly to people who are poor,
ill/sick, unemployed, etc
to Depend on

to find or discover sb/sth by

looking carefully for them / it

Giam,
cat
giam
Thanh
toan,
giai quyet
Co ong
Phuc
hoi

li

xa

Tuy
thuoc
vao
Ra soat lai

Part G+H:
Act (as) (v)
1

ong vai tro

ieu chnh

to do sth for a particular purpose

or in order to deal with a situation
Adjust
(v), to change sth slightly to make it
adjustment (n)
more suitable for a new set of
conditions or to make it work
better
Backing (n)
Financial support

Correspondent
bank (n)

Drawn
(exp)

on

a bank that provides services for

a
bank
in
another
place,
especially one in another country
itself Cash at the bank issuing the
document

Ho
tr
tai
chnh
Ngan
hang
ai ly
Rut tien mat
tai ngan hang
phat hanh

Intermediary (n)

7
8

International
transfer (n)
Issue (v)

Mail transfer (n)

10

Otherwise (adv)

in a different way to the way

mentioned; differently

11

Post (v)

Send by post

12

Specific
(adj) detailed and exact, particular
specifically (adv)
specify (v)
SWIFT (n)
Society
for
Worldwide

13

a person or an organization that

helps
other
people
or
organizations who are unable or
unwilling to deal with each other
directly to reach an agreement
Sending money from one country
to another
to produce coins and paper
money and make them available
to the public
Postal transfer

Interbank
Telecommunication
14

Transmit (v)
Transmission

Part I+J+K
Benefit (n) /(v)
1

an advantage that sth gives you; a

helpful and useful effect that sth has
a real or imagined line that marks
the limits or edges of sth and
separates it from other things or
places
to change or make sth change from
one form, purpose, system, etc. to
another
A bank belonging to inside a
particular country
You can choose one of them

Boundary (n) =
border

Convert
(v)
conversion (n)

Domestic bank
(n)
Either .. or
(exp)
Instant (adj)
happening
Instantly (adv)
immediate:
Inter-bank (adj)
Between banks

8
9

5
6

Chuyen
tien
ra nc ngoai
Phat hanh
Th
chuyen
tien
Mat
khac,
neu
khong
phai nh the
th
Gi
qua
ng
bu
ien
Cu the
Dch vu SWIFT

Financial

to pass or send sth from one

person, place or thing to another

To chc trung
gian

Truyen

Loi ch, co
li
Bien gii

Chuyen oi

immediately SYN

Ngan hang
trong nc
Hoac
hoac
Ngay lap tc

Join (v)

Participate

One-off
payment (n)

Payment made or happening only

once

Lien
ngan
hang
Tham gia, gia
nhap
Chuyen tra
1 lan

10

10

Online (adj)

11
12

Reliable (adj)=
dependable
Reliably (adv)
Request (v)/ (n)

13

Secret (n)

14
15

Single (adj)
Straightforward
(adj)

16
17

Unique (adj)
Utility (n)

controlled by or connected to a Trc tuyen

computer or to the Internet
that can be trusted to do sth well; ang tin cay
that you can rely on
the action of asking for sth formally
and politely
something that is known about by
only a few people and not told to
others
only one
easy to do or to understand; not
complicated

Yeu cau
B quyet

Ch (1 lan)
De hieu, de
lam
khong
phc tap
being the only one of its kind
Duy nhat
a service provided for the public, for Dch vu tien
example an electricity, water or gas ch
supply

UNIT 4: Interbank Electronics

Reading I:
Giro (n)
Describe (v) -Description (n)
Collect (v) collection (n)
Debt (n)
Value (n)
In a form (exp)
Recognize (v) -Recognition (n)
Sort (v)
Credit slip (n)
Size (n)
Optical (adj)
Security courier service (n)
Reading II
Postal transfer (n)
Credit voucher (n)
Normally (adv)- Normal (adj)
Codeword (n)
Likewise (adv)
Decode (v)
Refer (v)
Upward limit (n)
Route (n) / (v)

He thong chuyen tien

Mo ta
Thu ho, nh thu
Khoan n, mon n
Co gia tr
Di hnh thc
Nhan dang
Phan loai
Phieu gi tien
Kch c, quy mo
Th giac
Dch vu bao an
Th chuyen tien
Phieu chuyen tien kiem lenh
chi
Thong thng
Bang ma hoa
Nh the, tng t nh the
Giai mat ma
Tham khao, tham chieu
Gii han toi a
Tuyen ng, gi theo tuyen
ng

11

Communicate
Communication
(n)
Communicative (adj)
Affect (v)
Delay (v)/ (n)
Express postal delivery
Reading III
Handle (v)
Corporate customer (n)
Provide for (v)
Joint owner (n)
Economies of scale (exp)

(v)- Giao tiep

-

Actual (adj) Actually (adv)

Point of view (exp)
Paperwork (n)
In addition (exp)
Due (adj)/ (adv)/ (n)
Via (adv)
Specify (v) specific (adj)
Specification (n)
Reading IV:
Clearing bank settlement
bank (n)
Transmit (v) - Transmission (n)
Messenger (n)
Participant (n)-Participate (v)
Interface (v)/ (n)
Network (n)
By means of (exp)
Gateway (n)
Package (n)
Steady (adj)- Steadily (adv)
TANDEM computer (n)
Inward payment (n)
Outward payment (n)
Accompany (v)
Authenticate
(v)
-Authentication (n)
Advise= Inform (v)
Equivalent
(adj)
/
(n)
-Equivalently (adv)
Reading V:
Co-operative (adj)
Profit (n)- profitability (n)Profitable (adj)

Tac ong, anh hng

Tr hoan, cham tre
Th phat chuyen nhanh
X ly
Khach hang cong ty
Chu cap cho, cung cap cho
ong s hu chu
Viec giam bt chi ph san
xuat, Quy luat so nhieu
Thc s, thc te
Quan iem
Cong viec giay t
Ngoai ra, them vao
en han
Qua, xuyen qua
Cu the, quy nh cu the
Ngan hang thanh toan
Truyen (tin)
Ngi a tin
Ngi tham gia
Ket noi, giao dien (dt)
Mang
Bang phng tien
Cong vao, cong noi
Bo, goi
eu an, t t
May tnh loai tandem
Khoan tien chuyen en
Khoan tien chuyen i
i kem theo, i cung vi
Xac minh
Thong bao
Tng ng
Hp tac
Li nhuan- kha nang sinh lico li nhuan
12

Connect (v) - Connection (n)

Encode (v)
Base (n)
Capital expenditure (n)
Operating cost (n)
Meet out of (exp)
Documentary credit (n)
Confirmation (n) - Confirm (v)
Update (v)
Version (n)
Expand (v) Expansion (n)
Reading VI:
Remote (adj)
Cancel (v) cancellation (n)
Computer monitor (n)
Adaptor (n)
Keyboard (n)
Connector (n)
Telephone socket (n)
Modulator demodulator (n)
Telephone wire (n)
Call up (v)
Maiden name (n)
Periodically (adv)
Freeze- froze- frozen (v)

Ket noi
Ma hoa
Can c
Chi xay dng c ban
Chi ph hoat ong
ap ng nh vao
Tn dung chng t
Xac nhan
Cap nhat hoa
Phien ban
M rong
Xa cach, xa xi, t xa
Huy bo
Man hnh may tnh
Thiet b tiep hp
Ban phm
Bo noi
O cam
ieu bien
ng day ien thoai
Goi ra
Ten cua ngi phu n khi
cha lap gia nh
nh ky
ong bang

UNIT 5
OPENING BUSINESS
ACCOUNTS
VOCABULARY LIST
PART C+D
Aeroplane ['erplein],
airplane
Affect ['fekt] (v)
effect [i'fekt] (n)

a flying vehicle with may bay, tau bay

wings and at least one
engine
to cause a change in anh hng n ai/cai gi; tac
someone
or n g n n ai/cai gi

13

Authority [:'riti] (n)

Authorize (v), authorization
[,:rai'zein] (n)

Carry on ['kri] (ph v)

Carry out (ph v)

Corporate ['k:prit] (adj)

(n)

Form [f:m] (n),

(v)= to set up
Formation [f:'mein] (n)
Founder ['faund] (n), to
found (v), foundation (n)
Glacier ['glsi] (n)

Insurance Policy
[in'urns,plisi] (n)
Legal ['li:gl] (adj)
Literary ['litrri] (adj)
Mandate ['mndeit] (n)/
(v)
Partnership ['p:tnip] (n)

something,
or
to
change the situation
they are in
the people or an
organization who have
the power to make
decisions or who have
a particular area of
responsibility
in
a
country or region
to
continue
doing
something
to do something that
has been planned or
discussed,
or
that
someone has told you
to do
connected
with
a
company or a group,
or with business in
general,
a company, especially
a large one
to start a group of
people, such as an
organization,
a
committee, etc.
the
action
of
establishing
or
developing sth
a person who starts an
organization,
a
company, etc
a large mass of ice
that
moves
slowly
down
a
mountain
valley
a written agreement
between a person or
company
and
an
insurance company
allowed or required by
law
relating to literature

ngi co thm quyn, ngi

ho c nhom ngi co quyn
ra l n h ho c thi hanh

xuc tin, tip tuc

tin hanh, thc hi n

v ho c thu c v lin hi p
cng ty
cng ty ln

hinh, hinh th, hinh dang,

hinh dang, dang
t chc, thit l p, thanh l p
s hinh thanh, s thanh l p
ngi thanh l p, ngi sang
l p
(ia ly,ia cht) sng bng

hp ng bao him, bao

khoan

thu c v ho c da trn lu t
phap
(thu c) vn chng; co tinh
cht vn hoc
a document that gives l nh (c giao cho ai
a bank or sb else the lam cai gi); nhi m vu
power to deal with s uy nhi m; s uy thac; s
uy quyn
your account
a relationship between s c ng tac, gop voan
people who own a

14

Pension scheme ['penn]

[ski:m] (n),
pension plan (Bri),
retirement plan (Am)

Privatization
[,praivitai'zein] (n)
Privatize ['praivitaiz] (v)
Procedure [pr'si:d] (n)
Restriction [ri'strikn] (n),
restrictiveness (n)
Restrictive [ri'striktiv] (adj)
Restrictionism
[ris'triknizm] (n)
restrictionist (adj), (n)
Right [rait] (n)
Set out (ph v)
Set up (ph v)

Sole trader [soul] ['treid]

(n), sole proprietor

Stage [steid] (n)

Stall [st:l] (n)

Subsidiary [sb'sidiri] (n)

subsidize ['sbsidaiz] (v)
Target ['t:git] (n) (country)

business together and

share the profits and
risks
a system in which you,
and
usually
your
employer, pay money
regularly
into
a
pension fund while you
are employed. You are
then paid a pension
when you retire
to sell a business or an
industry so that it is no
longer
owned
and
controlled
by
the
government
a way of doing sth,
especially the usual or
correct way
a rule or law that limits
what you can do or
what can happen

Qu lng hu

s t nhn hoa, s t hu
hoa

thu tuc (trong kinh doanh,

(chinh tri), (phap ly)..)
s han ch, s gii han

chinh sach han ch

a moral or legal claim
to have
to explain something
clearly in writing or
speech
Establish, to start a
company
or
organization

quyn

sp t, trng bay, ph
trng, ph bay, bay to, trinh
bay
a ra (m t thuyt); bt u
(m t ngh); m (trng
hoc), thanh l p (m t uy ban,
m t t chc)
a person who owns Ngi kinh doanh ca th
and runs a business
and is the only person
who
is
legally
responsible for it
a period or state that giai oan
sth passes through as
it develops
a table or small shop quy, ban bay hang, quan
that people sell things ban hang, sap ban hang
from, especially in a
market
(about a company) cng ty ma hn phn na
owned or controlled by vn cua no thu c quyn s
hu cua m t cng ty khac;
another company
cng ty con
a
result
that
a kt qua nhm ti, muc tiu

15

Valley ['vli] (n)

business
or
an
organization tries to
achieve
an area of lower land
thung lung
between two lines of
hills or mountains

PART F+G
Basis ['beisis] (n)

the way things are

done, organized or
arranged
Community [k'mju:niti] (n) a group of people who
share the same race,
religion, job
Connected [k'nektid]
The companies having
companies ['kmpniz]
the relation with this
(n)
company
Form [f:m] (n)
an official paper or
electronic
document
containing
questions
and
spaces
for
answers or information
Formality [f:'mliti] (n)
a thing that you must
do as a formal or an
official part of a legal
process,
a
social
situation
Frequency ['fri:kwnsi]
the number of times
(n)= Frequence,
that
something
frequent ['fri:kwnt] (adj)
happens
frequently (adv)
to make an arrangement
Insure [in'u] (v),
with a company in which
insurance (n) policy,
you pay them regular
insurance premium

c s
c ng ng
Cac cng ty v tinh
mu (n...)

s theo ung quy cach, s

theo ung thu tuc, tuan theo
thu tuc
tn s xut hi n

bao him

amounts of money or
make a single payment
and they agree to pay
you money, for example
if you die or are ill/sick,
or if you lose or damage
sth

Item ['aitm] (n) Itemize

(v)
Liable ['laibl] (adj) for
Mortgage ['m:gid] (n)

a single thing on a list

khoan (ghi s...), mon (ghi

trong n hang...); tit muc
legally responsible for co trach nhi m v phap ly,
co nghia vu v phap ly
paying the cost of sth
a legal agreement by Khoan vay th chp
which a bank or similar
organization lends you
money to buy a house,
flat/apartment, etc. or
land, and you pay the
money back over a

16

Prospective [prs'pektiv]
(n)
Reference ['refrns] (n)

Severally ['sevrli] (adv)

Signed [saind] declaration
[,dekl'rein]
Solicitor [s'lisit] (n)

Trading ['treidi] premises

['premisiz]
Valuable ['vljubl] (adj)
worthless
Voluntary ['vlntri] (adj)

number of years
Potential

Tim nng

a letter written by sb Th gii thiu

who knows you, giving
information about your
character and abilities,
especially to a new
employer
separately
m t cach ring re, ring
bi t, tach bi t
The action of signing a Ky cam kt
document to assure
sth
a lawyer who prepares lu t s; c vn phap lu t
legal
documents,
advises
people
on
legal
matters
and
represents them in
some courts
the buildings and land
that a business does its
business
worth a lot of money
done
willingly,
not
because you are forced

C ngi kinh doanh

co gia tri ln, quy gia; co gia tri
nhiu tin
t y; t nguy n

PART I+J+K
Acting ['kti] for ,
representing [,repri'zenti],
on behalf [bi'h:f] of
Articles [':tiklz] of
Incorporation
[in,k:p'rein] (n) (Am)

Attach ['tt] (v)

attachment ['ttmnt]
(n)
Certify ['s:tifai] (v)
Delete [di'li:t] (v), (n)

ai din cho
one
of
the
legal iu l thanh lp va quan ly
documents
that
is cng ty
created
when
a
company is formed. It
states the name and
address
of
the
company, its purpose
and the amount of
money it can raise by
selling shares
to send a document to inh km, km theo
sb using email
to
state
officially,
especially in writing,
that sth is true
to remove sth that has
been
written
or
printed, or that has
been stored on a

17

chng nh n, nh n thc,
chng thc; cp giy chng
nh n
gach i, xoa i, bo i

Forward ['f:wd] (v)

Genuine ['denjuin] (adj)

In force [f:s]
Inaugurate [i'n:gjureit] (v)
Inauguration [i,n:gju'rein]
(n)

computer
to send or pass goods, gi (bc th...) n ia chi
information, an email, mi; chuyn ia chi mi;
chuyn ho c gi (hang hoa,
etc. to sb
tin tc) n m t khach hang
something that is
th t; xac thc
genuine is real or true
if a law or rule is in
Co hiu lc phap ly
force, it already exists
to open a building or
Khai mac, khanh thanh
start an organization,
event etc for the first
time

Memorandum and Articles one

of
the
legal iu l thanh lp va quan ly
of Association (n)
documents
that
is cng ty
created
when
a
company is formed. It
states the name and
address
of
the
company, its purpose
and the amount of
money it can raise by
selling shares
Minute book ['minitbuk] (n)
the book, file, etc. S ghi bin ban
where an organization
keeps
an
official
record of what is said
and decided at formal
meetings
(the
minutes)
Number plate ['nmb'pleit](n)
License plate (Am)
Officially ['fili] (adv)
Resolution [,rez'lu:n] (n)

Resolve [ri'zlv] (v)

Revocation [,rev'kein] (n)
Revoke [ri'vouk] (v)

Share [e] capital ['kpitl]

the sign on the front and

back of a vehicle that
shows its official number
in an official or formal
way
a formal statement of an
opinion that is decided
on by a committee or a
council, especially by
means of a vote
to reach a decision by
means of a formal vote
Official cancelation
to officially cancel sth
such as a decision,
licence,
rule
or
a
particular right to do sth
the money that investors
put into a company
when they buy shares,
which the company uses
to continue its activities

18

bin ng ky xe, bin s xe

m t cach trinh trong, m t cach
chinh thc
quyt inh, y inh kin quyt,
cam kt; quyt tm

quyt inh

s huy bo
huy bo

Vn c phn

UNIT 6
FACTORING SERVICES
Vocabulary list
Part C+D
Arise ['raiz] (v)- arosearisen
Bad debt [bd det] np
Bankrupt ['bkrpt]n go bankrupt (exp)
Battle ['btl] (v)

Comparatively

[km'prtivli] adv
Comparative (adj)

Compete [km'pi:t] v
Competition (n)
Competitive
[km'petitiv] adj
Competitor (n)
Consumer credit
[kn'sju:m'kredit] np

Debt collection [k'lekn]

np

Defeat [di'fi:t] (v), (n)

Delay payment [di'lei
'peimnt] np

Disaster [di'z:st] n

To happen; to start to
exist
SYN occur:
a debt that will not be
paid
without enough money
to pay what you owe
SYN insolvent:
to try very hard to
achieve sth difficult or
to
deal
with
sth
unpleasant
or
dangerous
as compared to sth/sb
else
SYN relatively
to try to be more
successful
or
better
than sb else

Nay sinh, phat sinh

N kho oi
Pha san- B pha
san
Chien au, tranh
au

Tng oi
Canh tranh, tranh
gianh

loans made by banks Tn dung tieu dung

and
shops/stores
to
customers, that allow
them to buy sth now
and pay for it later
the activity of obtaining Thu hoi n
money from people who
owe money for goods or
services
they
have
received, often by going
to their homes to get it
to win against sb in a anh bai
competition, etc.
SYN beat

Defer payment

Hoan viec tra n,

cham tra
an unexpected event, Tai hoa
such

as

very

19

bad

Extract ['ekstrkt iks'trkt] (v)

Face [feis] (v)-faced [feist]
Factoring
service['fktri 's:vis]
- factor ['fkt] n

Finance ['fainns;
fi'nns]

np/v

Handle ['hndl] v- handled

Hardly ['h:dli] adv
Impose [im'pouz] v
Imposition n

Inflation [in'flein] n
Inflationary (adj)
OPP: deflation

Items ['aitmz]n
Lawn tennis ['l:n,tenis]np

accident, a flood or a
fire, that kills a lot of
people or causes a lot of
damage
SYN catastrophe
to
get
money,
information,
etc.,
especially from sb who
is unwilling to give it
deal with difficult
problems
a financial arrangement
in which a bank or other
business
(a
factor)
buys the right to collect
payments that are owed
to a manufacturer.
The factor pays the
debts and then collects
the money, receiving a
percentage
of
the
money owed for doing
this
*
the
activity
of
managing
money,
especially
by
a
commercial organization
or a government
* to provide or obtain
money for a project, or
for
a
business
or
government to operate
to manage, organize or
be responsible for sth
almost no; almost not;
almost none
to force sb/sth to have
to deal with sth that is
difficult or unpleasant
a general rise in the
prices of services and
goods in a particular
country, resulting in a
fall in the value of
money; the rate at
which this happens
one thing on a list of
things
Tennis

20

Moi (moc), bon rut

oi mat vi, ng
au vi
* Dch vu bao thanh
toan
* Cong ty bao thanh
toan

Tai chnh, tai tr

X ly, giai quyet

Kho ma, hau nh
khong the
Ap at
Lam phat

Khoan (muc)
Mon quan vt san
co

Make a sale [meik seil]

Be able to sell things

Ban hang, co
doanh thu
Pay for out of your You pay for sth by your Tra cho ai bang
salary (exp)
salary
tien lng
Provide for [pr'vaid f] v
to make preparations to Cung cap cho, chu
deal with sth that might cap cho, chuan b
exp

happen in the future

Raise [reiz] raised [reizd]v

Rely on [ri'lai n] v
Reliable, reliability

Reminder [ri'maind] n

Rise [raiz] v-rose-risen

Second invoice ['seknd
'invis] np

Signify ['signifai] (v)

Signification (n)
Significant (adj)
Significantly (adv)
Squeeze [skwi:z] (n), (v)

Move upwards
to need or depend on
sb/sth
a
letter
or
note
informing sb that they
have not done sth such
as paying a bill
Increase
The
second
bill,
reminding you of the
payment of a bill
to be important

to strictly limit or reduce

the amount of money
that sb/sth has or can
use
Survive [s'vaiv] v- survived to continue to live or
Survival (n)
exist
Trade credit [treid'kredit]
an
arrangement
by
np
which
one
company
allows another company
a period of time in
which to pay for goods
after it has received
them
Trade debt [treid det] np= money that a company
business debt
owes
to
other
companies
Vie [vai] (v) vying to do
to compete strongly
sth
with sb in order to
obtain or achieve sth

Nang len
Da tren
Th nhac nh

Tang len
Hoa n lan hai
Co ngha la, co
tam quan trong
That chat tien te

Song sot, ton tai

c
Tn dung thng mai

Khoan n thng
mai
Ganh ua mot cach
quyet liet, gianh
giat cai g

Part F+G
Access ['kses] (n) to
Apart from ['p:t frm]
pre

Buy at a discount

the opportunity or right Tiep can vi

to use sth
except for
Ngoai ra
Buy sth at a low price

['diskaunt] exp

21

Mua vi mc gia
chiet khau

Consumer goods

goods such as food,

clothing, etc. bought
and used by individual
customers
an organization that
keeps information about
whether people have
paid their debts and
provides
this
information to banks or
companies
the reputation that a
person
or
an
organization
has
for
paying their debts
able to be trusted to pay
back money that is
owed; safe to lend
money to
a large amount of data
on a particular subject
that is stored in a
computer
a person who hates sb
or who acts or speaks
against sb/sth

Hang hoa tieu

dung

KGB

Komityet
Gosudarstvennoy
Bezopasnosti
abbreviation for
Committee for
State Security

Uy ban bao an
quoc gia

Mortgage ['m:gid] n

a legal agreement by
which a bank or similar
organization lends you
money to buy a house,
flat/apartment,
etc.
or
land, and you pay the
money
back
over
a
number of years

Khoan vay the

chap

Neglect [ni'glekt] n, v= omit

to fail or forget to do
sth that you ought to do
connected
with
the
state, government or
public affairs
to improve and begin to
return to a normal
position of a debt that
has not been paid
Let the buyer to buy the
goods now and to pay

Bo qua, khong lu
y en
Thuoc ve Chnh tr,
tnh chnh tr

[kn'sju:m'gudz] np

Credit bureau
['kredit bju'rou] np = credit
agency

Credit status ['kredit

'steits] = credit standing

Creditworthiness ['kredit
'w:inis] n

Data bank ['deit bk]

Enemy ['enimi] n

Political [p'litikl] adj

Recover the debt [ri:'kv
det] exp

Sell goods on credit

22

Phong lu tr thong
tin tn dung

Uy tn tn dung

o tin cay, mc tn
nhiem
Ngan hang D
lieu
Ke thu

Phuc hoi khoan n

Ban hang tra

cham

Trustworthy ['trst,w:i]
adj

SYN reliable

later
that you can rely on to ang tin cay
be
good,
honest,
sincere, etc.

Part I+J+K+L
Agency factoring

Factoring service to the

large companies
to do sth even though
you have been warned
about
the
possible
dangers and will have to
take responsibility for
anything
bad
that
happens
the
lowest
rate
of
interest at which the
central
bank
lends
money to other banks
and
financial
institutions. This is used
by
banks,
etc.
to
calculate
how
much
interest they will charge
to customers that they
lend money to.
the way things are
organized or arranged
the movement of money
into and out of a
business as goods are
bought and sold

Mua ban n

Chase [teis] n, v

to try to obtain or
achieve sth, for
example money, work
or success

Rt uoi, uoi
theo, theo doi

Confidential [,knfi'denl]

meant to be kept secret

and not told to or
shared
with
other
people
Reduction in price
to remove or get rid of
sth/sb

B mat, tuyet mat

['eidnsi 'fktri] np

At ones own risk

Base rate ['beis'reit] np

SYN bank rate, prime
rate (AmE)

Basis ['beisis] n
Cash flow ['kfl] np

adj
Confidentially (adv)

Discount ['diskaunt] n,v

Eliminate [i'limineit] v
Elimination (n)

Lai suat c ban,

Lai suat quy nh
bi ngan hang
trung ng

Nguyen tac
Luong tien, chu
chuyen tien te

Chiet khau
Loai ra, tr ra, loai
bo
Dch vu mua ban
n toan phan
stopped V n, pha san

Full factoring [ful

'fktri] np

Go out of business

Ban than phai

ganh rui ro

having
operating as a business
because there is no
more money or work
available

23

In advance,
advance

pay

in before the time that is

expected; before sth
happens
Non-recourse [,nn ri'k:s] used to describe a loan
adj
or debt where the
lender only has the right
to take back the asset
that was bought with
the loan if the money is
not paid back, and
cannot take any of the
borrowers other assets
Recourse [ri'k:s] n
the legal right to claim
money from sb for a
loss, injury, etc. that
they have caused
Run a risk take a risk
* Suffer harm
* To do sth even though
you know that sth bad
could happen as a result
Sales ledger ['seilz 'led] in a companys financial
np= accounts receivable,
records, a group of
purchase ledger
accounts that is used to
record
the
amounts
owed
by
particular
customers
Status ['steits] n
the legal position of a
person,
group
or
country
Take away ['teik 'wei] vp
To make sth disappear
Take off ['teik':f] vp
to remove sth
Take on ['teik n] vp
to decide to do sth; to
agree to be responsible
for sth/sb
Take over ['teik'ouv] vp
to begin to have control
of or responsibility for
sth, especially in place
of sb else
Take responsibility
Accept to have some
responsibility
Take up ['teik'p]
to continue, especially
starting after sb/sth else
has finished:

Trc, tra trc

Mien truy oi

Truy oi

Chu/ b/ gap rui

ro- lieu lnh
So ghi nhng
khoan phai thu
cua khach hang

Tnh trang
Mang i, lay i
Ci bo, lay i
am nhan, ganh
vac
Tiep quan, ke tuc

Nhan trach nhiem

ganh vac

Part M+N
Assess ['ses] (v)assessment ['sesmnt] n
Cater ['keit] v
Catering service

evaluation [i,vlju'ein]

anh gia

* to provide food and

drinks for a social event
* the work of providing

Nganh an uong

24

Footwear ['futwe] n
Footgear ['futgi] n

Judgment ['ddmnt]n
Luxury goods ['lkri
gudz] np

One-off deal [wn :f

di:l]np

single deal ['sigl di:l] np

Output ['autput] n

Petroleum [p'troulim] n

Skilled [skild] adj

Skillful ['skilfl] adj

Speculative
['spekjultiv]adj
Speculativeness (n)
Speculator (n)

Subsidiary [sb'sidiri] (n)

Textile ['tekstail] n
Track record ['trk 'rek:d]
np

Turnover ['t:n,ouv] n

Typical ['tipikl] adj

SYN representative

food and drinks for

meetings or social
events:
things that people wear
on
their
feet,
for
example shoes and boot
an opinion that you form
about sth after thinking
about it carefully
goods that is expensive
and enjoyable but not
essential
Deal made or happening
only once
the amount of sth that a
person, a machine, an
organization
or
an
industry produces
mineral oil that is found
under the ground or the
sea and is used to
produce petrol / gas,
paraffin, diesel oil, etc
* having enough ability,
experience
and
knowledge to be able to
do sth well
* good at doing sth
(about
a
business
activity) done in the
hope of making a profit
but involving the risk of
losing money
(of a business company)
owned or controlled by
another company
any type of cloth made
by weaving or knitting
all
the
past
achievements,
successes or failures of
a
person
or
an
organization
the total value of goods
or services sold by a
company
during
a
particular period of time
having
the
usual
qualities or features of a
particular
type
of

25

Giay dep, bt tat

S phan quyet
Hang hoa xa x
Vu mua ban mot
lan
San lng

Dau mo, dau hoa

c ao taokheo leo, kheo tay

au c

Cong ty con
Nganh det
Thanh tch trong
qua kh cua mot
ngi hay to chc
Doanh thu

Tieu bieu

person, thing or group

UNIT 7
VINOGRADOVAADVISING A BUSINESS
CUSTOMER

26

VOCABULARY
Reading I: Management policy and planning
to consider or include Ke en, tnh en,
Allow for ['lau]
sb/sth when calculating cap cho
Budget

['bdit]

(n)/ (v)

Bulk purchase

sth
a plan for a particular
period of time of the
income and spending of
a company
Buy in large quantity

[blk'p:ts]

Ngan
sach,
quy

quy,
lap

ngan
ngan

Mua s, mua hang

vi so lng ln

Cash discount

a price reduction that is Chiet khau (v thanh

given if a buyer pays toan bang) tien
immediately or in cash
mat

Cash flow

the movement of money

into and out of a
business as goods are
bought and sold
a political movement
that believes in an
economic
system
in
which the state controls
the means of producing
everything on behalf of
the people. It aims to
create a society in
which
everyone
is
treated equally
to affect sb; to involve
sb
Predict
a particular system or
method of controlling a
country
to make the rules that
apply to an activity, an
industry, etc. less strict;
to make it easier for
more people to take
part
the act of keeping sth in
good
condition
by
checking or repairing it
regularly
Immediately,
at
the
actual place where sth
is happening

Communist

['kmjunist]

adj

Concern

[kn's:n] v/n

Forecast ['f:k:st] v
Government ['gvnmnt]
n

Liberalise

['librlaiz] v

Maintenance
['meintinns] n

On the spot

27

Luong tien

Cong san

Co lien quan en
D tnh, d oan
Chnh phu, chnh
quyen
M rong t
lam cho t do

do,

Bao tr

Ngay, tai cho, tai

cho va luc o

Overheads

['ouvhedz] n

Price structure
[prais 'strkt]

Publican

['pblikn] n

Reformulate

[ri'f:mjuleit]

Trade discount

Upkeep (n)
Variable cost

Vintage

['vintid] n

regular costs that you

have when you are
running a business or an
organization, such as
rent, electricity, wages,
etc
Arrangement for the
orice of goods
a person who owns or
manages a pub
to create or prepare sth
carefully again, giving
particular attention to
the details
an amount of money
that is taken off the
usual cost of goods or
services
when
one
company sells them to
another company or
business
the cost or process of
keeping sth in good
condition
an amount of money
used to produce goods
that varies according to
the quantity made
wine is of very good
quality and has been
stored for several years

Tong ph

C cau gia
Chu quan ru
Viet lai cong thc

Chiet khau thng

mai

Chi ph bao dng

Bien ph

Ru vang chnh vu

READING II: management records and information

the fact of sb being S vang mat
Absence ['bsns] n

Adequate

['dikwit] adj

Auditor [':dit] n

Bought ledger ['led]

n= purchase ledger

away from a place

where they are usually
expected to be
enough in quantity, or
good enough in quality,
for a particular purpose
or need
a person who officially
examines the business
and financial records of
a company to see that
they
are
true
and
correct
in a companys financial
records, the group of
accounts
in
which
amounts
owed
to

28

u, ay u, chnh
ang, thoa ang
Kiem toan vien

So thu mua hang

Consolidated
[kn'slideitid]

credit account

Expected [iks'pektid]
sales
Inherit [in'herit] v

Opportunity cost

Outstanding (adj)
Profitability

['prfit'bilti]

Proportion

[pr'p:n] n

Raw material
[,r:m'tiril]

Rely on
Sales ledger

Sell off

Shortage

Stage

[':tid] n

[steid] n

suppliers are recorded

an arrangement with a
shop/store or business
to pay bills for goods or
services at a later time,
for example in regular
amounts every month
Sales a business wishes
to get
to
have
qualities,
physical features, etc.
that are similar to those
of
your
parents,
grandparents, etc.
the value of sth that
could be done, made,
chosen, etc., that will be
lost when a decision is
made to do a particular
thing
(about payment, work,
problems, etc.) not yet
paid, done, solved, etc
The ability to make
profit
a part or share of a
whole
a
natural
or
basic
substance that is used
to make sth in an
industrial process
Base on, be subject to
in a companys financial
records, a group of
accounts that is used to
record
the
amounts
owed
by
particular
customers
sell all or part of an
industry, a company,
etc., especially at a low
price in order to get rid
of it
a situation when there is
not enough of the
people or things that are
needed
a period or state that
sth/sb passes through

29

Tai
khoan
ban
chu tong hp

Doanh so d kien
Ke tha, ke tuc

Chi ph c hoi

(Tien n) con phai

tra
Kha nang sinh li
Ty le
Nguyen lieu tho

Da tren
So cai ban hang

Ban o, ban thao,

ban ha gia

Thieu hut

Giai oan

Stock control

Systematic

[,sist'mtik]

adj

Turnover

['t:n,ouv] n

Work in progress

while
developing
or
making progress
the process of making
sure that a suitable
quantity
of
goods,
materials or parts are
stored and available at
any time while keeping
the costs of doing this
as low as possible; the
department
in
a
company
that
is
responsible
for
this
process
done according to a
system or plan, in a
thorough, efficient or
determined way
the total value of goods
or services sold by a
company
during
a
particular period of time
Unfinished goods

READING III: Investment and Finance

Accumulated reserve

Kiem soat
ton kho

hang

Co he thong

Doanh thu

Hang hoa d dang

D tr tch luy

['kju:mjuleitid ri'z:v]

Appraisal

['preizl] n

Capacity

[k'psiti] n

Capital goods

Equity

['ekwiti] n

Evaluate [i'vljueit] v
Gearing ['giri] n

a judgement of the anh gia

value, performance or
nature of sb/sth
the number of things or Nang lc
people or the amount of
sth that a container or
space can hold

items
such
as Tai san co nh
machines, equipment
or buildings that are
used
to
produce
goods or services
the money for business Von chu s hu

activities (capital) that

a company obtains by
selling shares rather
than from loans
Assess
anh gia, nh gia

the
relationship
between the amount
of money that a
company owes (debt)
30

and the value of its

shares (equity)
Lessee

[le'si:] n

Lessor

['les:] n

Make the best use of

Ministry

Output

['ministri] n

['autput] n

Plant
Privatize

['praivitaiz] v

Productivity
[,prdk'tivti] n

Proposal- Propose
Surplus ['s:pls] n
Venture capital
['vent 'kpitl]

a person who has use of

a building, an area of
land, etc. on a lease
a person who gives sb
the use of a building, an
area of land, etc. on a
lease
to use sth/sb, especially
in order to get an
advantage
a
government
department that has a
particular
area
of
responsibility
the amount of sth that a
person, a machine, an
organization
or
an
industry produces
Factory
to sell a business or an
industry so that it is no
longer
owned
and
controlled
by
the
government
the rate at which a
worker, a company or a
country produces goods,
and
the
amount
produced,
compared
with how much time,
work and money is
needed to produce them
Plan
an amount that is extra
or more than you need
money that is invested
in a new company to
help
it
develop
or
expand,
which
may
involve a lot of risk but
can also bring good
profits

Ngi thue
hp ong

theo

Ben cho thue theo

hp ong nha at
Tan dung triet e
Bo
(xay
dng,
giao
duc,
tai
chnh)
San lng

Nha may
T nhan hoa

Nang suat

Ban e ngh
Thang d
Von au
hiem

t mao

UNIT 8: ZAMEC EXPORT

FINANCE

Vocabulary list

31

Part B+C+D
DIY supermarket: Do It
Yourself market:
= Home repair

Documentary collection
[dkju'mentri k'lekn]

Documentary letter of
credit [,dkju'mentri]
= documentary credit

Fittings ['fiti] n
Import house
Export house

In depth [,in'dep] adj

Open account

Outlook ['autluk] n
SYN prospect
['prspekt]n
Plumb [plm] v

Simulation [,simju'lein]
n
Term of trade

the activity of making,

repairing or decorating
things in the home
yourself,
instead
of
paying sb to do it

Ca hang /Ch
cung cap vat lieu
e t lam, t sa
cha khong can
thue th
a way of arranging Nh thu kem
payment for exports, chng t
especially by ship, in
which the seller gives
the documents that are
needed to collect the
goods to the buyers
bank, which keeps them
until
it
receives
payment for the goods_
a letter of credit in
which a bank promises
to pay an exporter for
goods when documents
are provided that prove
the goods have been
sent
small parts on a piece of
equipment or furniture
Agent/ company the act
of buying a product or
service from another
country and bringing it
into a country
in
a
detailed
and
thorough way
an arrangement with a
shop/store or business
to pay for goods or
services at a later time
the probable future for
sb/sth; what is likely to
happen
to connect a washing
machine, toilet, etc. to
the water supply in a
building
the act of pretending
that sth is real when it is
not
the average price of a
countrys
imports
compared
with
the

32

Tn dung th

o ac
Cong ty nhap khau

Hoan toan, ky
lng
M so theo doi

Trien vong trong

tng lai, vien canh
Han ch

Bat chc, mo
phong
ieu khoan mau
dch

Trading partner

average price of its

exports. If export prices
rise faster than import
prices, terms of trade
are said to improve
a country or company oi tac thng mai
that another country or
company buys goods
from or sells goods to

Part E+F
Border ['b:d] n
CIF term

Frontier

Terms
about
cost,
insurance and freight
Competitiveness
a situation in which
[km'petitivnis] n
people or organizations
compete against each
other
Consignment
quantity of goods that
[kn'sainmnt]=
are sent or delivered
shipment
somewhere
Crate [kreit] n
a large wooden, metal
or plastic box in which
goods are carried or
stored
Depot ['depou] n
a place where large
amounts of goods or
equipment are stored,
especially before being
sent somewhere else
INCOTERMS
(used
in
contracts
Note:
Incoterm is between
exporters,
formed from the phrase importers, etc.) one of a
International
list of standard words
Commercial Term.
that
show
who
is
responsible
for
the
delivery and insurance
of goods being sent
between countries The
Incoterms are created
by
the
International
Chamber of Commerce
and are changed from
time to time.
Indent ['indent] n
an official order for
goods or equipment
Kitchen tap ['kitin tp]
Price listQuotation [kwou'tein] n

Bien gii
ieu khoan chi ph,
bao hiem, cc ph
Tnh canh tranh

Hang hoa ky gi
thng tha (do nhiu
thanh g ng lai, cn
nhiu ke h, khng kn
hn)

Kho cha, kho hang

ieu khoan thng

mai quoc te

n at hang chnh
thc
Voi nc bon ra
chen
a list of prices for goods Bang bao gia
or

services

33

that

Radiator ['reidieit] n

Rail freight [reil freit] np

Roughly ['rfli] adv

Shipment ['ipmnt] n
Stand at
Yours faithfully

business provides for its

customers
a hollow metal device
for
heating
rooms.
Radiators are usually
connected
by
pipes
through which hot water
is sent
goods
that
are
transported by trains

Lo si, bo tan
nhiet cua may bay

van chuyen hang

hoa bang ng
sat
Approximately
Xap x
the process of sending Viec gi hang,
goods from one place to hang gi
another
to be at a particular ng mc
level, amount, height,
etc
Ending of a letter
Tran trong
formally

Part G+H+I
A great deal of
Complement
['kmplimnt] n,v
Consult [kn'slt] v
Consultation,
consultancy, consultant
Exclusive agency
[iks'klu:siv 'eidnt]np
sole agent
Harmonise ['h:mnaiz]
(v) with

A lot of, many

to add to sth in a way
that improves it or
makes it more attractive
to
go
to
sb
for
information or advice
being the only
official agent

Nhieu
Bo sung
T van, tham khao
y kien

one ai ly oc quyen

the things go well

together and produce
an attractive result
make sb understand
how important, serious
etc.
sth
is
by
emphasizing it
An event at which these
things of industry are
shown

Hoa hp vi

Interior fittings
[in'tiri 'fitiz]

items in a house such as a

cooker, lights or shelves
that are usually fixed but
that you can take with you
when you move to a new
house

o ac trang tr noi
that

Outlet retail outlet

a shop/store that sells iem trng bay/

goods
made
by
a ban san pham
particular company or of

Impress [im'pres] v
Impressive, impression
Industrial exhibition
[in'dstril ,eksi'bin] np

34

Gay an tng
manh me
Trien lam cong
nghiep

Proposal [pr'pouzl] n
Propose (v)
Quote [kwout] v (shares
quoted)

Representation
[,reprizen'tein] n
Right (n)

Roll over credit

Stock Exchange
['stk iks'teind] np
Securities Market
Trade fair trade show,
trade exhibition

Part J+K
Boiler ['bil] n

Clinic

['klinik] n

Communal

['kmjunl] adj

Specification[,spesifi'kei

a particular type
a formal suggestion or
plan
to record the name of a
company on a stock
exchange so that its
shares can be bought
and sold
the act of presenting
sb/sth in a particular
way
a moral or legal claim to
have or get sth or to
behave in a particular
way
the act of allowing an
old loan or debt to
continue into a new
agreement
with
the
same conditions
a place where shares in
companies are bought
and sold; all of the
business
activity
involved in doing this
an event at which many
different
companies
producing
related
products show and sell
their products

a container in which
water is heated to
provide hot water and
heating in a building
or to produce steam in
an engine
a building or part of a
hospital where people
can go for special
medical treatment or
advice
shared by, or for the
use of, a number of
people,
especially
people
who
live
together
detailed
information
35

e ngh
Niem yet

Thay mat, ai dien

Quyen

Tn dung tuan hoan

S Giao Dch
Chng Khoan

Hoi ch thng mai

Noi hi

Phong kham a
khoa

Chung

Bang mo ta chi

n] n

Spread (v)

Take into account

Part M+N
Correspondent

Open account

Ship
Stability

Trust

[st'bilti] n

[trst] n

Part O+P
After sight

Bill
Conform [kn'f:m] v
Documents against

about how sth is or tiet

should be designed or
made
to separate sth into Keo ra, Trai dai
parts and divide them
between
different
times
or
different
people
to consider particular Xem xet
facts, circumstances
a bank that provides
services for a bank in
another
place,
especially
one
in
another country
an arrangement with
a
shop/store
or
business to pay for
goods or services at a
later time
to send or transport
sth by ship
the quality or state of
being steady and not
changing or being
disturbed in any way
the belief that sb/sth
is
good,
sincere,
honest, etc. and will
not try to harm or
trick you

Ngan hang ai ly

written on a bill of
exchange to show
that the bill should be
paid
within
a
particular period after
it has been given to
the person who has to
pay it
Bill of exchange
to obey a rule or a law
a way of paying for

(hoi phieu) tra sau,

sau khi nhn thay

36

M so theo doi

Van chuyen hang

bang ng bien
S on nh, tnh on
nh
S tin cay, long tin

Hoi phieu
Tuan theo
Chap nhan oi

acceptance

Documents against
payment

Forward ['f:wd] v
On sight
Shipping documents

Sight draft

Tenor

['ten] n

Transit

Part Q+R+S+T
Acceptance

imports where the

buyer must sign a
document
(bill
of
exchange) promising
to pay for the goods
within a particular
amount of time before
the bank gives them
the
documents
needed to collect the
goods
a way of paying for
imports in which the
buyer pays for the
goods when the bank
gives
them
the
documents that are
needed to collect the
goods
Send
At the time you see
the draft
the documents that
are
needed
when
goods are sent from
one
country
to
another
a draft (= a written
order to a bank to pay
money to sb) that
must
be
paid
immediately
the length of time
stated on a bill of
exchange, etc. before
it becomes due for
payment
the process of being
moved or carried from
one place to another

lay chng t

Thanh toan oi lay

chng t

Gi
Nhn thay
Chng t van tai

Hoi phieu tra ngay

Thi han vay

Chuyen ch, Qua

canh

the act of signing a Chap nhan

document (a bill of
exchange) to say
that you promise to
pay the amount of
37

Avalised promissory
notes

Capital goods

Default

Documentary
collections

Draft (v)
Letter of
hypothecation
Negotiate

[ni'gouieit] v

Tenor draft

money mentioned on
it
a signed document
containing a promise
to
pay
a
stated
amount of money on
or before a particular
date. It is guaranteed
by the bank.
items
such
as
machines, equipment
or buildings that are
used
to
produce
goods or services
to fail to do sth that
you
are
legally
required
to
do,
especially
by
not
paying a debt
a way of arranging
payment for exports,
especially by ship, in
which the seller gives
the documents that
are needed to collect
the goods to the
buyers bank, which
keeps them until it
receives payment for
the goods
a written order to a
bank to pay money to
sb
A letter stating that
the
writer
using
property as collateral
to try to reach an
agreement by formal
discussion
Draft on which there is
the
time
stated
before it becomes due
for payment

UNIT 9: VOCABULARY
READING ONE:
38

Lenh phieu co
am bao

T lieu san xuat

Sai hen hoan tra

Nh thu kem
chng t

Hoi phieu
Th cam co
am phan
Hoi phieu tra
cham

Alert ['l:t] n,v

Approach ['prout] n,v
Book [buk] = reserve

Category ['ktigri] n
Compliment
['kmplimnt] n, v
Considerable
[kn'sidrbl] adj
Consider (v)
Endowment
[in'daumnt] n

to make sb aware of sth

Bao ong, bao

nguy
To get information about Tiep can, tiep xuc
sth
to arrange with a hotel,
restaurant, theatre, etc.
to have a room, table,
seat, etc. on a particular
date
a group of people or
things with particular
features in common
a remark that expresses
praise or admiration of
sb
Significant, noticeable,
remarkable

at cho

Loai, hang
Li khen
tung

ngi,

ca

ang ke

a type of investment
that you can buy from
an insurance company
in which you make
regular payments over a
period of time, or until
you die, after which the
company pays out an
amount of money
Exempt [ig'zempt] adj, Free from taxes, charges Mien
tr,
mien
n, v
thue
Extensive
[iks'tensiv] including or dealing with Co pham vi rong,
adj
a
wide
range
of ln ve so lng
information
Instantly
['instntli] Immediately,
straight Ngay lap tc, ngay
(adv)
away
tc khac
Multiple (n) ['mltipl]
many in number
Boi
so,
nhieu,
Radical (adj) ['rdikl]

Tariff ['trif] n

concerning the most

basic
and
important
parts of sth; thorough
and complete
a list of fixed prices,
a tax that is paid on
goods coming into or
going out of a country

phc tap (adj)

C ban, triet e,
quyet liet
Bang
gia,
gia
bieu, thue quan

READING TWO: A RADICAL NEW APPROACH

Access ['kses] n

Approach

Confidential
[,knfi'denl] adj

not told to or shared

Tiep can, truy cap

(thong tin)
to be kept secret and B mat

39

Dial ['dail] v
Enable [i'neibl] v
Enquire [in'kwai] v
Enquiry
Expert ['eksp:t] n
Local rate
Quotation [kwou'tein] n
Straight away (adv)

with other people

Press
the
telephone Quay
so
number
thoai)
Allow, permit, let
Cho phep

Ask for information

(ien

Hoi, thac mac

Specialist

Chuyen gia, chuyen

vien
How much you have to Cc ph ien thoai
pay for the phone calls
Price list
Instantly, immediately

bang bao gia

Ngay lap tc

READING THREE: CORPORATE BANKING SERVICES

Help, support
Tr giup, giup
care that you take in Can than

Aid [eid] n,v

Caution ['k:n] n
cautious (adj)

Distribute [dis'tribju:t] v
Distribution (n)
Enlist [in'list] v
Examine [ig'zmin] v
Examination
Guesswork ['gesw:k] n

Launch [l:nt]v
Leaflet ['li:flit] n,v

Performance
[p'f:mns] n
Promotion [pr'moun]
n
Publicity [p'blisiti] n

order to avoid danger or

mistakes
to give things to a large
number of people; to
share sth between a
number of people
to persuade sb to help
you or to join you in
doing sth
to consider or study an
idea, a subject, etc. very
carefully
the process of trying to
find an answer by
guessing when you do
not
have
enough
information to be sure
to start selling a product
or service for the first
time
a printed sheet of paper
or a few printed pages
that are given free of
charge to advertise or
give information about
sth
how well or badly you
do sth; how well or
badly sth works
activities done in order
to increase the sales of
a product or service
the
business
of
attracting the attention

40

Phan phoi

Gia nhap, tranh thu

(cam tnh)
Xem xet
oan, phong oan,
oan chng

Tung (san pham) ra

T ri quang cao

Thc hien, thi hanh

Khuyen mai (ban
hang)
Cong khai

of the public to sth/sb

UNIT 10: DAMADA- EXPORT

FINANCE:
Vocabulary list
Part B+C+D
Accepting house
Conversely [kn'v:sli]
adv
Deed
Facilitate [f'siliteit] v
Mature [m'tju] adj
maturity
Mediaeval [medi'i:vl]
adj, n
Prevailing [pri'veili] adj
Tenor ['ten] n

A
merchant
bank
specialsing in accepting
bills of exchange
in a way that is the
opposite or reverse of
sth
Agreement
to make an action or a
process
possible
or
easier
To be due for payment

Ngan
nhan

hang

chap

Ngc lai
Hp ong
Lam cho de dang,
lam cho thuan tien

en han phai thanh

toan
the Thi trung co

connected
with
Middle
Ages
(about
AD 1000 to AD 1450)
existing
or
most ang thnh hanh,
common at a particular rat thong dung
time
Period of time
Ky han

Part E+F+ G
Adverse change
Affirm ['f:m] v

Confirming house

Conquer (v)
Demolish [di'mli] v
Dissolve [di'zlv] v, n
Eliminate [i'limineit] v

Change in the opposite

way
to
state
firmly
or
publicly that sth is true
or that you support sth
strongly
a bank in the country of
an
exporter
that
promises to pay the
amount of money stated
in a documentary credit,
even if the buyers bank
fails to do so
to take control of a
country or city and its
people by force
To destroy,
to stop a deed

Thay
oi
nghch
chieu
Khang nh, xac
nhan, qua quyet
Ngan
nhan

hang

xac

Chinh phuc

Pha huy, anh o

Pha huy, huy bo
giao keo
to remove or get rid of Loai tr, loai bo
41

sth/sb
Risk arising by the Rui ro hoi oai
changing
of
the
exchange rates
the process of making
payments to suppliers
abroad or sending bills
to foreign customers
more quickly than usual
(leads) or later than
usual (lags) when a
change in the exchange
rate is expected
to stay in a place that Tm cho an nau,
protects you from the tm cho tru
weather or from danger

Exchange risk
Leads and lags

Shelter under

Part H+I
Accommodation bill

Accommodation finance
Raise capital
Trade bill

a
bill
of
exchange
accepted
and
sometimes
endorsed
without any receipt of
value in order to afford
temporary pecuniary aid
to
the
person
accommodated.
A form of finance using
bill of exchange
Increase the capital
Tang von
a bill of exchange that is Hoi phieu
used to pay for goods

Part J+K
Consortium
[kn's:tjm]
- consortia
Credit rating

Default [di'f:lt] n,v adj

a group of companies,
banks,
organizations,
etc. working together on
a particular project
a measurement of the Xep hang tn dung
ability of a company,
person or government
to pay their debts
Cannot pay back the Khong tra c n,
debts
khong tra n ung

han
Lease

purchase

lease
contract

= It is a form of real estate Thue mua tai chnh

which
option purchase
combines elements of a
traditional
rental
agreement
with
an
exclusive option of right

42

Leasing ['li:si] n

Syndicate v, n
['sindikeit]

of first refusal to later

purchase the home
a legal agreement that Cho thue tai chnh
allows you to use a
building, a piece of
equipment or some land
for a period of time,
usually in return for rent
a group of people or Chung, cung nhau,
companies who work ong
together and help each
other in order to achieve
a particular aim

Part L+M+N+O
Instalment [in'st:lmnt] n

Outskirts ['autsk:ts] n
Promissory note
['prmisri,nout] n

one of a number of Khoan tra gop

payments that are made
regularly over a period
of time until sth has
been paid for or an
agreed
amount
has
been paid
the parts of a town or Vung ngoai o
city that are furthest
from the centre
a
signed
document Lenh phieu
containing a promise to
pay a stated amount of
money on or before a
particular date

43