Методические указания по аудиторному и внеаудиторному чтению и переводу, развитию навыков устной и письменной речи для студентов III курса Специальность 38. 02. 01 Экономика и бухгалтерский учет (по отраслям)
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tripartite system three-layer cake Govarnor of the Bank Deputy Governor Court of Directors to issue banknotes to mint coins to borrow money to manage the national debt to control the national gold reserve joint stock bank clearing bank merchant bank discount house
Bank of England commercial banks of the UK specialized banking institutions of the UK foreign banks in the UK Lombard Street
TEXT 2. VARIOUS SERVICES OF BANKS Vocabulary Banker's services cover an enormous range of activities today. A full list would 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. If this proves satisfactory the bank will accept a 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. 2. 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. 3. Savings account services It enables small savers to put money away for particular purposes, for example for holidays. 4. Other services:
current account to deposit depositor to enter the sum in the account to issue a cheque book deposit account savings account foreign exchange transactions to discount bills of exchange to grant loans investment management cash dispensers safe custody 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 to you, and why. 4. Translate the text into Russian. TEXT 3. OPENING AN ACCOUNT Vocabulary Here is a specimen talk in a Swiss hank: Cashier: Good afternoon, sir. Man: I'd like to open an account, please. Cashier: Certainly, sir. Do you live in Geneva? Man: Yes. I'm at the Interpreters' School. Cashier: Are you a student? Man: Yes. Cashier: What sort of account would you like? Man: A current account, I think. Cashier: Have you got any large sums to deposit? Man: No, only a thousand francs or so a month. Cashier: 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. Man: Can I take out money whenever I like? Cashier: Yes. There are two or three types of account. They permit you to withdraw up to ten thousand francs a month. Man: Can I receive money directly from abroad? Cashier: Certainly. Man: And can I withdraw at a branch office? Cashier: Certainly, though it may be more convenient to open your account in our branch near the University. Man: No, I live quite near here. Do you need a passport? Cashier: Yes. Man: I'm afraid I haven't got it on me. Will my student card do ? Cashier: No, I'm afraid not. Man: I'll come back later, then. Cashier: Very good, sir. Note: The initial sum necessary in order to have a cheque book varies from country to country and from bank to bank. 1. Answer the following questions:
2. Complete as in the dialogue:
3.Read and reproduce the dialogue together with your group-mate. 4. Act out a similar dialogue, imagining you are a student at a University in Bern. TEXT 4. GLIMPSES OF HISTORY OF MONEY Vocabulary
At different periods of time and in different parts of the world many different commodities have served as money. These commodities were: cattle, sheep, furs, leather, fish, tobacco, tea, salt, shells etc. The experts underline that to serve effectively as money, a commodity should be fairly durable, easily divisible, and portable. None of the above-mentioned commodities possessed all these qualities, and in time they were superseded by precious metals. First they were superseded by silver and later by gold. When a payment was made the metal was first weighed out. The next stage was the cutting of the metal into pieces of definite weight and so coins came into use. Paper money first came into use in the form of receipts given by goldsmiths in exchange for deposits of silver and gold coins. After goldsmiths became bankers their receipts became banknotes. That's how the first banknotes came into existence. At first coins were worth their face value as metal. But later token coins of limited value as legal tender were issued. Now smaller denomination coins are made from bronze and are often referred to as coppers. Bigger denomination coins are made from cupronickel and are usually called silver. 1. Find the answer in the text:
2. Translate into Russian: face value, legal tender, a new issue, cutting of the metal into pieces, paper money, in exchange for deposits, bigger denominations coins. 3. Sum up what the text says about: the money in the past the way banknotes appeared the metals of which coins were and are made the silver coins and coppers 4. Fill in the words used in text Underline them: When a payment was made the metal was fist … out. But later token coins of limited value as … … were issued. Now smaller denomination … are made from bronze. In time they were superseded by precious … . First they were … by silver and later by gold. UNIT 4. CORPORATIONS Text 1. BUSINESS HOURS Vocabulary
The standard working day in the United Kingdom and the U.S.A. starts at 9:00 a.m. and lasts till 5:00 p.m. with lunch time from 1:00 p.m. to 2:00 p.m. Many banks are usually open for customers from 9:30 a.m. to 3:30 p.m. Some businesses and industries traditionally work different hours. Most employees have a five-day working week, Monday through Friday. The working week is between 35 and 40 hours long. Overtime is quite common and is generally paid, often at a premium to the basic rate of pay. The weekend usually starts on Friday night and lasts till Monday. Thus on Saturdays and Sundays most businesses are closed. But as to shops they are open on Saturdays and some of them are open on Sundays. In Britain the law does not say what shops can be open on Sundays but it says what goods can be sold on Sundays. They are newspapers, magazines and fresh food. If the law is broken, criminal proceedings may be taken. Many officials and the public demand that the Sunday trading rules should be abolished in the U.K. Most businesses are closed on public or national holidays. The main public holidays of the U.K. are as follows:
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