B A N K I N G E N G L I S H
ОУ МОСКОВСКАЯ БАНКОВСКАЯ ШКОЛА (к)
БАНКА РОССИИ
Предметно-цикловая кафедра общих гуманитарных
и социально-экономических дисциплин
«Одобрено»
Методическим советом ОУ МБШ (к) БР
Протокол № ___от «___» декабря 2004 г.
УЧЕБНО-МЕТОДИЧЕСКОЕ ПОСОБИЕ ПО АНГЛИЙСКОМУ ЯЗЫКУ
B A N K I N G E N G L I S H
ДЛЯ ЗАНЯТИЙ С БАНКОВСКИМИ РАБОТНИКАМИ НА ОТДЕЛЕНИИ
ПОСЛЕДИПЛОМНОГО ОБРАЗОВАНИЯ ПО ПРЕДМЕТУ
«ИНОСТРАННЫЙ ЯЗЫК»
Составитель:
Обсуждено и одобрено на заседании
предметно-цикловой кафедры общих гуманитарных
и социально-экономических дисциплин
Протокол №___ от ____ декабря 2004 г.
МОСКВА, 2004.
P R E F A C E
Настоящее учебное пособие предлагается для занятий с руководителями тех подразделений банков, профессиональная деятельность которых связана с вопросами, рассматриваемыми в процессе обучения на отделении последипломного образования.
Целью данного пособия является углубление знаний английского языка в области банковского дела.
Пособие предназначено для закрепления и развития навыков основных видов речевой деятельности на материале текстов по теме «Банковские услуги». Пособие знакомит слушателей со специальной банковской лексикой и терминологией, предполагая совершенствование навыков устной речи и обогащение словарного запаса.
Предлагаемые уроки включают в себя учебный текст, словарь минимум, систему упражнений, практические задания, способствующие закреплению пройденного материала.
Пособие апробировано на занятиях с банковскими работниками МГТУ на отделении последипломного образования.
C О Д Е Р Ж А Н И Е
1. Purchasing and selling cash and traveller’s cheques - 5
2. Cashing a cheque - 10
3. Cheques - 12
4. Accounts - 18
5. Current account services - 22
6. Deposit and savings accounts - 26
7. Opening an Account
8. Loans and Borrowings - 39
9. Personal Loans - 44
10. Business Loans - 48
11. A mortgage - 53
12. Investments: Bonds and shares - 64
PURCHASING AND SELLING CASH
AND TRAVELLER’S CHEQUES
In the bureau de change.
Customer: Good morning.
Cashier: Good morning, sir. Can I help you?
Customer: Could you change these dollars for pounds, please?
Cashier: Yes, certainly, may I have your identification card?
Customer: Here it is.
Cashier: Thank you. Here is the money and the receipt, please.
Customer: Thank you very much. And may I ask you a question?
Cashier: Why, certainly. I’ll try to be of help.
Customer: Well, you see, I’m going on a trip to Africa soon. How should I take my money?
Cashier: What countries do you plan to visit?
Customer: Just Kenya.
Cashier: Well, you have four possible ways: take dollars, pounds or buy traveller’s cheques in
dollars or in sterling. The cheques are certainly safer.
Customer: And in which currency?
Cashier: The dollar’s cheques are probably easier to cash, but as you will be in Kenya, the pound
sterling’s traveller’s cheques will be just as practical.
Customer: Then I am buying cheques in pounds for 500 Pounds.
Cashier: Fine. I’ll give you 400 Pounds in cheques of twenty and the remaining part in tens.
Customer: That sounds all right. How long will that take?
Cashier: About twenty minutes.
Customer: All right.
Cashier: I’ll just take your name and address, sir … Thank you … Here are the cheques.
Customer: Thank you.
Cashier: You are welcome.
VOCABULARY
bureau de change | пункт обмена, бюро по обмену иностранной валюты |
customer | клиент |
cashier | кассир |
to change | обменять |
identification identification card | отождествление, установление личности удостоверение личности |
receipt | квитанция |
cheque check (амер.) traveller’s cheque (check) | чек, дорожный чек дорожный чек |
to cash | получить деньги (по чеку, вексель и т. д.) |
SUGGESTED ACTIVITIES
Drill 1. Read the dialogue and answer the questions:
1. In what city or country do you think this dialogue took place? Why so?
2. What was the first reason why the customer came to the bureau de change?
3. What papers did the cashier want to see before changing the money?
4. What paper did the cashier issue?
5. Why do you think cashiers are supposed to issue this testimony of exchange?
Drill 2. Agree or disagree with the following statements:
1. The customer wanted to change dollars into roubles.
2. The customer changed dollars for pounds very easily.
3. The customer hadn't any identification card, but he had a ticket to Africa.
4. The cashier wanted to have the customer’s identification card because the sum was rather big.
5. The cashier didn’t like to be asked any more questions.
6. The cashier advised the customer to take Indian Rupees or buy traveller's cheques in sterling.
7. The dollar's cheques are easier to cash in Kenya, but it is very difficult to do the same with pound sterlings traveller's cheques.
8. The explanation of the cashier about the advantages of traveller’s cheques in pounds was quite clear.
9. The customer wants to buy cheques in pounds for 50 Pounds.
10. The procedure of issuing the traveller’s cheques was rather complicated.
Drill plete the dialogue.
In the bureau de change.
Customer: Good morning.
Cashier: … , sir. Can I help you?
Customer: Could you change these dollars for pounds, please?
Cashier: Yes, certainly, may I have …?
Customer: Here it is.
Cashier: … . Here is …, please.
Customer: Thank you very much. And may I ask you a question?
Cashier: Why, certainly. … .
Customer: Well, you see, I’m going … . How should I … ?
Cashier: What … to visit?
Customer: Just Kenya.
Cashier: Well, you have … ways: take …, … or buy … in dollars or in sterling. The … safer.
Customer: And in which currency?
Cashier: The dollar’s cheques are … , but as you will be in Kenya, the pound sterling’s traveller’s
cheques … .
Customer: Then I am buying cheques in pounds for 500 Pounds.
Cashier: Fine. I’ll give you … and the remaining part … .
Customer: That sounds all right. How long will that take?
Cashier: … .
Customer: All right.
Cashier: I’ll just take your … , sir … Thank you … . Here are … .
Customer: Thank you.
Drill 4. Ask the questions for the following:
…? Yes, of course. You can change these dollars for pounds.
…? I have a driving license.
…? Here is my identification card.
…? Why, certainly. I’ll try to be of help.
…? I’m going on a trip to Africa.
…? Well, you have four possible ways: take dollars, pounds or buy traveller’s cheques in dollars or in
sterling.
…? Cheques are certainly safer.
…? The dollar’s cheques are easier to cash.
…? The pound sterling’s traveller’s cheques will be just as practical.
…? I’m buying cheques in pounds for 500 Pounds.
…? About twenty minutes.
Drill 5. Translate the dialogue.
Kлиент: Доброе утро.
Кассир: Доброе утро, сэр.
Kлиент: Вы не могли бы обменять эти доллары на фунты?
Кассир: Да, конечно, я могу взглянуть на Ваше удостоверение личности?
Kлиент: Вот оно.
Кассир: Спасибо. Вот деньги и квитанция.
Kлиент: Большое спасибо. А можно еще вопрос?
Кассир: Отчего же? Конечно. Я постараюсь помочь Вам.
Kлиент: Видите ли, Я собираюсь в поездку в Африку скоро. Какую валюту мне следует взять с
собой?
Кассир: Какие страны Вы планируете посетить?
Kлиент: Только Кению.
Кассир: Ну, Вы имеете четыре возможных варианта: взять доллары, фунты или купить дорож-
ные чеки в долларах или в стерлингах. Чеки конечно же безопаснее.
Kлиент: А в какой валюте?
Кассир: Чеки в долларах вероятно легче обналичить, но так как Вы будете в Кении, дорожные
чеки в фунтах стерлингов также практичны.
Kлиент: Тогда я покупаю чеки в фунтах на 500 фунтов.
Кассир: Отлично. Я дам Вам 400 фунтов чеками по двадцать, а остальную часть по десять.
Kлиент: Отлично. Сколько времени уйдет у Вас на это?
Кассир: Около двадцати минут.
Kлиент: Хорошо.
Кассир: Я только запишу Ваше имя и адрес, сэр… Спасибо... Вот чеки.
Kлиент: Спасибо.
Кассир: Приходите еще.
Drill 6. Read and translate the text:
Traveller’s cheques.
Traveller’s cheques originated in America and are now widely issued by many retail banks are very big or intermediate or small banks doing business for private customers mostly. Besides, various banking groups and travel organizations issue traveller’s cheques. Traveller’s cheques can be used as a form of payment at home and abroad They are paid by the customer when they are purchased. Usually a commission of one percent of the total value of the cheques is charged. Traveller’s cheques must be signed for the first time immediately on purchase. And they must be signed for the second time in the presence of the cashier when cashed. This system of two signatures prevents traveller’s cheques from being misused when they are stolen. Usually cheques can be cashed only for the purchaser. Traveller’s cheques have the following advantages as compared with cash:
- they are replaced if lost
- they are subject to a better exchange rate when converted into another currency
- they make cashless travel more convenient.
The stores, hotels, restaurants which cash the traveller’s cheques send them to their banks later.
The banks who have issued cheques then request payment from the issuers of the traveller’s cheques and reimburse the payers.
VOCABULARY
to originate | брать начало, происходить |
retail retail bank | розничный розничный банк ( коммерческий банк, обслуживающий любую клиентуру) |
intermediate | средний |
to purchase purchase purchaser | покупать покупка покупатель |
commission | комиссионные, комиссионное вознаграждение |
value total value | стоимость общая стоимость |
to charge | взимать |
to sign signature | подписывать подпись |
to misuse | злоупотреблять, неправильно употреблять |
advantage | преимущество |
to replace | заменять |
rate exchange rate | ставка, курс |
to convert | конвертировать, обменивать |
issuer | эмитент ценных бумаг |
to reimburse | возвращать (сумму), возмещать |
payer | плательщик |
to quote | цитировать |
payable payable at the … bank | подлежащий оплате, оплачиваемый подлежит оплате в таком-то банке |
to countersign | поставить подпись еще раз |
manager general manager | управляющий, заведующий главный управляющий |
Drill 7. Agree or disagree with the following statements:
1. Traveller’s cheques originated in Russia.
2. They are very seldom used in the world now.
3. Retail banks are doing business only for private customers.
4. Traveller’s cheques can be used as a form of payment at home.
5. They are paid by the customer when they are cashed.
6. Usually a commission of three percent of the total value of the cheques is charged.
7. Traveller’s cheques are signed for the first time in the presence of the cashier when cashed.
8. They must be signed for the second time on purchase.
9. Usually cheques can be cashed for everybody who has found them.
10. Traveller’s cheques have no advantages as compared with cash.
11. They aren’t replaced if lost.
12. They aren’t subject to a better exchange rate when converted into another currency.
13. They make cashless travel very dangerous.
14. Traveller’s cheques are very popular in our country.
Drill 8. Answer the questions according the text:
1. Where did traveller’s cheques first appear?
2. Who issues them now?
3. How are retail banks characterized?
4. What is a traveller’s cheque?
5. Can cheques’ purchasers use them both at home and abroad?
6. When does the customer pay the price of the cheque?
7. What commission is usually charged for this service?
8. Can you tell us about the advantages of the system of two signatures?
9. Do you think the commission is rather high?
10. What are the advantages of the traveller’s cheques?
Drill 9. Ask the questions for the following:
…? Traveller’s cheques originated in America.
…? They are now widely issued by many retail banks.
…? Various banking groups and travel organizations issue traveller’s cheques.
…? Traveller’s cheques can be used as a form of payment at home and abroad.
…? They are paid by the customer when they are purchased.
…? Usually a commission of one percent of the total value of the cheques is charged.
…? Traveller’s cheques must be signed for the first time immediately on purchase.
…? They must be signed for the second time in the presence of the cashier when cashed.
…? This system of two signatures prevents traveller’s cheques from being misused when they are
stolen.
…? Traveller’s cheques have the advantages as compared with cash.
…? They are replaced if lost.
…? Yes, they are subject to a better exchange rate when converted into another currency.
…? They make cashless travel more convenient.
PRACTISE
Скажите, что Вы :
хотите обменять доллары на фунты |
|
имеете только водительские права в кА--честве удостоверения личности |
|
собираетесь в путешествие в Африку |
|
собираетесь посетить только Кению |
|
имеете четыре возможных варианта: взять доллары, фунты или купить дорожные чеки в долларах или в стерлингах |
|
можете легко обналичить чеки в долларах |
|
покупаете чеки в фунтах стерлингах на 500 фунтов |
|
xотите получить 400 фунтов чеками по 20, а остальную часть по 10 | |
потратите на это 20 минут | |
можете использовать дорожные чеки как форму оплаты как у себя в стране, так и за границей | |
должны подписать дорожные чеки в первый раз при приобретении (покупке) | |
должны подписать их во второй раз при об- наличивании | |
можете обменять их при утере | |
можете обменять их по более выгодному об-менному курсу; | |
можете чувствовать себя безопасно, путе- шествуя без наличных денег; | |
считаете, что процедура выдачи дорожных чеков не очень сложная. |
CASHING A CHEQUE
Here is a short dialogue specimen between a cashier and a customer at the bank counter:
Customer: Good afternoon.
Cashier: Good afternoon, sir.
Customer: I’d like to cash a cheque, sir.
Cashier: Certainly, sir.
Customer: It is for five hundred pounds on my account with your Liverpool branch.
Cashier: Thank you (takes the cheque). Have you got any means of identification, sir?
Customer: Yes. Here you are (gives the driving license).
Cashier: One moment, please, sir. And I’ll just telephone Liverpool.
Customer: How long will that take? I’m in a bit of a hurry.
Cashier: Oh, only two or three minutes. … That’s all right, sir. Could you sign it on the back, please.
How would you like it, sir?
Customer: Oh, fifty pound notes, please. …
Cashier: You are welcome.
VOCABULARY
to cash to cash a cheque | получить/выдать деньги (по чеку, векселю и т. п.) получить/выдать деньги по чеку |
counter bank counter | стойка, окно стойка ( окно ) в банке |
means | cпособ |
licence aмер. license driving license | разрешение, лицензия водительские права |
SUGGESTED ACTIVITIES
Drill 1. Read the dialogue and answer the questions:
1. Did the customer cash a traveller’s cheque or an ordinary cheque?
2. What paper did he present for this purpose?
3. Would this paper be a good identification here, in our country?
4. How long did it take the cashier to contact the Liverpool branch of the bank?
5. Was everything all right with the customer’s account?
6. What did the customer sign before he had his cheque cashed?
7. What banknotes did the customer receive?
Drill 2. Agree or disagree with the following:
1. The customer wants to change the money.
2. He’d like to cash a traveller’s cheque.
3. The customer has an account with the Bank for Foreign Economic Affairs.
4. The customer hasn’t got any identification card besides his Russian passport.
5. Before cashing the cheque the cashier has to go to Liverpool branch to get some information about the customer.
6. The cashier can’t cash a cheque because he is in a bit of a hurry.
7. It will take the cashier half an hour to telephone to Liverpool branch.
8. The customer likes to have one hundred pound notes.
9. The customer mustn’t sign anywhere before cashing the cheque.
10. The driving license is the best identification card in our country.
Drill plete the dialogue:
Cashing a cheque.
Here is a short dialogue specimen between a cashier and a customer at the bank counter:
Cashier: Good afternoon, sir.
Customer … , sir.
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