- •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
16. Look through the text and then fill the spaces with the words below. Translate the text into Russian.
Deposit accounts, the availability, individuals, Savings banks, transferred, carried out, NOW account, tellers
From their earliest origins savings banks have ... (1) their financial services to appeal to ... (2) and families. ... (3) can be opened for amounts as small as $1, with transactions ... (4) by mail or, in many instances, through 24-hour automated ... (5) in convenient locations. ... (6) in Massachusetts and New Hampshire were the first to develop the interest-bearing... (7), perhaps the most important new consumer financial service of the past two decades. Many savings banks advertise ... (8) of family financial counseling services, home equity bans and travel planning as well as a wide variety of savings instruments
Part 2. Speech Practice
Step 1. Study the following text about bank deposits.
Подавляющая часть капитала привлекается в форме депозитов (вкладов), контокоррентных или корреспондентских счетов. Депозит — сумма денег, которую клиент вносит на хранение в банк и может использовать для расчетов или изъять в виде наличных. Депозиты образуются двояким путем: за счет взноса в банк суммы денег в наличной форме или в виде подлежащего оплате денежного документа (чека, облигационного купона и т. п.); вследствие создания банком мнимого вклада в процессе кредитования клиента. Мнимые вклады, используемые для спекулятивных операций с ценными бумагами или для покрытия непроизводительных расходов государства, усиливают инфляционные процессы.
В банковской практике различается несколько видов депозитов. Депозиты до востребования (или текущие счета) могут вноситься и изыматься как частями, так и полностью по первому требованию вкладчика. На этих вкладах хранятся кратковременно высвобождающиеся капиталы предприятий или суммы частных лиц, находящиеся в расчетном обороте. Банки, как правило, не платят процентов по текущим счетам, так как оказывают их владельцам услуги, связанные с перечислением средств со счета на счет, переводами и т. д. В ряде случаев депозиты до востребования могут оформляться не в виде счетов с последующей выпиской на них чеков, а в форме особого сертификата, свидетельствующего о взносе средств и дающего право изъятия их по предъявлению.
Вклады на срок служат формой аккумулирования долгосрочных капиталов и сбережений населения. Банки заинтересованы в привлечении таких средств, поскольку их сумма устойчива и может быть использована для долгосрочных операций. По срочным вкладам уплачивается процент в зависимости от срока и величины вкладов. В операциях с населением широкое распространение получили сберегательные вклады. Они могут вноситься и изыматься в полной сумме или частично и удостоверяются выдачей сберегательной книжки. В большинстве стран установлен предел суммы такого вклада. Для изъятия сберегательного вклада обычно необходимо предварительно уведомить банк, но на практике во многих случаях такого предупреждения не требуется.
Step 2. Render the text in English using vocabulary notes.
Step 3. Role play the following situations. Use the information from the text.