English for specific purposes for economics students book and workbook

* Vu Thanh Hien M.A (Chief) Bach Thi Thanh M.A Ngo Thi Kim Thanh M.A Le Thi Thuy Hong M.A © Bui Thi Thanh Van M.A ENGLISH FOR _ | SPECIFIC PURPOSES F OR ECONOMICS ~~ student's Books & Workbook ~ TRUONG DAI HOG GIAO THONG VAN TAI ‘PHAN HIEU TAL THANH PHO one H{ MINH THU VIỆ N U001B5 G2 n2 NHÀ XUẤT BẢN GIAO THÔNG VAN TAI HA NỘI- 2017 i a ~ PREFACE | ESP has becoming more and more important for students specialized in ent majors including economics English for economics and business aims to de economic students with basic vocabulary related to their field as well as help to develop necessary language skills, namely listening, speaking, reading and ng, which will be a great help for them in their future job The book has been ned to be covered in 60 periods (6 periods for each unit, 12 periods for revision mid-term munications test), mainly for students and Transport University of whose Economics English Department in is at pre-intermediate English for economics and business consists of Student’s Book and ‘book with units about different economics related topics Each unit covers all lls, i.e listening, speaking, reading and writing with variety of exercises Each nlso focuses on a basic grammar point so that students can revise the knowledge have learnt and therefore can use English more effectively In addition, to check nts’ comprehension about the specialized topics and the language focuses, some lw questions are given after each unit A wordlist with transcription and lation of new terms is provided at the end of each unit, which will make it easier tudents to comprehend the text and facilitates their self-study Moreover, the includes 01 sample test to get students familiarized with the final test format can help them to get higher scores in the mid-term and end-of-term tests e the Student’s book, Workbook with a wide range of exercises relevant to the s and grammar points dealt with in the course book is a good and very useful ementary material to help students consolidate what they have learnt It is osed to be assigned as homework for students We hope that this text book will be a useful learning material for economic nts to improve their ESP However, mistakes are unavoidable We would ome all comments from teachers and students in order to make the book better We, the authors, have five members who perform particular tasks, as follows: Vu Thanh Hien MA compilation and edition (chief): in charge of Unit 1, Unit2 and the Bach Thi Thanh MA.: in charge of Unit and Unit Ngo Thi Kim Thanh MA.: in charge of Unit and Unit Le Thi Thuy Hong MA: in charge of Unit and Unit Bui Thi Thanh Van MA.: in charge of the Vocabulary TAKT * ee 4* TAKT UNIT THREE ECONOMIC ISSUES A READING COMPREHENSION I Understanding a printed text: Now look at these questions What is important in the first paragraph? What is the second paragraph about? Read the passage through and find the answers to the questions you not have to understand every word to answer them Remember Trying to understand what economics is about by studying definitions is like trying to learn to swim by reading an instruction manual Formal analysis makes sense only once you have some practical experience In this section we discuss three economic issues to show how society allocates scarce resources between competing uses In each case we see the importance of the questions what, how, and for whom to produce The two primary economic systems that societies have employed over 60 years are Capitalism and socialism In capitalism economic systems, property is owned by individuals Capitalism resolves the ce.1tral questions facing society by the interaction of buyers and sellers in markets Property in socialist economic systems is owned by the government In theory, in tose societies, centra! questions are answered in order to meet the best interests of all of society’s members Instead of markets, central planning is used to deal with the basic economic questions facing socialist societies TAKT * In capitalism, the what question is answered by consumers as they spend their - dollars for the goods and services that they most desire Businesses that best respond to or anticipate the material desires of households will make the most profit In socialism, it is the job of central planners to determine what should be produced Their decisions are based upon what they believe is most socially beneficial for society as!a whole Central planners also economies! They determine how to combine outputs desired In capitalism, this decision inputs in the most efficient way to reduce answer the how question in socialist society’s inputs in order to produce the is up to individual firms They combine the cost of making the outputs This increases their chances of making profits Another term for the for whom question is distribution In socialism, who gets what is based on need, while in capitalism, for whom is based on the value of property rights owned by individuals I Check your understanding: Now read the text carefully and then answer the following questions What three questions must any economic system answer? Aaa ered eee nena "“ ener ee ee EMO EH eRe EMO eee emer meet e sree ees e east esses rasa eA n ORE ae DEES Oe DEH EH OEE DDO E AEH OES EE HE eH ee eDe et ses aera EH ED EEE SORE EOE EERE ESTEE DEDEDE CHORES OH EE eee eeneseeD EH ES OEEE AE HES OE DOSE EET OE ORS EE SETEEO SEES H HEE SEER EHO DE ENE ODED Eee EEE eEae _ Hil Increase your vocabulary: Look at the first paragraph and say which words correspond to these definitions e a book which teaches you something e supply of goods, raw materials etc Đ je buyers © sellers ‘property * TAKT AT Look at paragraph Can you explain the words an? ' LE BÀ — re a Look at paragraph and say what these words refer to: e line2: they | e = jine 3: it e line 4: their e line §: they Look at paragraph and say what words have the same meaning as: ¢ e commodity wish se people who used goods or services e manufacture ® companies ®* cut down B LANGUAGE FOCUS: THE PASSIVE VOICE I Form e Use the verb be as a help verb with the past participle of the verb Use the correct tense of the verb be Present Simple Property is owned by individuals Present Continuous Seven hundred staff are being made redundant Past Simple _It was invented in 1938 by Chester Carlson Present Perfect Past Continuous e With All the money in the safe has been stolen ~ The factory was being built when I last came here Future with wi// A weak signal will be emitted Future with going to A division is going to be sold verbs ought like can, must, to, etc., use the modal | verb + be + the past participle The company should be taken to court and punished That invoice ought to be checked carefully TAKT * : Ik Uses e To describe action without saying who does them: The company was founded in 1928 The eggs are made of chocolate e To describe process published The data has to be collected, then it's analysed, and finally the results are , Notes e You canjuse the passive voice and still say who or what performed an action by using by! li decisions are made by the Board of Directors The results are collected by the computer But in many sentences this is unnecessary T he password has been changed (by the network manager) | PRACTICE Task 1: Read this information about DHL, a company that delivers parcels and documents, world-wide Put the verb into the present simple passive DHL FROM START TO FINISH One phone call is all it takes to get your shipment moving Quick of the mark As soon as you book all your shipment over the phone, your details (1) are programmed (program) into the DHL system Within minutes, a courier receives a ` pick-up message Rapid collection The data (2) (transfer) to a printer in the van so our driver will know where you are Your shipment (3) (deliver) to its final destination, consignment (4) (collect), and a bar code scanner (5) (use) to record all|the details of the shipment which (6) (drive) to a DHL centre where the most suitable air route (7) (choose) Prepared for takeoff Your shipment (8) they make sure that it (9) §* TAKT | (check in) by DHL ground staff at the airport, and (load) onto the right flight Satellite technology While (transmit) the plane to the is in the air all the details of the shipment local information (11) DHL import agents As soon as the (10) plane lands, the (give) to customs Personal delivery As soon as your shipment-(12) (clear), it (13) final destination All the information about delivery (14) computer, allowing you to check delivery with one quick phone call (deliver) to its (hold) on Task 2: Read each of the following statements Then say if it should be followed by sentence A or sentence B Underline the correct answer Roche is one of the world’s leading pharmaceutical groups It manufactures vitamins, perfumes, and antibiotics Vitamins, perfumes, and antibiotics are manufactured by it Quantas is the second oldest international airline A The Australian government currently owns it B It is currently owned by the Australian government Bass PLC is the largest global hotel operator A It owns Holiday Inns and a number of other hotel chains B Holiday Inns and a number of other hotel chains are owned by it Australian born Rupert Murdoch is chairman of News Corporation A He controls 39% of the company through Cruden Investments B 39% of the company is controlled by him through Cruden Investments Task 3: Many of the following sentences sound unnatural because they are in the active Re - write them in the passive, ‘ workers, by people) but not mention the agent (e.g by Workers in China make these telephones These telephones are made in China Employers pay many manual workers weekly Many manual workers ceccceeeseseeeseneeeesenereens cccesesesssasissusseseseesssusasseessssesasisnenseveeee They keep a large amount of gold at Fort Knox A larg€ amOUTIE 2u HT ng HH 0011 1011 1111111 0141111 14 TAKT*9 Workers build a lot of the world’s supertankers in South Korea ˆW non 4, | They have divisions turned the Sales and Marketing Department into , t1 Hiên three | separate ‘The Sales and Marketing Department cv The company is building a much larger Production plant at Ludwigshafen A much larget ¬ ¬" ¬ Farmers grow a third of the world’s cocoa in the Ivory Coast ` n= C WRITING: kh Ha HH Hang ngang eerec The Passive voice — Describing charts and graphs I The Passive Voice T ask 1: Write sentences from the prompt using one of the verbs from the box build | discover elect | ‘1 The Berlin; Wall / 1961 find _ invent open The Berlin Wall was built in 1961 The Channel Tunnel / 1994 ri Radium / Marie and Pierre Curie 2y, The wirelesS /MATCON sssssesessssssececssessesassveceassesesrsseceessecsssssasecsnssvee S.FiatSPA/11899 President Clinton/]992 .:Aà 2222222222222 nnreereeereee Task 2: Write a short paragraph about AMS Ti rading using the prompts AMS Trading/ found / Alan Sugar ’/ 1968, and the company’s name / change / Amstrad/1972 The company / sell / electronic consumer goods /, and then / move / computers Amstrad / float / the Stock Exchange / 1980 It / expand / rapid / until / 1988, when it / launch / the PC 2000 series / personal computers 10 * TAKT | - INCOME STATEMENT An lincome statement (US - Simplified Farm Profit and Loss Statement 2008 English) or profit and loss account (UK English) (also referred to as a North Slope Farm profit and loss statement (P&L), revenue statement, statement of financial \performance, earnings Statement, joperating statement, or statement bf operations) is one of the financial statements of a company and shows the company’s revenues and expenses during a particular period It indicates how the revenues (money received from the sale of, products and services before expe nses are taken out, also known as the "top line") are transformed into the net income (the result after all revenues and éxpenses ive been accounted for, also known as "net profit" or the "bottom li ne") It displays the revenues recognized for a specific period, and|the cost and expenses charged against these revenues, (e.g., including write-offs depreciation and amortization of various assets) and taxes The purpose of the income statement is to show managers and investors whether the company made or lost money reported during 106 * TAKT | the period being Sales of Items bought for resale Cost of Items bought for resale Sales of Produce Raised Expense — 23,000 (16,600) | 64,000 Total Wages 70,400 | 27,300 Admin., Cert.s/Fees, Dntn, Insur.& Tax | Custom Hire - Fertilizer/Lime iFuel Repairs/Maintenance Seed Supplies Utilities 47,000 1,250 — Total Profit 4,500 2,250 _ 1,200 2,250 7,250 7,250 70,250 150 PTS CASH FLOW STATEMENT In financial accounting, a cash flow statement, also known as statement of cash flows, is a financial statement that shows how changes in balance sheet accounts and income affect cash and cash equivalents, and breaks the analysis down to operating, investing, and MR Forthe Year Ending Qecember 31, 20X9 Operating activities ¬ Cape ort To both aaa! bed the current operating results and the accompanying changes in the balance sheet As an analytical tool, the statement of cash flows is useful in determining the short-term viability of a company, bills (IAS7) particularly International is the its ability to pay Accounting International Standard sie thecohed aries ‘ashen erabr financing activities Essentially, the cash flow statement is concerned with the flow of cash in and out of the business The statement captures lo wWM -~ ng aitey biện 09/86 _ ne mn ng mm 0081 Financing activities NNIZMlRnH —— teuehed sant lu Cash, January _Kiệt Cash, December 31 - iE $1288 Accounting Standard that deals with cash flow statements Choose the best answer A, B, C, or D The text is mainly about: A Types and Classification of Financial statements B Balance Sheet C Income Statement D Cash Flow Statement Answer the following questions: What is the end product of the financial accounting report? What does GAAP stand for? How many financial reports must be prepared at the end of the financial accounting process? Name them.: What are reports of stocks like? and reports of flow? Decide whether each statement below is True (T) or False (F) The end-of a financial year is one of the moments when a company has to prepare its balance sheet The three parts: assets, liabilities and ownership equity can be in any order in a balance sheet TAKT * 107 Income statement is the common term in both US English and UK English An income statement presents the profit and loss of a company during the reported time 10 The statement of cash flow is used to evaluate the viability of a company in a short period of time Exercise 2: Match the definition on the left with its accounting term on the right alist of all employees and their wage an accounting record where all business transactions are INITIALLYentered money that is spent to purchase goods or services provided by someone else a detailed summary of a person's or a company's financial condition At a specific point in time, taking into account their a - balance sheet b - liquid assets c - liability d - net income assets, liabilities, etc something that is legally owned by a person or company e - property an obligation to settle a debt; money owed to someone f this word has meanings: "stock (shares)" and "net worth" the balance of cash receipts minus given period of time cash payments over a cash or something that is easily convertible into cash 10 money, remaining after all expenses and taxes have been paid Exercise 3: Complete these sentences with when, - payroll g - equity : h - journal I - cash flow J - expense while, before, after, until or as soon as More than one answer may be possible in each case 1! Don’t make a decision we’ve seen the report 2| I’m meeting with Atsuko this afternoon arrives 3.| Let’s sort out this problem ¬ I’m coming to Paris tomorrow afternoon I’ll phone you I arrive 5.| Can you type this report for me I’m away? Exercise 4: Send her up she she gets here Correct the four sentences which are wrong done for you The first one has been We can’t invest in that country until their economy will be stable We can’t invest in that country until their economy is stable I’ll let you know as soon as I receive their new brochure 108 * TAKT FY nw E'lI let you know as soon as I”ve received their new brochure We’ll phone you when the goods will be here When we’ ve discussed the contract, we can close the meeting When we discuss the contract, we must ask about transport costs We’ll deal with insurance after they will tell us about their special discount future Qatar Before they sign this contract, they want us to promise better terms for business Our guests would like to visit the unit before they will go back to 10 I don’t recommend investing there until they’ve reduced government bureaucracy Exercise 5: Look at the chart and complete the following sentences The chart shows the results of a survey about the most important inventions the last 300 years in Most important inventions in the last 300 years “@ Male Cl Female ro Bicyce Car ‘Computer Mobile ` -_ phone More females _ Radio internet TV males chose the bicycle The bicycle was more than any other invention The car WaS popular among females than males  Quà, invention among both sexes was the TV TAKT * 109 " = women than men voted for the mobile phone " invention among both sexes was the bicycle =—— males than females picked the radio The computer was for women than for men More people selected the bicycle any other invention 10 The TV was popular than any other invention Exercise 6; Make the comparative sentences based on notes 1-7 below and the chart in Exercise I, Use the passive or active form of the verb in italics Examples: Females/ males/ select/ the bicycle The > More females than males selected the bicycle bicycle/ choose/ females/ males | > The bicycle was chosen females than males by more males/ females/ choose/ the car i Pe CEM a mee mee mee me re me mee e eee ele ee em id Ce ee 110 * TAKT wera reese Reema meee Hee Hem ame HOH re ere rename eee EEE eer EE EEE eee i Eee HES EEE MDE EEE eee eee EE Fee Ee HHO EEE REE er ee E Eee i re EHR EH eee EEE i O HEE REDE ESEe 60 090060600 0 096066 ee ee 6O MƠ B0 eer 00 rey ERE OES eEeEeS ar rr Bo Go BÊ gi UNIT CREDIT CARDS Exercise 1: Read the following passage and decide if the following statements are TRUE or FALSE The use of credit cards has increased dramatically over the last few years Many credit card companies are now in existence, and many major retail outlets now have credit card facilities for use in their own stores Credit card customers are given a credit limit on their account and they may buy goods and services up to this amount from any outlet: displaying the credit card signs Each month the cardholder receives a statement from the credit card company detailing all purchases during the month together with the total amount outstanding and the minimum amount due for payment Payment may be made by cheque through the post, by bank Giro credit or by regular monthly direct debit — Where the full balance is not settled, interest is charged; this provides the credit card company with its main source of income The credit card company also receives income from retailers who make use of its cards and who pay a percentage of each sale to the credit card company 1, Credit cards are less popular now than in the past A large number of shops have credit card facilities Credit card customers can buy whatever they want, without attention to the credit limit paying Exercise 2: Read the text again and answer the following questions Who uses credit card? Cee ee ma mee re eee " CO nee eee HH mete meee eee ea eee see ee Hee eesrer ee EEE Denere ee Eee Hester eenesesetine ee , , s có ch Exercise 3: 4, CO On O0 0 0200 6 6 00 00009 006 600 0ì no 90 60 0060 890 60m c6 Bo Đo Match the expressions meaning on the right A Loan (v& n) Money Fee Buy (v) on An CÁ CÓ CÁ cóc Bo CO Đo the left with a b c d provide (v) purpose ATM Retailer the Đón non mg BÊ g words of the same B TAKT * 111 Shopkeeper Bank card Cash machine _|8 Use (n) Supply (v) 10 premises Exercise 4: e place ofbusiness f cheque card g h i j ˆ purchase (v & n) charge {v & n) cash (v & n) credit (v & n) 9, 10 Make one sentence from the two below, using the word(s) brackets She wasn't very rich She gave money to the poor (although) He left early He wanted to arrive on time (so that) in You default on your car loan The bank will take possession of your + car ( if) Tom doesn't earn a big salary But if he did, he wouldn't buy car.(even if) AN I refuse to pay anything You the work properly ( until) O~ There was a lot of noise Charlie managed to work (despite) Sue likes Opera Joe prefers jazz (whereas) The weather was bad They enjoyed the trip (even though) Oo He went to work He had the flu ( in spite of) 10 You have to put the alarm on If not, it won't work.( unless) Exercise 5: Fill in the blanks with a linking word Pll come and see you I leave for Moscow He will tell you you get home I can’t express my opinion I know the fact He will stay here you come Š bees he tried hard, he wasn’t successful He worked late last night he might be free to go away tomorrow The room is small we can’t all get in We-might be able to increase the size of our order you agreed to.a higher discount The road seems longer thought 10 We‘re looking for an alternative supplier our usual one can’t deliver next week Exercise 6: You have your credit card at Vietinbank You has just got married to an Italian man and you are going to settle in Italy You want to stop using you credit card at your bank Write them a letter to request the cancellation of your credit card and explain your ¢ wn reasons 112 * TAKT UNIT INTERNATIONAL TRADE Exercise 1: Read the following text carefully and answer the following questions about multinationals MULTINATIONAL CORPORATIONS A company often becomes involved in international trade by exchanging goods or services with another country—importing raw materials it may need for production or exporting finished products to a foreign market Establishing these trade relationships is the first step in the development of a multinational business At this stage, however, the corporation's emphasis is still on the domestic market As trade expands, the corporation's dealings with companies or people outside the "home country” of that corporation increase The corporation then begins to view the whole world as a base for production and marketing operations The next step in the development of a multinational business is focusing on the world market The company may establish a foreign assembly plant, engage in contract manufacturing, or build a foreign manufacturing company or subsidiary Therefore, a multinational corporation is a company that is primarily based in one country and has production and marketing activities in foreign countries Since World War II, multinational corporations have grown rapidly The names and products of many of the multinationals have become well-known in the world marketplace: International Business Machines (IBM), Royal Dutch Shell, Panasonic, Coca-Cola, and Volkswagen Coca-Cola, for example, now has operations in more than 180 countries A multinational corporation operates in a complex business environment Cultural social economic political and technological systems vary from country to country In order to operate successfully, a multinational company appreciation of the foreign business environment needs a basic understanding and TAKT* 113 | What is a multinational corporation? Ð n n EEE EEED œ er Oe E EEE ee © = ” = E ST © ma to - œ < g © ro ỐC Oo Đ œ a + cs œ = ¬ n ~+ =a oO + a Zz »- to (CÁ er rr arr os A company may establish its manufacturing operations in foreign countries What are three forms that these operations may take? tle mee mea meme meee emer eases eset eee eee ream eases EtOH E Rem eH eee Ree EOE EEE EEE DEERE HEHE THERE HOEY Why does a multinational corporation need a basic understanding of foreign business environments? CC Exercise 2:| CC CỐ Circle the best answers for these questions, A, B or C i What market does a multinational corporation focus on? A " domestic market B local market d World market 2) What market is the company’s emphasis when it is simply trading with other countries? A domestic market Bi local market C! World market According to the passage, when have multinationals grown quickly? Aj since World War I | B! since World War II C! In the 21" century Exercise 3: "Fill in the blanks with the suitable words in the box economy, economics, economic, economical, economically, economists Marx and Keynes are two famous , c: bees Those people are studying the science of elecentseeeneee We sometimes call a person”s work his activity People should be verÿ with the money they earn The economic system of a country is usually called the national be eeeeeeeeeeees The people in that town live very | 114 * TAKT Exercise 4: Give the correct word forms to complete the passage below A HOBBY INTO A BUSINESS It is not (0) unusual to make a hobby pay for itself even if initially you had no (1) : of turning it into a business USUAL Depending upon the hobby, the necessary (2) can be expensive and the idea of (3) offering items up for sale can at the very least help pay for the hobby EQUIP INTEND OCCASION CREATE For those looking to make a profit on their (4) , these days an audience for products can range from the local to the truly global Some hobbyists begin by donating a piece of work to a (5) Sale just to see how quickly and (6) it sells CHARITY PROFIT Local shops can be the next outlet for items, often the step taken by those making things like hand-made greetings cards for instance And for the truly ambitious, websites like eBay enable the WORLD hobbiest to reach a (7) audience ' ‘APPRAISE As with any business idea, an honest (8) thu should be undertaken regarding the demand for the work and the price the REAL customer is prepared to pay in (9) „ However, not forget SATISFY the degree.of personal (10) as well Exercise 5: Rearrange the words to make meaningful sentences company / communicate/ good / A / successful / on / relies / promotion / to / with /customers Beem ee eee Orem eee ee eee eee ene ee ee eee EEE ee COE RHEE ee ea HEE ECO ee RH EH EE EER ee ee ee HE SHED EEE E HORE HE HOE H EEO EC EES ee ry important / developed / steel / industry / The / production / of / is / an /a/1n /economy Creer ¬ eee eee ee ee eee ee ee eee eee 608080 06692 600 49 000046460000 660 20 Áo B09 09600 0060 09 0s 60 8m ee 3, needs / individuals/ buy /try/ to /the/ of / the / who /and /use /their /Companies/meet/products ¬ rere rrr TeTTrrr rrr 4, The /strategy ee ee ee ee eee eee eee ee eee ee rrr reer eee eee eee eee / focuses ee ee ee ee ee eee ee eee eee ee ee ee eee / in/ its /marketing/ ee ee ee ee eee on ee ee eee ee eee ee ee eee ee /production/ ee company /price ee ee ee ee TAKT * 115 " tị | goods /cannot/ efficiently /import /lack /Nations /that/ they /or /produce ee TORR ry eee eee eee eee eee eee EHH OEE EES HEHEHE DEERE EERE ES CHEE O EEE E EE EEE OEE EER EEE DEH EOE goods ee ee Trade a ee ee ee /national/ is ee ee /mot ee ee ee /to ee ee i /markets /restricted ee ee Exercise 6: ee Use the following or iy i ee i sets of words and phrases ae oy ee er a to write ry complete Sentences .1 Multinational/ corporations / grow/ rapid / 1945 CO ƯƠƯƯƠƠƠĐ.S Multinational / company / need/ basic / understanding/ appreciation/ foreign/ business/ environment Ce Dem ee e emer meee ere eee tee ae reste rere eee eee meee bard ane Dee eee EEE er eee ee EEE HEH EOS a oy OS HEHE OS ¬ Ơ .ẽ.ố Because / cold/ climate/ Sweden / not/ suited/ specialize/ coffee/ bananas eee ee : ee eee eee ee ee ee eee ee ee ee ee oe i ee ee ee ey Ce eee | 116 * TAKT eee eee ee ee ee eee ee ee eee eee ee eee ee eee eee ee eee eee s ee ey ee REFERENCES Banking English Transactions Francis Radice Macmillan Professional Business Venture Oxford University Press Wh English for Economics Mark Roberts Garnet Education WwW Financial English Jan Mackenzie Thomson Heinle, 2002 Giáo trình Tiếng Anh chuyên ngành (English in Finance) Thiêu Nhà xuất Tài chính, 2008 ó Tiếng Anh Hùng, Kế Toán (English for 'Äccounting) Trịnh Thanh Toản Nhà xuất Thanh niên Online webpages: | Thiên An ‘Ti ruong http://en wikipedia ore/wiki/Balance sheet http://en.wikipedia.ore/wiki/Income statement http://en wikipedia org/wiki/Cash Cao Xuân flow — statement TAKT * 117 TABLE OF CONTENTS STUDENTS’ BOOK Unit1 : THREEECONOMICISSUES TH Unit2 : SUPPLY ANDDEMAND Umit3 : NELATION ¬¬ ƠƠ=Ð ¬ re ¬ + 25 cess eee eneeeea tenants ¬ Unit4 : DIRECTANDINDIRECTTAXES ¬ 37 UnitS : CENTRALBANKS oc cccccccccccececcevecstessstseeeeeens tre 41 Unit6 : ACCOUNTING Khen nen Unit7 : CREDICARDS .- - T121 na ¬ 11 xe tretr Unit8 : INTERNATIONALTRADE ` 118* TAKT: | 57 65 73 WORKBOOK Unttl : THREEECONOMICISSUES see Unit2 : SUPPLYANDDEMAND cccsccscseseseeeeeeeeeees Unit3 :INFLATION s2 2a 2n 2n 2n niên ky ¬ - 93 Unit4 : DIRECTANDINDIRECTTAXES _ 97 Unit5: CENTRALBANKS ánh tài ¬ _ Unit6: ACCOUNTING c-ccSc 22 22tr 10 ng ¬ Unit7 : CREDI TCARDS che e ¬ 1] -_ Unit8 : NTERNATIONATRADE tru _ “113 ' REFERENCES a + TABLE OF CONTENTS TAKT * 119 NHÀ XUẤT BẢN GIAO THÔNG VẬN TẢI 80B Tran Hưng Đạo - Hoàn Kiếm - Hà Nội Điện thoại: 04 39423345 Website: www.nxbgtvtvn * Fax: 04 38224784 * Email: nxbgtvt@fpt.vn Chịu trách nhiệm xuất bản: Lê Tử Giang: Biên tập: Nguyễn Hồng Kỳ Nguyễn Ngọc Sâm Thiết kế bìa: Trường ĐH GTVT Trinh bay: Trường ĐH GTVT In 520 cuốn, khổ 19 x 27cm Xưởng in Trường Đại học GTVT "| Chịu trách nhiệm nội dung: Địa chỉ: Số|3 phố Cầu Giấy, P Láng Thượng, Q Đống Đa, TP Hà Nội ˆ Số xác nhận đăng ký xuất bản: 229-2017/CXBIPH/I-I1/GTVT Mã số sách|tiêu chuẩn quốc tế - ISBN: 978-604-76-1233-8 Quyết định xuất số: 08/QÐ - GTVT ngày 10/02/2017 In xong nộp lưu chiểu quý I năm 2017 | 120 * TAKT