BÀI TẬP 1

1. Both the business and personal assets of ___________ are subject to the claims of
creditors.*
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partnerships
public limited companies
limited liabilities companies
foreign companies

2. Since there are millions of investors trading on the stock market, a/an ___________ can
find investors who are willing to purchase offerings and fund expansions.*
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public limited companies
sole traders
partnerships
limited liabilities companies

3. ___________ may issue stock and have shareholders, but their shares do not trade on
public exchanges and are not issued through an IPO.*
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sole traders
partnerships
limited liabilities companies
public limited companies

4. The Cyprus stock market trades in 98 securities of 46___________*

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public limited companies
limited liabilities companies
sole traders
partnerships

5. As it was a ___________ company, the creditors couldn't get at John's private assets
when the company went bankrupt.*
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private companies
limited liabilities companies
sole traders
partnership

6. Candy making is considered as the ______ industry because it produces finished

sweets.*
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primary
tertiary
secondary
service

7. Peter set up his online business last year with the ______ model to sell his PT (personal
training) coaches to customers.*
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B2B
C2C
B2C
B2B2C

8. Amway Vietnam is _____ business type because its shares are not listed and traded on
the stock market, but it is not an unlimited company.*
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partnership
sole proprietor
public limited
limited liabilities

9. Highlands Coffee is an example of the _____ business model because this type of
company sells their products directly to customers.*
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B2B
B2C
C2C
B2B2C

10. Manulife Insurance follows both ______ and B2C business model as the company
sells their products and services directly to businesses and consumers.*
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B2C
B2B
B2B2C
C2C

BÀI TẬP 2

A financial institution, such as a (1 )_____ , buys a loan from a (2)_____ who has already
lent an amount of money to a (3)_____ (another person or institution). This means that the
financial institution now has the right to collect the (4)_____ on the original borrower’s
loan. It then uses the expectation of receiving these as security for a (5)_____ , which it
issues to an individual or corporate (6)_____ , in return for a specific amount of money,
which the financial institution promises to repay the investor at a later date. The financial
institution also uses the(7)_____ borrower’s repayments to make payments to the bond
holder until the date when the bond is repaid. Both the financial institution who bought
the loan and (8)_____ it in the form of a bond, and the bank who originally sold the loan
to the financial institution, use the capital they have received from their sales to improve
their financial situation or increase their activities. They lend that money to more
borrowers, and sell on these loans to other institutions, who then securitize them. And so
it goes on.
insolvent
interest
on
original
lender
bankrupt
bond
bank
investor
securitized
borrower
deposit

1.*
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bank
2.*
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lender

3.*
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borrower

4.*
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interest

5.*
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bond

6.*
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investor

7.*
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original

8.*
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securitized
BÀI TẬP 3
I'd like to discuss three basic investment (1) options. First, you can buy shares. You then
become a shareholder, that is part (2) owner of a company. When the company makes a
profit, the shareholders get a share of that profit. This payment is called a (3) dividend.
The price of shares can go up or down, so there is no guarantee you can make a profit
when you sell your shares. However, share prices can (4) rise a lot, so you can make a lot
of money. Bonds are another type of investment. When you buy a bond, you are lending
your money to a company, or sometimes to a government. In return, they agree to pay you
a fixed rate of interest on your money. In addition, you get your (5) capital back on a
certain date in the future. This is called the date when the bond (6) matures. There is little
risk here, but the returns are quite low. Finally, you can invest in a mutual fund. This is a
(7) collection of shares and bonds. You put your money together with money from other
investors. You pay a financial professional, a fund manager, to handle your investment.
The fund manager decides what shares and bonds to buy and sell. There isn't a predictable
rate of (8) return. Your earnings change from day to day.

BÀI READING

Corporate customers who want to borrow large amounts of money come to the Corporate
Banking Department in our bank. They have to have a good credit rating and collateral if
they want to arrange a loan. This can be land or other assets. They should bring along all
their financial documents like the income statement, balance sheet and cash flow
statement. The corporate banker will look at their current assets and non-current assets to
see what the company owns. Then the banker will look at the liabilities to see how much
the company owes. He or she will also look at the shareholders’ equity to see how much
money has been invested in the company by selling shares. It is also important to see the
retained earnings. This is the money the company uses for their business or to pay debts.
The banker will also want to see the income statement. This shows the bank how much
companies earned and spent in a period of time. If the operating revenues were higher
than their operating expenses, they made a profit. But if the operating revenues were
lower, they made a loss. He or she will also look at the net profit or how much the
company kept after paying all the expenses. Finally, the banker will look at the cash flow
statement. This is where he or she can see if the company has generated cash in the last
year. This statement shows how money comes in and goes out of the company. It is very
important for the bank as it shows if the company can pay bills.
SỬ DỤNG 6 TỬ KHI TRẢ LỜI

1. What are two things that a company needs if it wants to arrange a loan?*
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a good credit rating and collateral

Phản hồi
a good credit rating and collateral

2. What does the shareholders’ equity show?*

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how much money has been invested

3. What do companies use their retained earnings for?*

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their business or to pay debts

4. What does a bank find out by looking at the income statement?*

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how much companies earned and spent

5. Why is the cash flow statement important for the bank?*

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if the company can pay bills