3.Распределите обязанности служащих с должностями. Дополните список обязанностей

Tellers Bank consultants

- helps clients to pay every day bills

- exchanges currency

- opens accounts

- gives instructions how to use bank dispensers

- provides consultant services about different services of a bank

- deposits money in the customer's accounts

- helps with electronic queue

-exchanges shabby notes

4. Переведите предложения

Консультант консультирует клиентов о возможностях использования банкоматов и терминалов. Кассир осуществляет операции по приему, учету, выдаче и хранению денежных средств и ценных бумаг. Кассир обеспечивает обслуживание клиентов по счетам, вкладам, переводам, банковским картам. Кассир ведет валютно-обменные операции. Кассир осуществляет продажу банковских продуктов.

5. Продолжите следующие предложения

а) Му future profession is...

Ь) I would like to work with. . .

с) I would like to work in. . .

d) In college I will have many practical courses in...

е) А good clerk must bе...­

t) А good clerk must know. . .

g) After finishing college I'm going to...

Напишите не менее 10 предложений о своей будущей профессии

Bank system, regional bank system

The bank system of the Russian Federation consists of 2 levels: the Central bank of the Russian Federation and the credit organizations (commercial banks and the non-bank credit organizations). Commercial banks offer a wide range of corporate financial services that address the specific needs of private enterprise. They provide deposit, loan and trading facilities but will not service investment activities in financial markets.

They process payments through a variety of means including telegraphic transfer, internet banking and electronic funds transfers. Commercial banks issue bank checks and drafts, as well as accept money on term deposits.

Commercial banks also act as moneylenders, by way of installment loans and overdrafts. Commercial banks provide a number of import financial and trading documents such as letters of credit, bonds and various other types of balance sheet guarantees. They also take responsibility for safeguarding such documents and other valuables by providing safe deposit boxes. Currency exchange functions and the provision of unit trusts and commercial insurance are typically provided by the relevant departments in larger commercial banks. Most of the commercial banks offer their customers savings deposit accounts, and the more established banks provide foreign-exchange services, investment services, and corporate services. Bank checks are still rarely used in Russia because check clearance is a long process. Some banks offer debit cards that allow customers to have payments for goods and services deducted directly from their bank balances.

New words:

draft-тратта

installment-очередной взнос, частичный платеж

safeguarding-охранять

trust-кредит, расчет, давать в кредит

check clearance-чековый безналичный расчет, клиринг

deduct-вычитать

1. Read the text and answer the questions:

1. What rights do commercial banks have?

2. What is a commercial bank?

3. How do they process payments ?

4. Name the functions of the commercial banks.

5. What else is provided by the relevant departments in larger commercial banks?

6. What banks form the foundation of the current commercial banking system in Russia?

2. Translate

1. коммерческие банки обслуживают организации и учреждения.

2. Коммерческие банки осуществляют кассовое обслуживание

3. Коммерческие банки покупают драгоценные металлы и камни в стране и за рубежом

4. Коммерческие банки являются частью банковской системы

5. Коммерческие банки независимы в проведении кредитной политики

6. Коммерческие банки не имеют права выпускать деньги

7. они предоставляют кредиты и сопровождают вклады денежных средств в ценные бумаги

8. В каком коммерческом банке легче оформить ипотеку?

3. True/ false statements

1. Commercial banks have the right to issue money

2. Commercial banks realize currency operations

3. Commercial banks are a part of the banking system

4. They may carry out different commission operations

5. They grant credits

6. Commercial banks service investment activities in financial markets

4. Fill in the gaps

1. Commercial banks accept ….. on term deposits. 2. Some banks offer ….. cards. 3. Commercial banks offer a wide range of corporate financial ….. 4. Major commercial ….. cooperate with each other 5. All commercial banks can make loans to ….. 6. The bank will check the ….. of the client

money debit services banks borrowers creditworthiness