2020-05-11
491
| Terms | Definitions |
| Capital | a) A sum of money to a shareholder out of profit in relation to his investment |
| Dividend | b) An account in a bank from which money can be drawn by cheque |
| Deposit account | c) Profits not paid out as dividends and added to the surplus |
| Retained profits | d) The money value of the shareholders state in the bank or company |
| Current account | e) An account in a bank on which the depositor receives money interest |
Fill in the blanks with the proper words
Teller Funds Policy Dividends
1. An employee in a bank who pays out and receives money is called …
2. The Board may distribute…to the shareholders out of profits once or twice a year
3. The…may be high even after all the bank’s expenses are paid
4. The Board will discuss the bank’s…in other businesses.
Translate the sentences
1. Банки выполняют много функций в экономике любой страны.
2. Мы не могли оформить ипотеку в коммерческом банке.
3. Сумма страхования была не очень большой.
4. Центральный банк управляет циркуляцией денег.
5. Мы оформили кредит в банке, но проценты были очень высокими.
6. Торговая деятельность нашей компании не очень успешна.
7. Мы снимаем деньги с текущего счета.
8. Вкладчик получил проценты на депозитный счет.
9. Банки принимают вклады от населения.
10. Банковская система построена по двухуровневой схеме.
True – false statements
1. Current account is an account in a bank on which the depositor receives money interest
2. Banks play only a narrow role in the economy
3. Banks are among the most important financial institutions in the economy
4. The second level of credit system is commercial bank
5. Credit system is built in three level scheme
6. Banks cannot fulfill cash management function
Тема: Услуги банков
VARIOUS SERVICES OF A BANK.
Banker’s services cover an enormous range of activities today. A full list should include:
1. Current account services.
They are extended to anyone whom banks regard as reliable. A new depositor should be recommended by his employer or should present a reference. Ifthis proves satisfactory the bank will accept deposit from him which will be entered in his current account.
A cheque book will then be issued free of charge. Once the customer has received his cheque book he may use the cheques to order the banker to pay out sums of money from his current account. Money is being paid into and paid out of the account as often as the customer finds convenient.
Deposit account services.
Companies and individuals can deposit cash resources that are not needed at present. They can withdraw the money either any day they need it or after a certain period in case of time deposits.
Savings account services.
It enables small savers to put money away for particular purposes, for example for holidays.
4. Other services:
- foreign exchange
- foreign exchange transactions
- services in foreign trade payments
- discounting bills of exchange
- granting loans
- safe custody
- cash dispensers and automated teller machines
- investment management services
- economic information
- banker’s credit cards and many others.
NEW WORDS AND WORD COMBINATIONS
range - cфepa, диапазон
current account -текущий счет
to extend –распространять, продлевать
to regard –считать, рассматривать
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reliable -надежный
time deposit -срочный вклад
to prove -оказываться
to issue –выдать, выпускать
charge -цена, сбор, начисление
to pay into \ out of \ an account - вносить на счет, снимать со счета
savings account - сберегательный счет
foreign exchange -иностранная валюта, операция с иностранной валютой
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to grant –давать, предоставлять
loan - кредит, займ, ссуда
dispenser -раздатчик
automated teller machine - автоматическая кассовая машина
safe custody -хранение банком ценностей клиентов
standing order – указание банку
paying-in slip – приходный ордер, платежная расписка
Tasks
1. Translate into Russian.
-current account -safe custody
-to deposit -foreign exchange transaction
-depositor -to discount bills of exchange
-to grant loans -to enter the sum in the account
-to issue a cheque book -investment management
-deposit account -cash dispensers
-savings account
2. Sum up what the text said about:
current account services of banks
deposit accounts
savings accounts
other services of banks
3. Say
- which services of banks seem most important for you, and why.
- what services of a bank do you most often turn to
4. К каждому слову подберите определение
bank account someone who works in a bank
cheque arrangement to keep money in a bank
cash money in coins or banknotes
bank clerk a form to pay money into the bank account
paying-in slip a form to pay money to another person
Translate into English
1. Новый вкладчик должен представить рекомендацию.
2. Ваш вклад будет внесен на ваш текущий счет.
3. Чековая книжка выдается бесплатно.
4. Могу я снимать деньги в любой день?
5.Этот банк может предоставить большой кредит, если рекомендация окажется удовлетворительной.
6. Это перечень (список) услуг, предоставляемых нашим банком.
7. Услуги нашего банка охватывают многие виды деятельности.
8. Вы можете положить на счет и снять со счета деньги.
9. Чековая книжка - это очень удобно.
10. Он положил деньги на текущий счет.
Поставьте глаголы в скобках в нужную форму страдательного залога.
A depositor (to recommended) to the bank by his employer.
A deposit (to accept) by the bank.
A deposit (to enter) in depositor’s current account, when he represents a reference.
A cheque book (to issue) free of charge.
Money (to pay into) account and (to pay out) of the account as often as the customer finds convenient.
His cash resources (to deposit) a month ago.
Read and translate.
ТЕМА: ОТКРЫТИЕ СЧЕТА
OPENING AN ACCOUNT
Here is a specimen talk in a Swiss bank:
Cashier. -Good afternoon, sir.
Man.-I’d like to open an account, please.
C.- Certainly, sir. Do you live in Geneva?
M.-Yes. I’m at the Interpreters’" School.
C.- Are you a student?
M.- Yes.
C- What sort of account would you like?
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M.-A current account, I think.
C.-Have you got any large sums to deposit?
M.- No, only a thousand francs or so a month.
C.-Well, we can open a current account with a cheque book for you as long as the initial sum is at least three thousand francs. But I’d advise you in your case to take an account that gives you more interest, and which is more practical.We normally advise students to open deposit accounts.
M.-Can I take out money whenever I like?
C- Yes.
M.-Can I receive money directly from abroad?
C,- Certainly.
M.- And can I withdraw at a branch office?
C.-Certainly, though it may be more convenient to open your account in our branch near the University.
M.-No, I live quite near here. Do you need a passport?
C.-Yes.
M.- I’m afraid I haven’t got it on mc. Will my student card do?
C.-No, I’m afraid, not.
M.- I’ll come back later.
C.-Very good, sir.
Tasks
