Методичні рекомендації. Матеріали навчального посібника з англійської мови розраховані на студентів вищих навчальних закладів і – ІІ рівнів акредитації

Матеріали навчального посібника з англійської мови розраховані на студентів вищих навчальних закладів І – ІІ рівнів акредитації.

Мета навчального посібника – систематизувати знання з англійської мови по даних темах.

Основні завдання посібника:

- активізувати знання лексичного матеріалу до тем;

- розвивати у студентів навички та вміння діалогічного та монологічного мовлення, читання та виконання тестових завдань;

- навчити студентів усного та письмового спілкування в типових мовних ситуаціях;

- навчити читати та аналізувати тексти по темах; будувати діалоги в типових ситуаціях.

ЗМІСТ

	Вступ
	In the bank
	Business trip abroad. In the customs house.
	Making an appointment
	Contracts. Cooperation
	Technical exhibition
	Advertising
	Business correspondence
	Job hunting
	Список використаної літератури

IN THE BANK	В БАНКУ
1. I’d like to cash this traveller’s cheque.	1. Я хочу одержати гроші по дорожному чеку.
2. We’d like to get - a bank credit - a currency credit - a state credit - a financial credit - a long-term credit - a short-term credit - a commercial credit - a soft credit	2. Ми б хотіли одержати - банківський кредит - валютний кредит - державний кредит - грошовий кредит - довготерміновий - короткотерміновий - комерційний кредит - пільговий кредит
3. How shall the credit be repaid?	3. Який порядок погашення кредиту?
4. The credit shall be repaid within……years by - -annual payment - semi-annual payment - equal payment	4. Кредит необхідно оплатити на протязі…..років - річними платежами - піврічними платежами - рівними платежами
5. What is the interest rate?	5. Який розмір відсоткових ставок?
6. The terms provide for a….per cent interest rate.	6. Умови передбачають….відсотків річних.
7. Credit payment shall be made in hard currency.	7. Погашення кредиту буде здійснюватися у вільно-конвертованій валюті.
8. Can I change foreign currency here?	8. Чи можу я тут обміняти іноземну валюту?
9. What is the rate for exchange US dollars?	9. Який курс обміну американського долара?
10. How much is the commission?	10. Який розмір комісійних?
11. Where do I sign?	11. Де підписати?
12. The interest rate is - overestimated - under estimated	12. Відсоткова ставка - завищена - занижена
13. Can you reduce the interest rate?	13. Ви можете зменшити відсоткову ставку?
14. Please, change me an English pound note.	14. Поміняйте мені один фунт стерлінгів.
15. I have only notes.	15. У мене тільки банкноти.
16. What is the bank rate?	16. Яка ставка банківського обліку?
17. I have got - a credit card - a check book	17. У мене є - кредитна картка - чекова книжка
18. Do you change hryvnias for the local currency?	18. Ви міняєте гривні на місцеву валюту?

KINDS OF BANKS

Banks differ in the services they provide and in how they are owned. Many financial experts use the word bank to refer only to a commercial bank. These experts believe that savings banks, savings and loan associations, and credit unions are not true banks because they do not perform all the functions of commercial banks. Many countries have institutions called central banks, and some have investment banks. Although such institutions are called banks, they do not accept deposits or lend money to the public.

Commercial banks are the most numerous banks in the United States. The nation has about 11,900 such banks, and their assets total about $3 ½ trillion.

Commercial banks offer a full range of services, including checking and savings accounts, Loans, and trust services. They primarily serve the needs of businesses but also offer their services to individuals.

A commercial bank is owned by stockholders who buy shares in it. In return for investing in the bank’s stock, the stockholders expect the bank to pay them cash dividends from its profits.

Savings and loan associations are the second largest group of deposit institutions in the United States. There are about 2’000 savings and loans, as they are known. They have total assets of about $800 billion.

In the past, almost all savings and loans were owned and operated by their depositors. But today, almost half are owned and operated by stockholders.

Savings banks are the most commonly found in the Northeast. The United States has about 450 savings banks, with assets of about $240 billion.

Savings banks were created in the early 1800’s as Safe-deposit boxes, ranging from small drawers to large safes, are rented by people to protect their valuables. No one can enter a safe-deposit vault without a bank guard.

Credit unions are an important type of savings institutions in the United States. There about 14,300 credit unions, and their assets total about $230 billion. Most credit unions are formed by people with a common bond.

A credit union distributes its earnings to the members as dividends. Federal and state laws limit credit unions to meeting the needs of individual members, and there institutions cannot lend to businesses.

Central banks, which in the most countries are government agencies, perform many financial services for the national government. Their chief responsibilities are to regulate banking and to control the nation’s money supply. The money supply is the total quantity of money in the country, including cash and bank deposits.

Investment banks purchase newly issued stocks and bonds from corporations and governments. These banks then resell the securities to individual investors in smaller quantities. An investment bank makes a profit by selling securities at a higher price than it paid for them.