Бизнесменляр цчцн инэилис дили

Smith
O.K. Bill. As a secretary you ought to know certain things
about banking. 
Bill
That’s what I want. I hope to make my career in banking 
Smith
And what bank services are you familiar with? 
Bill
Oh, let me see. I am familiar with checking and savings 
accounts, Safety deposit boxes, insurance and things like 
that. 
Smith
It is something. 
Bill
But I don t have a clear idea of the services which banks 
offer to business. 
Smith
O.R. Let’s discuss it then. In fact it is more directly 
concerned with what passes over my desk. 
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Bill
I think businesses come to the banks for loans. 
Smith
You are right. Banks make loans to corporations, to 
organizations individuals and to small companies. For this 
service, we always charge interest. 
Bill
But how can a bank decide whether a business should 
receive a loan. 
Smith
First of all we request a financial statement. It shows what 
the company has in inventory, accounts receivable and 
other assets and liabilities. Profit and loss statement shows 
the company’s income and expenses. 
Bill
In other words you look over the financial situation of a 
business. 
Smith
Exactly. If the company is eligible for a loan, it may choose
a long-term loan or a short-term loan. 
Bill
I see. And how much interest does the bank charge on these
loans? 
Smith
It can be different. We have so-called prime-rate, that is the
lowest Interest rate available at the particular time. Only 
preferred customers can have it. 
Bill
Who decides on prime-rate then?