Recent developments in banking

Technological innovations and increased competition in the face of deregulation are changing the face of American banking. Banks and other financial institutions use computer technology now. One of the innovations is the electronic funds transfer, which transfers money from individuals to the bank, from bank to bank, and from city to city through an electronic system.

Large banks are installing automatic teller machines out-side their buildings. A customer can get cash, make loan payments, or transfer money from one account to another at any time of the day or night. The key to the automatic teller machine is a debit card, which helps to make transfers directly to and from a customer's checking account.

Some large retailers are installing point-of-sale terminals, which allow a retail customer to transfer funds to the merchant's account. Electronic funds transfer is making it easy for commercial banks to accept deposits outside their home states. Groups of banks are setting up automatic teller machine networks for the customers to use their debit cards to withdraw cash, transfer funds and check balances in other states.

Nowadays the banking industry is becoming less regulated. This process is stimulating the diversification of banks, and service and price competition. Financial supermarkets are appearing all over the United States. These new financial institutions are handling all types of financial transactions. They are selling life insurance to their customers, buying and selling their homes and lending money in addition to the traditional services of stock and bond transactions.

The competition that results from deregulation is urging the banks to offer more and better services to their customers. Some banks are trying to assign each of their major customers to a "personal banker".

Задание 7.Найдите в тексте предложения, в которых сказуемое выражено глаголом в одном из времен группы Progressive.Укажите инфинитив.

Задание 8. Найдите в тексте предложения с инфинитивом, укажите функцию инфинитива в предложении.

Контрольная работа №2 вариант 2

Задание 1. Вставьте глагол, данный в скобках в нужной форме. Укажите видовременную форму сказуемого. Переведите предложения на русский язык.

1. The manager … a new secretary about the work-code now. (instruct)

2. My parents … a small business next year. (run)

3. They … a new marketing strategy. (plan)

4. When I came in our boss… to Mr. Watson about his recent

performance. (talk)

Задание 2. Вставьте соответствующую форму притяжательного местоимения. Переведите предложения на русский язык.

1. Mr. Watson doesn’t want to work for a company. He is going to start

… own business.

2. If we give her a two year guarantee …decision will be positive.

3. She is a book-keeper. … work is very responsible.

4. The partners are both liable. …business can be risky.

Задание 3. Из данных простых предложений составьте сложноподчиненные предложения с придаточными определительными, используя соответствующие относительные местоимения. Переведите предложения.

Образец:

They give discount for the majority of goods.

Goods have small defects.

They give discount for the majority of goods, which have small defects.

1. They ordered a new logo.

A logo corresponds to the image of the company.

2. He worked in a company.

The company produced shoes and got much profit.

3. Orders are usually placed with the companies.

The companies quote the lowest price.

Задание 4. Переведите предложения на русский язык. Подчеркните инфинитив и укажите, какую функцию в предложении он выполняет

1. The kind of packing they propose to use ensures safe delivery of the goods.

2. Volvo is going to introduce the latest model of cars to the market.

3. It is very important to discuss all the terms of the contract.

4. Our distributors must deliver goods in proper time.

5. Our boss went to the annual meeting to negotiate some business affairs.

Задание 5. Переведите предложения. Определите видовременную форму сказуемого. Поставьте к предложениям специальные вопросы. Начните их с вопросительного слова данного в скобках.

1. Our accountants was calculating assets liabilities two days before

yesterday .(Who)

2. The company is doing extremely well with a new manager. (How)

3. This bank is asking ten percent interest rate for the loan. (What…for)

Задание 6. Прочитайте , перепишите и письменно переведите текст на русский язык.