Добавил:
Upload Опубликованный материал нарушает ваши авторские права? Сообщите нам.
Вуз: Предмет: Файл:
финансы уроки1-12.doc
Скачиваний:
1
Добавлен:
01.04.2025
Размер:
668.16 Кб
Скачать

11. Complete the sentences with the following words: free of charge, depositor, activities, employer.

  1. Banker's services cover an enormous range of…. , today.

  2. A new…should be recommended by his ….. or should present a reference.

  3. A cheque book will then be issued …

12. Find and read sentences explaining the title of the text.

13. Find in the text sentences expressing such ideas.

  1. In a commercial sense, bank is an establishment which borrows money from the public, crediting them with a deposit.

  2. Banks can act as financial intermediaries.

  3. Banks may be said to provide financial services.

  4. “Insurance” type contract means that bank has to redeem all deposits.

  5. Offshore banking transacted between foreigners.

  6. Cash Ratio is the guarantee of redeeming the deposit.

14. Checking facts and ideas. Decide if the statements are true or false.

    1. The bank lends the deposited money to customers who need capital.

    2. Nowadays banks handle huge amount of money deposited in them.

    3. The bank borrows the funds from the public for the specific purpose lending them again to the customers.

    4. New banks services are proved to be constantly coming into life.

    5. Retail banking involves business with other large banks.

    6. Cash Ratio is the “bank’s insurance”.

15. Explain the difference between current and deposit accounts.

Banker`s services cover enormous activities today. A full list would include:

  • 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 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 so often the customer finds convenient.

  • 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.

  • Savings account services

It enables small savers to put money away for particular purposes, for example for holidays.

  • Other services

Services in foreign trade payments

Granting loans

Investment management services

Economic information

Banker’s credit cards

Foreign exchange1

Foreign exchange transaction2

Discounting bills of exchange3

Cash dispensers and automated teller machines4

Safe custody5

And many others

Words you need:

Foreign exchange1- іноземна валюта

Foreign exchange transaction2 - угода з іноземною валютою

Discounting bills of exchange3 - облік векселів

Cash dispensers and automated teller machines4 - автоматична касова машина та автомат з виплати готівки

Safe custody5 - зберігання банком цінностей клієнта