- •English for future Bankers and Financiers
- •Рецензенты:
- •Л.А. Коняева;
- •Т.И. Добрыдина
- •Пояснительная записка
- •Content
- •Unit 1. Bank organization Part 1. Reading Practice
- •Vocabulary notes
- •1. Make up several sentences of your own using the vocabulary notes. Read them aloud for your group-mates and ask someone to translate.
- •2. Read and translate the dialogue
- •4. Read and translate Text a Text a
- •5. Answer the following questions based on Text a:
- •6. Explain the following expressions.
- •7. Choose the right answer:
- •8. Complete the following sentences in English:
- •9. Fill in the blanks with proper words or phrases.
- •10. Read and translate text b using a dictionary Text b
- •11. Answer the following questions based on text b:
- •12. Make up sentences of your own using the following expressions from text b.
- •13. Say what is true and what is false. Correct the false sentences.
- •14. Match the following words with the correct definition from the list.
- •15. Using the words in brackets, explain the meaning of the following terms:
- •16. Look through the text and then fill the spaces with the words below. Translate the text into Russian.
- •Part 2. Speech Practice
- •Situation 1
- •Situation 2
- •Brainstorming activity Problem 1
- •Problem 2
- •Final discussion
- •Unit 2. Bank deposits Part 1. Reading Practice
- •1. Make up several sentences of your own using the vocabulary notes. Read them aloud for your group-mates and ask someone to translate.
- •2. Read and translate the dialogue
- •3. Answer the following questions based on the dialogue:
- •4. Read and translate text a Text a
- •5. Answer the following questions based on text a:
- •6. Explain the following expressions.
- •8. For each of the following phrases find the expression in the text or in the dialogue that explains it.
- •9. Fill in the blanks with proper words or phrases.
- •10. Read and translate text b using a dictionary Text b
- •11. Answer the following questions based on text b:
- •12. Make up sentences of your own using the following expressions from text b.
- •13. Say what is true and what is false. Correct the false sentences.
- •14. Using the words in brackets, explain the meaning of the following terms:
- •15. Match the following words with the correct definition from the list.
- •16. Look through the text and then fill the spaces with the words below. Translate the text into Russian.
- •Part 2. Speech Practice
- •Situation 1
- •Situation 2
- •Brainstorming activity Problem 1
- •Problem 2
- •Final discussion
- •Unit 3. Bank lending Part 1. Reading Practice
- •Vocabulary notes
- •1. Make up several sentences of your own using the vocabulary notes. Read them aloud for your group-mates and ask someone to translate.
- •2. Read and translate the dialogue
- •3. Answer the following questions based on the dialogue:
- •4. Read and translate text a Text a
- •5. Answer the following questions based on text a:
- •6. Explain the following expressions:
- •7. Choose the right answer:
- •8. Complete the following sentences in English.
- •9. Fill in the blanks with proper words or expressions.
- •10. Read and translate text b using a dictionary
- •11. Answer the following questions based on text b:
- •12. Make up sentences of your own using the following expressions from text b.
- •13. Say what is true and what is false. Correct the false sentences.
- •14. Using the words in brackets, explain the meaning of the following terms:
- •15. Match the following words with the correct definition from the list.
- •16. Look through the text and then fill the spaces with the words below. Translate the text into Russian.
- •Part 2. Speech Practice
- •Brainstorming activity
- •Problem 2
- •Final discussion
- •Unit 4. Types of Banking Institutions and their services Part 1. Reading Practice
- •1. Make up several sentences of your own using the vocabulary notes. Read them aloud for your group-mates and ask someone to translate.
- •2. Read and translate the dialogue.
- •3. Answer the following questions based on the dialogue:
- •4. Read and translate text a Text a
- •5. Answer the following questions based on text a:
- •6. Explain the following expressions:
- •7. Find the names of banking and financial institutions mentioned in the dialogue and the text and match them with the definitions given in the exercise.
- •8. Complete the following sentences in English.
- •9. For each of the following phrase find the expression in the text that explains it.
- •10. Fill in the blanks with proper words or phrases.
- •11. Read and translate text b using a dictionary Text b
- •12. Answer the following questions based on text b:
- •13. Make up sentences of your own using the following expressions from text b.
- •14. Say what is true and what is false. Correct the false sentences.
- •15. Using the words in brackets, explain the meaning of the following terms:
- •16. Match the following words with the correct definition from the list.
- •17. Look through the text and then fill the spaces with the words below. Translate the text into Russian.
- •Part 2 Speech Practice
- •Situation 1
- •Situation 2
- •Brainstorming activity Problem 1
- •Problem 2
- •Final discussion
- •Unit 5. Financial instruments Part 1. Reading practice
- •1. Make up several sentences of your own using the vocabulary notes. Read them aloud for your group-mates and ask someone to translate.
- •2. Read and translate the dialogue
- •3. Answer the following questions based on the dialogue:
- •4. Read and translate text a Text a
- •5. Answer the following questions based on text a:
- •6. Explain the following expressions:
- •7. List all the forms of money mentioned in the passage and match thет with the following definitions.
- •8. Choose the right answer.
- •9. For each of the following phrases find another one in the text that explains it.
- •10. Read and translate text b using a dictionary Text b
- •11. Answer the following questions based on text b:
- •12. Make up sentences of your own using the following expressions from text b.
- •13. Say what is true and what is false. Correct the false sentences.
- •14. Using the words in brackets, explain the meaning of the following terms:
- •15. Match the following words with the correct definition from the list.
- •16. Look through the text and then fill the spaces with the words below. Translate the text into Russian.
- •Part 2. Speech Practice
- •Situation 1
- •Unit 6. Bank Investments and common stocks Part 1. Reading Practice
- •1. Make up several sentences of your own using the vocabulary notes. Read them aloud for your group-mates and ask someone to translate.
- •2. Read and translate the dialogue
- •3. Answer the following questions based on the dialogue:
- •4. Read and translate Text a Text a
- •5. Answer the following questions based on text a:
- •6. Explain the following expressions:
- •6. Find proper definitions:
- •7. Choose the right answer:
- •8. Complete the following sentences in English:
- •9. For each of the following phrases, find the expression in the text that explains it.
- •10. Read and translate Text b using a dictionary Text b
- •11. Answer the following questions based on text b:
- •12. Make up sentences of your own using the following expressions from text b.
- •13. Say what is true and what is false. Correct the false sentences.
- •14. Using the words in brackets, explain the meaning of the following terms:
- •15. Match the following words with the correct definition from the list.
- •16. Look through the text and then fill the spaces with the words below. Translate the text into Russian.
- •Part 2. Speech Practice
- •Situation 1
- •Situation 2
- •Problem 1
- •Problem 2
- •Final discussion
- •Supplement: Helpful phrases
17. Look through the text and then fill the spaces with the words below. Translate the text into Russian.
Retire, mortgage, to manage, act, fee, activity, security, trust services, trust, commercial trust services
For many years banks have offered ... (1) the financial affairs and property of individuals and business firms in return for... (2) that is often based on the value of properties or funds under ... (3). This property management function is known as ... (4). Most banks offer both personal trust services to individuals and families and ... (5) to corporations and other businesses. In their commercial ... (6), banks manage ... (7) portfolios and pension funds for business firms and ... (8) as agents for corporations issuing stocks and bonds. This requires ... (9) departments to pay interest or dividends on the corporation's securities at the proper times and ... (10) maturing securities by paying off the investors who hold those securities.
Part 2 Speech Practice
Step 1. Study the following text about banking services.
В настоящее время услуги являются исключительно важной сферой банковского сектора промышленно развитых стран. Предложение услуг на рынке осуществляется различными кредитно-финансовыми учреждениями — непосредственно банковского типа или так называемыми «институциональными инвесторами» (которых законодательство ряда стран относит к небанковским кредитным учреждениям). В нашей литературе для их характеристики обычно используют термин «специальные кредитно-финансовые институты».
Основой рынка банковских услуг являются услуги, предлагаемые коммерческими банками, в особенности ведущими или «банками-лидерами». Современный крупный коммерческий банк предоставляет до 300 разнообразных услуг — как физическим, так и юридическим лицам — клиентам данного банка.
В последние 10-20 лет банковское дело в ряде развитых стран вышло на качественно новый уровень. Этот уровень предполагает охват большинства населения банковскими услугами. Так, в Великобритании около 80% взрослого населения страны имеет текущий счет или вклад в банке. Что касается занятой части населения, то 95% ее имеют счет либо в банке, либо в строительном обществе, либо и там, и там. Банковская клиентура, особенно промышленные предприятия и крупные индивидуальные заемщики и вкладчики, как правило, заинтересованы в получении от банка широкого набора услуг.
Острейшая конкуренция на рынке ссудных капиталов вынуждает банки вводить все новые формы обслуживания, предоставлять «сопутствующие» и «дополняющие», подчас бесплатные виды операций и услуг. Так, открытие текущего счета обычно сопровождается выполнением разнообразных операций по расчетам и безналичному переводу средств, выдаче краткосрочных кредитов (например, в форме овердрафта), использованию кредитных карточек, ночных сейфов, автоматов для получения или взноса денег в нерабочие часы и т. д. Регулярные кредитные связи между банком и заемщиком (например, крупной компанией) побуждают банк инвестировать капитал в ценные бумаги, выполнять комиссионные и посреднические функции, принимать имущество в доверительное управление, выполнять бухгалтерские расчеты в своем электронно-вычислительном центре и т. д. Предоставление дополнительных услуг привлекает к банку и мелких вкладчиков. Последние во многих случаях пользуются преимущественным правом получения в банке, где открыт их счет, потребительских кредитов, ссуд на покупку домов и т. д.
Step 2. Render the text in English using vocabulary notes.
Step 3. Role play the following situations. Use the information from the text.