Английский язык

РОССИЙСКАЯ ФЕДЕРАЦИЯ МИНИСТЕРСТВО ОБРАЗОВАНИЯ И НАУКИ ФЕДЕРАЛЬНОЕ АГЕНТСТВО ПО ОБРАЗОВАНИЮ ГОСУДАРСТВЕННОЕ ОБРАЗОВАТЕЛЬНОЕ УЧРЕЖДЕНИЕ ВЫСШЕГО ПРОФЕССИОНАЛЬНОГО ОБРАЗОВАНИЯ ТЮМЕНСКИЙ ГОСУДАРСТВЕННЫЙ УНИВЕРСИТЕТ Институт дистанционного образования Контрольная работа №2 по дисциплине «Английский язык» Выполнил: студент 1-ого курса 2 семестра Специальность: «Финансы и кредит-3-2008» Шумков Антон Андреевич Заочно - дистанционной формы обучения Проверил (а): Когалым – 2009 СОДЕРЖАНИЕ Упражнение № 3 Упражнение № 6 Упражнение № 7 Упражнение № 8 Упражнение № 8 Упражнение № 9 Упражнение № 10 Упражнение № 10 Упражнение № 11 Упражнение № 12 СПИСОК ИСПОЛЬЗОВАННОЙ ЛИТЕРАТУРЫ 14 Упражнение № 1 Работа с текстом. Прочитайте и переведите текст устно TODAY’S BANK SERVICES For most people the first banking service they take up is a cheque account.

The cheque account provides: • a safe place for money • a quick and simple way to withdraw cash for your everyday needs • a convenient way to make all the payments you need to other people or other organis ations With your cheque account comes your cheque book – and also (by arrangement) your cash dispenser card and your Cheque guarantee card. Bank cards “Plastic cards” available to bank customers include cheque guarantee card, credit cards and debit cards – all of which can help you pay for goods and services without carrying cash. This is an area which is rapidly developing and new products are always coming onto the market.

Savings for future The banks offer a wide range of savings accounts. The interest paid varies according to the amount of savings in the account and the length of notice required for withdrawal.

Generally, the more you save, the higher the interest rate is. With some savings accounts you can combine the convenience of a cheque book, with interest, as long as you keep a certain balance in the account.

Savings accounts • What is a saving account? The savings account is an account for money that you do not need for day-to-day expenses. You can open a savings account with as little as 5.00 DM. Whenever you want to save a sum of money you just go to the bank and pay it in. Every private customer should have a savings account as a basis for major investments or to cope with unexpected expenses.

Many parents open savings accounts for their children.If you need money you can withdraw up to 2,000 DM in any 30 days without having to give notice. If you need more than 2,000 DM you have to give three month’s notice or you will lose interest. • How do you know what’s in your account? When you open your savings account you receive a passbook or savings book. Every deposit and withdrawal is entered in it. So you always have a complete written record of everything that happens to your account.

The interest that your money earns is also recorded. • What are the advantages? Any money put into your savings account begins earning interest from the day we receive it. The interest rate may vary from time to time according to the long-term money market rate, but we aim to keep it as high and as constant as possible. You can pay money into your savings account at any branch of the national Bank throughout the country.And you can withdraw up to 2,000 DM on demand at any National Bank branch, as long as you bring your passbook. • How much does it cost? Savings accounts are free of charge.

We think this makes them even more profitable for you. • Anything else to think about? You can earn a higher rate of interest if you arrange for special periods of notice, e.g. one, two or four years. As a current account holder you can place a standing order with us for regular transfers to your savings account.You can even tell us to transfer on a certain day of each month all the money that is left in your current account on that day. Current accounts • What is a current account? The current account is an account for everyone.

It is an account for receiving money from other people: wage-earners can have their wages paid into the account and businessmen can receive money from their customers. The current account is an account for paying your bills rent, subscriptions and other expenses. It’s the account with our cheque service.If you want to pay money to someone you just write a cheque or send us a credit transfer.

The current account is an account for keeping your money safe. If you keep money in your current account you can go shopping without having to carry cash around with you. When you want to make a payment you simply fill in the amount on a cheque and hand it, together with your cheque card, to the cashier in the shop. • How do you know what’s in your account? We’ll send you regular statements telling you exactly what has been debited or credited to your account. • What are th e other advantages? As a current account holder you can make use of all our other banking services.

You can send money abroad, buy and sell stock and shares place standing orders or authorise direct debits. You will be welcome to apply for an overdraft or other loan facilities.We’ll always be around to help you in all money matters. • How much does it cost? There will be a small basic charge every entry month and an even smaller additional charge for every entry.

The charges are debited once a quarter and will appear on your bank statement. We are sure you’ll soon find out that your current account saves you a lot more money that it costs. Credit cards Used wisely, credit cards are a convenient way of making purchases at the point-of-sale, while paying for them later.They are not a recommended way of borrowing money since the interest charged is relatively high. Loans For large purchases, or for when you want to spread the cost over a long p eriod of time, a personal loan could be more suitable.

Sometimes you can arrange a shorter term overdraft with bank. Loans can also be arranged for specific needs – such as a home improvement loan. And of course the largest most important loan of all – for most of us – is the mortgage – a loan to buy a home over a period of perhaps 25 years. Nowadays more and more people are going abroad – whether for business or holiday.The banks provide a service here through supplying foreign currency, travellers cheques and eurocheques, together with advice on your trip. Упражнение № 2 Прочитайте 2 часть текста и вставьте в пропуски подходящие слова по смыслу Bank services commission, debited, in full, interest, issued, outstanding, salaries, slip, statement, withdraw, banker’s draft, cash dispenser, credit rating, credit transfer, financial institutions, standing order Banks offer many services to businesses and their customers.

Here are some of the most common: Many people now have a card which enables them to (1) withdraw money from a (2) cash dispenser.

You feed to your card into the machine and key in your PIN (personal identification number) and the amount of money you want. If you have enough in your account, the money requested will be (3) issued to you up to a daily limit.Your account is automatically (4) debited for the amount you have drawn out. Provided you have a sound (5) credit rating, you can get a credit card from a bank and other (6) fin ancial institutions.

To obtain goods or services, you present your card and sign a special voucher. When it receives the voucher, the credit card company pays the trader (less a (7) bank services commission) and sends you a monthly (8) statement. Depending on the type of card you have, you will either have to pay (9) in full or be able to pay part of what is owed and pay (10) interest on the balance left (11) outstanding.If you need to make fixed payments at regular intervals, e.g. for insurance premiums, y ou can arrange a (12) standing order (sometimes known as a banker’s order) so that the bank will do this for you. If you have several bills to pay, you can do this by (13) banker’s draft.

You write one check for the total sum involved, fill in a (14) slip for each bill and hand everything to the bank cashier. The transfer system is also used by employers to pay (15) salaries directly into employee’s bank accounts.If you are dealing with supplier for the first time, a ( 16) credit transfer may be used as payment.

This is a check guaranteed by a bank and therefore it is not likely to ‘bounce’. Упражнение № 3 Соотнесите английские слова из текста с русскими эквивалентами 1 To withdraw cash M Снимать наличные со счета 2 To make the payments N Вносит взносы 3 Cheque book G Чековая книжка 4 Bank customers L Клиенты банка 5 Saving account K Сберегательный счет 6 Credit card E Кредитная карточка 7 Personal loan J Персональный заем 8 Mortgage D Ипотека 9 Foreign currency B Иностранная валюта 10 Travelers cheques A Дорожные чеки 11 Cash dispenser C Банкомат 12 Salary F з/ плата служащих 13 PIN H Персональный идентификационный номер 14 Interest I Процент Упражнение № 4 Выпишите из текста все слова с окончанием – ing и определите его функцию Например: including – Participle I banking - Participle I, carrying – Gerund, is developing - P resent Continuous, are coming - Present Continuous, saving – Gerund, according - Gerund having - Gerund, are bring - Present Continuous, standing - Participle I, receiving – Gerund, paying - Gerund, keeping – Gerund, shopping - Gerund, telling - Participle I, making - Gerund, borrowing - Gerund, are going - Present Continuous, supplying – Gerund.

Упражнение № 5 Выпишите из текста все слова с окончанием – ed и определите его функцию Например: accounted - Participle II paid - Participle II, required - Participle II, unexpected - Participle II, is entered – Present Simple Passive, is recorded - Present Simple Passive, has been debited – Present Perfect Passive, has been credited - Present Perfect Passive, are debited - Present Simple Passive, used - Participle II, recommended - Participle II, charged - Participle II, be arranged - Present Simple Passive.

Упражнение № 6 Найдите предложение с модальными глаголами и переведите их (6-7 предложений) 1) It is an account for receiving money from other people: wage-earners can have their wages paid into the account and businessmen can receive money from their customers.

Это счет для получения денег от других людей: наемные работники могут иметь свои зарплаты, оплаченные в с чете, и бизнесмены могут принимать деньги от своих клиентов. 2) If you keep money in your current account you can go shopping without having to carry cash around with you. Если вы держите деньги на вашем текущем счете, вы можете ходить делать покупки, не нося наличные с собой. 3) As a current account holder you can make use of all our other banking services.

Как владелец текущего счета вы можете использовать все наши другие банковские услуги. 4) You can send money abroad, buy and sell stock and shares place standing orders or authorise direct debits.

Вы можете посылать деньги за границу, покупать и продавать ценные бумаги и акции, размещать заказы или уполномочивать прямые дебеты. 5) For large purchases, or for when you want to spread the cost over a long period of time, a personal loan could be more suitable.

Как владелец текущего счета вы можете использовать все наши другие банковские услуги. 6) Sometimes you can arrange a shorter term overdraft wit h bank. Иногда Вы можете организовать более короткий срок кредита по текущему счету с банком.Упражнение № 7 Выпишите из текста Participle I, Participle II, Gerund, Present Continuous и распределите их в следующей таблице Partciple I Participle II Gerund Present Continuous banking paid carrying is developing standing required saving are coming telling unexpected according are bring used having are going recommended receiving charged paying keeping shopping ma king borrowing supplying Упражнение № 8 Напишите правильны (T) или неправильны (F) следующие утверждения из текста и переведите их 1. The banks don’t offer a wide range of savings accounts. (F) Банки не предлагают широкий диапазон сберегательных счетов. 2. … you can withdraw up to 1,000 DM on demand at any National Bank branch, as long as you bring your passbook. (F) … вы можете снять до 1000 немецких марок по требованию в любом отделении Национального Банка, пока Вы приносите вашу сберкнижку. 3. Banks offer many services to businesses and their customers. (T) Банки предлагают много услуг бизнесам и их клиентам. 4. Sometimes you can arrange a shorter term overdraft with bank. (T) Иногда Вы можете организовать более короткий срок кредита по текущему счету с банком. 5. Nowadays more and more people are going abroad – only for business. (F) В настоящее время все больше и больше людей выезжает за рубеж – только для бизнеса. Упражнение № 9 Найдите в тексте ответы на вопросы 1. What is a current account? The current account is an account for receiving money from other people: wage-earners can have their wages paid into the account and businessmen can receive money from their customers. 2. What is a saving account? The saving account is an account for money that you do not need for day-to-day expenses. 3. How do you know what’s in your account? When you open your savings account you re ceive a passbook or savings book. Every deposit and withdrawal is entered in it. So you always have a complete written record of everything that happens to your account.

The interest that your money earns is also recorded. 4. Can loans also be arranged for specific needs? Yes, loans can also be arranged for specific needs. 5. Is the current account an account for keeping your money safe? Yes, the current account is an account for keeping your money safe. Упражнение № 10 Прочитайте внимательно 5 и 7 абзацы и переведите их письменно Текущие счета Что такое текущие счета? Текущий счет – это счет для каждого.

Это счет для получения денег от других людей: наемные работники могут иметь свои зарплаты, оплаченные в счете, и бизнесмены могут принимать деньги от своих клиентов.

Текущий счет – это счет для оплаты ваших счетов по арендной плате, подпискам и другим расходам.

Это - счет с нашим чековым сервисом.

Если вы хотите послать деньги кому-то, вы только выписываете чек или п осылаете нам кредитный перевод.

Текущий счет – это счет для хранения ваших денег в безопасности. Если вы держите деньги на вашем текущем счете, вы можете ходить делать покупки, не нося наличные с собой. Когда вы хотите сделать платеж, вы просто вписываете сумму на чеке и вручаете чек вместе с вашей чековой картой кассиру в магазине.Как вы узнаете, сколько на вашем счету? Мы пошлем Вам регулярные отчеты, сообщающие Вам точно, сколько было дебетовано или кредитовано на вашем счету. Каковы другие преимущества? Как владелец текущего счета вы можете использовать все наши другие банковские услуги.

Вы можете посылать деньги за границу, покупать и продавать ценные бумаги и акции, размещать заказы или уполномочивать прямые дебеты. Вы будете радушно приняты, если вы обратитесь за кредитом по текущему счету или другим средствам обслуживания займа.Мы всегда будем рядом, чтобы помочь вам во всех денежных вопросах. Сколько это стоит? Будет маленькая основная плата за каждый входящий месяц, и даже меньшая дополнительная плата за каждый вход. Платы будут дебетованы раз в квартал и появятся на вашем банковском балансе.

Мы уверены, что вы скоро выясните, что ваш текущий счет сохраняет вам намного больше денег, которые этого стоили. Займы Для больших закупок, или когда вы хотите растянуть стоимость на более длительный период времени, персональный заем мог бы быть более подходящим.Иногда Вы можете организовать более ко роткий срок кредита по текущему счету с банком.

Займы могут также быть организованы для определенных потребностей – как например ссуда для улучшения в доме. И конечно самый большой и наиболее важный займ для всех - для большинства из нас - это закладная - займ, позволяющий купить дом в течение возможно 25 лет. В настоящее время все больше и больше людей выезжает за рубеж - для бизнеса ли или для отпуска.Банки обеспечивают обслуживание здесь через поставку иностранной валюты, дорожных чеков и еврочеков, вместе с сов етом в вашей поездке.

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