Тема «Услуги банков»

VARIOUS SERVICES OF A BANK.

Banker’s services cover an enormous range of activities today. A full list should 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 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:

• foreign exchange

• foreign exchange transactions

• services in foreign trade payments

• discounting bills of exchange

• granting loans

• safe custody

• cash dispensers and automated teller machines -investment management services

• economic information

• banker’s credit cards and many others.

NEW WORDS AND WORD COMBINATIONS

range- cфepa, диапазон

current account -текущий счет

to extend –распространять, продлевать

to regard –считать, рассматривать

reliable -надежный

time deposit -срочный вклад

to prove -оказываться

to issue –выдать, выпускать

charge -цена, сбор, начисление

to pay into \ out of \ an account - вносить на счет, снимать со счета

savings account - сберегательный счет

foreign exchange -иностранная валюта, операция с иностранной валютой

to grant –давать, предоставлять

loan - кредит, займ, ссуда

dispenser -раздатчик

automated teller machine - автоматическая кассовая машина

safe custody -хранение банком ценностей клиентов

standing order – указание банку

paying-in slip – приходный ордер, платежная расписка

EXERCISES

1 .Translate into Russian.

-current account -safe custody

-to deposit -foreign exchange transaction

-depositor -to discount bills of exchange

-to grant loans -to enter the sum in the account

-to issue a cheque book -investment management

-deposit account -cash dispensers

-savings account

2.Sum up what the text said about:

current account services of banks

deposit accounts

savings accounts

other services of banks

2. Say

- which services of banks seem most important for you, and why.

- what services of a bank do you most often turn to