Название: Деловой английский. Ускоренный курс

Жанр: Филология

Рейтинг:

Просмотров: 4613


Banking

Text

The next day the session was devoted to the United Kingdom

Banking Sector.

Here is the short summary of the lecture:

The UK Banking Sector

Retail Banks

21

Discount Houses

8

British Merchant Banks

31

Other British Banks

167

American Banks

44

Japanese Banks

29

Other Overseas Banks

290

Total

590

In addition there are 92 Building Societies

 

Retail Banks: They render numerous services for private customers and have extensive branch networks in the UK. They participate dnectly in the UK clearing system.

Discount Houses: They are mostly engaged in discounting bills of exchange for the corporate sector.

British Merchant Banks: These are wholesale banks handling big money for private and corporate customers. They are engaged in mergers, take-overs and acquisitions. They also provide consulting services.

Other British Banks: Comprise all other UK registered banking institutions and certain banks in the Channel Islands and the Isle of Man. They are controlled by UK companies or individuals.

American Banks: Comprise the branches and subsidiaries of US banks.

Japanese Banks: Comprise the branches and subsisdiaries of banks based in Japan.

Overseas Banks: Comprise the branches and subsidiaries of non- American or non- Japanese banks and Consortium banks. These are jointly owned by other financial institutions, one of which must be based overseas.

Building Societies: In the past they mostly extended mortgage loans, but nowadays they also widely practice taking in deposits and they practically operate as banks.

Words and expressions

twenty

 

двадцать (числ.)

banking

 

банковское дело

The lecture was devoted to banking.

 

 

Лекция была посвящена банковскому делу

retail

 

розничный

retail bank

 

банк, обслуживающий мелких клиентов

discount

 

скидка; учет (векселей)

discount house

 

учетный дом — фирма/банк, занимающийся учетом векселей и операциями на денежном рынке

merchant

['mýtS@nt]

купец

merchant bank

 

торговый банк — банк, специализирующийся на финансировании внешней торговли, а также на операциях на рынке капиталов, организации слияний и поглощений фирм и предприятий, различных консультационных услугах

thirty one

 

тридцать один (числ.)

one hundred and sixty seven

 

сто шестьдесят семь (числ.)

Japanese

[,³p@'nÖz]

японский

overseas

 

 

за морем, зарубежом, за границей

two hundred and ninety

 

двести девяносто (числ )

total

 

общий, итоговый; итог, итого

five hundred and ninety

 

пятьсот девяносто (числ )

to build (built, built)

[bIld, bIlt]

строить

society

[s@'saI@tI]

общество

building society

 

строительное общество — учреждение, специализирующееся на привлечении сбережений населения и кредитовании жилищного строительства

to render

 

оказывать

numerous

['njüm@r@s]

многочисленный

services

 

услуги

extensive

 

обширный

branch

 

отделение, ветвь

networks

['netwýks]

сеть

branch networks

 

сеть отделений

extensive branch networks

 

разветвленная, широкая сеть отделений

to participate

 

участвовать

clearing

 

 

клиринг — расчеты путем взаимного зачета требований (платежей)

clearing system

 

клиринговая система

to be engaged in something

 

заниматься чем-либо

to discount

 

учитывать

bill

 

вексель, банкнота, документ о признании долга

to discount bills

 

учитывать вексели

bill of exchange

 

 

переводный вексель — приказ выплатить предьявителю определенную сумму

corporate

 

корпоративный — отно

 

 

сящийся к компаниям

wholesale

['houlseIl]

оптовый

wholesale bank

 

 

оптовый банк — банк, специализирующийся на крупных операциях

money

 

деньги

merger

 

слияние двух или более компаний для образования одной новой

take-over

 

 

поглощение одной компанией другой (часто вопреки ее желанию)

acquisition

[,{kwI'zISn]

приобретение

to comprise

 

включить

certain

 

определенный

the Channel

 

пролив Ла-Манш

island

 

остров

Isle of Man

 

остров Мэн

subsidiary

[s@b'sIdj@rI]

филиал

to be based

 

находиться

consortium

 

консорциум

jointly

 

совместно

to own

 

владеть

to be owned by somebody

 

находиться во владении кого-либо

to extend

 

простираться

loan

 

кредит

to extend a load

 

предоставлять кредит

mortgage

['mþgI³]

ипотека, ипотечный кредит — передача кредитору права на недвижимость в качестве залога за полученную ссуду

nowadays

 

сейчас

widely

 

широко

to practice doing something

 

использовать практику чего-либо

deposit

 

депозит — 1) вклад денег в кредитном учреждении; 2) краткосрочная межбанковская ссуда

to take in deposits

 

принимать депозит

to operate

 

работать; управлять

to operate as banks

 

работать как банк

 

Exercises

1. Read the following:

• the next day

in the past other banks

• the Channel Islands

the Isle of Man

the United Kingdom

the corporate sector

 

• They are engaged in mergers.

They are engaged in take-overs.

They are engaged in acquisitions.

They are mostly engaged in discounting bills.

• Here is the short summary of the lecture.

There are ninety-two building societies in the UK.

These are wholesale banks.

2. Find answers in the text and read these sentences:

To what topic was the lecture devoted?

How many retail banks are there in Britain?

How many discount houses are there?

How many merchant banks are there?

How many other British banks are there?

What foreign banks are located in the UK?

How many building societies are there in Britain?

2. Translate into Russian:

• banking

• merchant banks

banking sector

overseas banks

retail banks

building societies

discount houses

clearing system

to discount bills

acquisition

private customer

consulting services

corporate customer

branch

corporate sector

subsidiary

merger

mortgage

take-over

mortgage loan

 

4. Match terms and definitions:

retail banks

banks extending mortgage loans, taking in deposits and providing other banking services

discount houses

banks serving private customers

merchant banks

banks serving private and corporate customers with big money

building societies

banks discounting bills of exchange

 

5. Complete as in the text:

There are a few types of foreign banks based in Britain. They are American, Japanese and other overseas banks.

American banks ...

Japanese banks ...

Overseas banks ...

6. Insert articles:

... next day ... session was devoted to ... United Kingdom Banking Sector. Here is ... short summary of... lecture.

... UK Banking Sector comprises retail banks, discount houses, merchant banks, foreign banks, building societies and other banks.

7. Insert prepositions:

Retail banks render numerous services ... private customers and have extensive branch networks ... the UK. They participate directly ... the UK clearing system.

Merchant banks are wholesale banks. They handle big money ... private and corporate customers. They are engaged ... mergers, takeovers and acquisitions.

8. Complete the sentences:

Discount houses are mostly engaged in discounting ...

American banks comprise the branches ...

Japanese banks comprise ...

In the past British building societies mostly extended mortgage ... but nowadays they also ... as banks.

9. Underline the verbs and translate the sentences into Russian:

Other British banks comprise all other banking institutions registered in the UK and banks in a few islands. They are controlled by UK companies or individuals. Overseas banks are foreign banks excluding (исключая) American and Japanese banks. They comprise the branches and subsidiaries of those banks and Consortium banks too. All these banks are owned by other financial institutions. One of the owners of every bank must be based overseas.

10. Role play:

Imagine you are the lecturer. Speak on the types of banks in Great Britain.

11. Agree or disagree:

Types of banks in Russia are similar to those in Great Britain.

12. Say what you know about commercial banks in Russia.


Оцените книгу: 1 2 3 4 5