Файл: Практическая работа по дисциплине Профессионально ориентированный иностранный язык.docx

ЧАСТНОЕ УЧРЕЖДЕНИЕ ВЫСШЕГО ОБРАЗОВАНИЯ

«МОСКОВСКИЙ СОЦИАЛЬНО-ЭКОНОМИЧЕСКИЙ ИНСТИТУТ»

факультет Экономики и управления

Практическая работа

по дисциплине «Профессионально ориентированный иностранный язык»

« BANKING,

Exercises - unit 3, Tests - unit 3»

Выполнила: А.В. Харченко, студентка 5-го курса

заочной формы обучения, специальности

«менеджмент кадровый», факультет Экономики

и управления, группа М17Б-Д

Проверил: ______________________________

(инициалы, фамилия преподавателя)

_________________________________________ ( уч. степень, уч. звание)

Оценка: ________________________________

Подпись _______________________________

« » ____________ 20___г.
Москва 2022

UNIT 3

Exercise 1

• 
  Fill in the gaps with appropriate words from the box.e.
  

 

facilities payment bonds

reserve maturity mortgage

interest loans assets

commercial overdraft

Начало формы

1. I'd like to change this one-dollar note into  interest machine.

2. Every country has its own special assets.

3. The company has got a lot of mortgage in its bank account.

4. It costs fifty dollars if you are payingmaturity It'll be a little more if you pay cheque.

5. The first paper currency facilities by the US government took the form of the United States notes.

6. The economic value of money as a bonds in place of barter plays an important role in human progress.

7. In the process of trade by interest a person who wants to buy apples and has fish to sell must combine the acts of purchase and sale.

8. In addition to its function as a medium of exchange, money also serves as a loans.
 Exercise 2

 

• 
  Say if the statements are true or false.
  

1. Money is easily transferable from a current account to a deposit account.

true

2. You can make withdrawals from your deposit account at any time.

false

3. To grant a loan the bank must be sure that the applicant can repay it.

true

4. Bonds are rarely repaid at 100% at maturity.

false

5. It is easier to get money out of a deposit account than it is from a current account.

false

6. When a bank's manager considers an application for a loan, he usually requires some information about the items shown on the applicant's balance sheet.

true

7. The investment policy is not so important for a bank's activities.

false

8. Interest is paid by the bank on both current accounts and deposit accounts.

false

9. The rate of interest on deposit accounts is fixed.

true

10. The bank is not responsible for the collection of the proceeds of selling shares.

 false
Exercise 3

• 
  Read the dialogue.
  
• 
  Find English equivalents for these words and word combinations.
  

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1. заниматься бизнесом to carry on business

2. ожидаемая прибыль expected profit

3. активы компании company assets

4. поклясться не брать ни пенни swear not to take a penny

5. обратиться за ссудой apply for a loan

6. в действительности она стоит in fact, it is worth

7. цена абсолютно приемлема the price is absolutely acceptable

8. менее рискованный less risky

9. использовать в качестве обеспечения ссуды use as collateral for a loan

10. рабочая документация сonstruction

 

Exercise 4

 ·  Choose the right word from the brackets.

1. The Paying Bank sends a payment order directly to the  beneficiary’s address.

2. The way of  covering an order is usually indicated in the payment order.

3. We enclos the letter received from the beneficiary.

4. The payment order referred to in your previous letter has been received by the customer.

5. The letter mentioned above should be sent to the beneficiary.

6. These funds have not been credited to the beneficiaries' account.

7. We have been informed by our principals that the payee has not yet received the funds.

8. If signed by an authorized person, the letter can be sent to the Paying Bank.

9. Today we have been informed that the principal shas received no letters from the beneficiaries.

10. Please inform the beneficiaries that these funds have been credited to their account.

UNIT 3

Supplementary exercises

Exercise 1


1

 Fill in the blanks with for and since.

He has had a company car for two years.

1. 
   Prices have increased forthe advertising campaign in September.
   
2. 
   Our sales managers have used the same hotel for over 10 years.
   
3. 
   Sorry, Mr. Jones is not available. He has been at the meeting for 9.00.
   
4. 
   She has had an account with our bank since 1990.
   
5. 
   We have had an office in Germany for several years.
   

2

 Rewrite the sentences using negative form of the present perfect with for and since.

The last time I saw Mr. Seymour was in June.
I haven't seen Mr. Seymour since June.

6. 
   The last time the company made a profit was four years ago.
   

The company's last profit was four years ago.

6. 
   The last time we looked at their statement was in April.
   

We haven't reviewed their application since April.

6. 
   The last time the bank provided you a loan was 10 years ago.
   

The bank has not provided loans to me for 10 years.

6. 
   The last time I arranged an overdraft was six months ago.
   

I haven't made an overdraft in six months.

6. 
   The last time our bank was in financial difficulties was in 1994.
   

Since 1994, our bank has not experienced financial difficulties.

3

 Make questions and answers, using the prompts.

How long/you/be/in charge of the Finance Department?
A. How long have you been in charge of the Finance Department?
B. (I/six months) I have been in charge of it for six months.

11. 
    How long/you/pay/regular bills through the bank?
    A. How long does it take for you to pay bank bills?
    

B. I have been paying these bills for five years.

11. 
    How long/they/have a phone line for investors?
    A. During which time do they have a phone line for investors?
    

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B. They can get a phone line for a long time

11. 
    How long/you/have an office in Italy?
    A. How long have you had an office in Italy?
    

B. We opened an office in Italy in 1993.

Exercise 2
1

 Fill in the blanks with have/has been or have/has gone.

I'm afraid Mr. Peach has gone to Paris and won't be back for two weeks.

1. 
   I don't know where their new offices are. I has been not have there.
   
2. 
   Mr. Burton has goneto Helsinki. I can give you the phone number of his hotel.
   
3. 
   I has goneto the bank to withdraw money. I've got the desired sum in my pocket.
   
4. 
   I'm sorry, but the manager is not available at the moment. He has gone to boss.
   
5. 
   Ask Lilly where to stay in Rome. She has been there a few times.
   

2

 Put the verb in brackets in the correct tense, Present Perfect or Past Simple.

I'm going to send them a reminder. They haven't paid (not pay) us yet.

6. 
   We spent a lot on modernizing the factory last year, and it is now very well equipped.
   
7. 
   I missing my flight to Paris. I am waiting for another plane now.
   
8. 
   I didn't talk to the banker about your application last week, but I will soon.
   
9. 
   Have you found a suitable replacement for Mrs. Cross, or is the post still vacant?
   
10. 
    I saw Jane an hour ago. She wants to have a word with you.
    

Exercise 3

1

 Complete the table showing the adjectives and their comparative and superlative forms.

	Valuable	more valuable than	the most valuable
1.			the most expensive
2.	good
3.		cheaper than
4.	low
5.			the worst
6.		wealthier than
7.	profitable
8.			the biggest
9.		less than
10.	far

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2

 Write sentences comparing the following items.

The bank I work for/the last bank I worked for
(big) The bank I work for is bigger than the last bank I worked for.
(small) It is not as (so) small as the last bank I worked for.

11. 
    The job I do now/my last job
    (hard to do) My last job was harder to do than what i'm doing now .
    

(easy to do) My work today is easier to do than the last .

12.Presentation this year/it was last year
(boring) His year's presentation was pretty boring.
(interesting) The presentation last year was quite interesting.

13.Our company/our main competitor
(large) Our large competitor is our company.

(small) Our company is not our small competitor.

 Rewrite the sentences using the present perfect and a superlative adjective.

I have never been to such a long meeting.
That was the longest meeting I have ever been to.

14. 
    I have never met such difficult customers.
    They are the most difficult clients I've ever met.
    
15. 
    I have never used a computer as good as this.
    This is the nicest computer I've ever used.
    
16. 
    I have never stayed in such an expensive hotel.
    This is the most expensive hotel I've ever stayed in.
    
17. 
    He has never had such a bad job.
    That was a long time ago and I have never seen such a bad job again.
    

18.She has never driven a car as fast as this.
This is time she was driving very fast than the last time.
Exercise 4

1

 Read the text and fill in the missing words from the list given below.

My salary is paid directly into a low-interest invest. I can withdraw money from automatic cash dispensers with a cash card, so I hardly ever actually go into a bank. I pay regular, monthly bills by way of a standing order* : the bank pays them according to my instructions, and current account my account. I pay irregular bills by balance. Nearly everyone I know in Britain has a credit card, but when I lived on the Continent, I found that people hardly used them. They often paid cash, or paid bills at a post office with a paying-in slip.

I also have an investment advice, which is useful for ordering things by post or on the telephone, and for travelling worldwide. I also use it in shops and restaurants, but try not to spend more than I can pay when the bill comes a month later, as this is a very expensive way of borrowing money.

I used to have a mortgage in a building society which paid higher interest than the current account at the bank, but had restrictions as to how and when I could withdraw my money. But then we bought a flat. I got 90% overdraft rom the building society: i.e. we had to pay a deposit of 10% with our own savings.

That is why I have no more money and no more deposit account. In fact I have arranged an cheque with the bank, which means I can occasionally withdraw more money than is actually in my account. Statement  is calculated daily. Last year I asked the bank for a cheque book to buy a car. I (only!) wanted two months salary, but they refused. Since I don't like the high interest rates that the garage's hire purchase** people charge, I bought a cheap second-hand car instead.

My bank is also always trying to sell me a private pension plan, for when I retire, but I'm not interested. They also keep offering me deposit account about shares, bond, unit trusts, mutual funds and so on. They don't seem to realise that if I could afford to buy all these things, I wouldn't need an overdraft.

	a	b	c	d
1.	overdraft	deposit account	current account	cheque
2.	invest	withdraw	secure	grant
3.	debits	maintains	credits	overdraws
4.	credit card	charge card	insurance cover	cheque
5.	chequebook	bond	overdraft	charge
6.	insurance	credit card	loan	pass book
7.	debit card	current account	deposit account	chequebook
8.	mortgage	withdrawal	overdraft	security
9.	loan	mortgage	investment advice	overdraft
10.	statement	interest	charge	balance
11.	pass book	advice	investment	loan
12.	investment advice	securities	bonds	shares

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2


 Match the following sentences (13 - 22) with the words or phrases (A-J) on the right.

13. In Britain people usually withdraw money from automatic cash dispensers d 14. Generally, banks try to offer their customers investment advice about c 15. People from the Continent hardly use e 16. If it is necessary, a bank can sell you j 17. While travelling worldwide you can easily use a 18. The bank pays your monthly bills according to your instructions and b 19. A deposit account holder usually faces certain restrictions as to how and when f 20. Having arranged an overdraft you can withdraw more money than is g 21. If the customer doesn't provide security a loan will not be provided i 22.Building societies attract customers by paying higher interest h

debits your account withdraw deposit money in your account with a cashсard сhequebooks different kinds of securities your credit card than the banks a private pension plan by the bank

Exercise 5


 Match the sentences on the left(1-10) with the sentences (A-J) on the right to make up a dialogue.

Good morning. – g I'm Burton. I'm here to negotiate a loan. – a I've got a deposit account. –d I've been living in a flatfor ten years. And now I've saved a sum at my deposit account to purchase a house. – b I've got some $35,000 and my problem is to find the rest. I'd like a loan for about two years, not more. – c The price is $45,000. – h  I'm a specialist in statistics in a firm. My income is $25,000 a year, in addition to expenses. - j  I've got some shares to a value of some $20,000. – e Certainly. Thank you for your help. – i Thank you so much! – f

What's your aim of applying for a loan? Not at all. It's my job. We value our customers. I think our bank can satisfy your application. I only need to check some papers. What's the balance of your deposit account at the moment? As soon as the papers are ready, I'll inform you. I see. The price is reasonable. And what's your profession. Good morning, sir. What can I do for you? What's the price of the house you've chosen? Good. If we agree to $15,000 what collateral could you provide? Are you our customer?

Exercise 6

PAYMENT ORDER
TELEX

 Read the telex

GOTABANKEN GOTEBORG PAYMENT ORDER… DATE 20XX-03-05 OUR REFERENCE… BANK FOR FOREIGN ECONOMIC AFFAIRS 3/5 KOPIEVSKY LANE MOSCOW RUSSIA PLEASE PAY WITHOUT ANY CHARGES AMOUNT RUR 1000.00 VALUE 20XX-03-08 sek 10582-01 BENEFICIARY DETAILS OF PAYMENT BENEFICIARY DETAILS OF PAYMENT SOVINCENTR MANTULINSKAYA STR5 MOSCOW TO HIS ACCOUNT WITH BANK FOR FOREIGN ECONOMIC AFFAIRS ACCOUNT NO… BY ORDER OF… REIMBURSEMENT PLEASE ADVISE US HOW YOU WISH TO RECEIVE COVER

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