English for Future Economists. Учебное пособие для студентов СПО, обучающихся по специальностям 38.02.01 – «Экономика и бухгалтерский учет (по отрасля

acquisition – приобретение;

bailout – спасительный, аварийный, срочный, неотложный.

I. Choose the right answer.

a)retail banks, commercial banks and central banks;

b)investment banks, savings banks and reserve banks;

c)retail banks, investment banks and central banks.

II. Fill in the chart. Use the information in a – l.

a)trade for their own accounts;

b)provide local and regional outreach;

c)deal with deposits and loans from corporations or large businesses;

d)control interest rates and money supply across the whole economy;

e)"underwrite" (guarantee the sale of) stock and bond issues;

f)are entities responsible for the monetary policy of their country or of a group of member states;

g)are responsible for maintaining the stability of the national currency and money supply;

h)advise corporations on capital markets activities such as mergers and acquisitions;

i)keep their focus on payments, savings products, credits and insurances for individuals or small and medium-sized enterprises;

j)are engaged in activities on the financial markets;

k)act as "bailout" lenders of last resort to the banking sector during times of financial crisis;

l)deal directly with individuals and small businesses.

III. Answer the questions.

1.What services do banks offer?

2.What types of banks can you name? What are their activities?

3.How do commercial and savings banks differ?

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IV. Find the best alternative to fill in the gap.

1.Some banks (called Banks of Issue) issue banknotes as legal … .

2.Most banks are … , private enterprises.

a) fictitious; b) non-profit; c) profit-making.

V. Match the words and their definitions.

deposit, credit, insurance, account

a)a record or statement of money received and paid out;

b)the value of all assets minus the value of all liabilities;

c)an item of value that an individual or a firm owns;

d)granting of a loan and the creation of debt; the amount of money on a person’s account in a bank;

e)an item of value that an individual or a firm owes; many of them are known as “debts”;

f)an agreement with a company that they will pay you money if smth of yours is lost or damaged;

g)partial payment of money to hold smth for purchase so it can’t be sold to someone else;

h)an accounting statement listing the values of all the assets on the lefthand side and the values of all the liabilities and net worth on the righthand side.

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