Материалы по развитию навыков диалогической речи по английскому языку на тему: "Banking Services"

Banking services

Task 1. Read the text and answer the questions:

Vocabulary:

transferring money customer seller savings interest deposit loan landowner real estate statement of  an account

денежный перевод покупатель продавец сбережения проценты вклад ссуда, заем землевладелец недвижимость выписка по счету

borrow currency vault The Cash Dispenser Machine current account withdraw lend mortage profit commodity insurance

брать в долг валюта хранилище банкомат текущий счет снимать со счета давать в долг ипотека доход товар страховка

BANKING

        It is an open secret that banks are the most important link in the world of money. This is because, first of all, banks nowadays perform the main part of the work of transferring money from a customer to a seller. Almost everyone in the world uses or has used banking services. Families keep their savings there, and banks pay them interest on their deposits and give them loans to buy expensive goods. Companies conduct payments through them. Commercial organizations, which work at the market and in production, take loans for their needs and conduct all payments with buyers and sellers through them. Landowners and owners of real estate take loans from the banks to buy an estate or to make use of it and pay back loaned money.

         Let us see how a bank is organized . There's the clerical staff (sometimes called bank clerks), and their job includes sorting cheques, making sure that each customer receives a statement of his/her account each month, detailed keeping up-to-date records of all bank's business.

     The Enquiries Desk. This is where you go if you need advice about the bank's services.

     The Manager. This is the person in charge of the bank. She or he gives customers advice about their finances and makes sure that the bank and its staff are working properly.

     The Small-Business Adviser. Banks provide a wide range of services to their customers. This includes advice for people with small businesses. "How do I start a business?" "How much money can I afford to borrow?" "How do I plan ahead to make my business successful?" The small-business adviser is there to answer these questions.

     The Bank’s Computer System. Modern Banks keep all their financial data in computers. This makes it possible to check and provide information at the touch of a button.

     The Foreign Exchange Desk. This is where you go to buy or sell foreign currency.

     The Vault. Money, important documents and valuable objects (г. paintings, jewellery) are kept here. Vaults have very thick walls and strong steel doors with complex locks.

     Video Camera. Security is vital in banks. That's why many of them use video cameras these days. They can't stop robberies, but can film the robbers.

     The Cash Dispenser Machine. You need money but the bank is closed? No problem — use the cash dispenser machine. All you have to do is to put your cash-card into the machine, tap in your personal identification number (PIN) and the amount of money you want. A few seconds later the money appears. Thanks to machines like these, many banks are now open 24 hours a day.

     In a bank you usually have a current account where you are paid your salary and then withdraw money to pay your everyday bills. The bank can give you a regular bank statements telling you how much money is in your account. You may also have a savings account where you deposit any extra money that you have and only take money out when you want to spend it on something special. Sometimes a bank may lend you money to buy a house, this money is called a mortage.

     Like any business, a bank is interested in profit. Money is the commodity it sells. The banks put their money where it brings them the highest profit. They are interested in keeping most of their money in circulation so that it should bring them profit. They shift money from sphere to sphere, from one geographical region to another. They seek to reduce their lending rates in order to attract clients. In their pursuit of high profit, the banks sometimes get involved in risky operations fraught with bankruptcy. Therefore, the Federal Government takes measures to minimize the danger. Every bank is obliged to take out insurance against robbery and bankruptcy lest the clients should lose their money in any case.

    Everything in the economy is controlled by money, and banks are a tool-kit for the economy - controlling the money circulation between firms, depositors and loaners, and offering services to make that circulation easier for them. A healthy and stable economy of any country depends on healthy banking services.

1. What people work in a bank?

2. What does the job of the clerical staff involve?

3. What can you do at inquiries?

4. What does the manager do at the bank?

5. What questions does the small-business adviser answer?

6. Where can you buy or sell foreign currency ?

7. What is the main function of a bank?

8. What can we do at a bank?

9. What bank services do you and your family use most often?

Vocabulary notes:

I want to apply for getting a loan. – Я хочу подать заявку на получение кредита.

You must provide necessary documents and confirm your solvency. – Вы должны предоставить необходимые документы и подтвердить свою платежеспособность.

I'd like to withdraw £100, please. – Я бы хотел снять 100 фунтов, пожалуйста.

How would you like the money? – Какими купюрами Вы хотите?

In tens, please (ten pound notes). – По 10 фунтов, пожалуйста.

Could you give me some smaller notes? – Не могли бы Вы дать мне купюры меньшего достоинства?

I'd like to pay this in, please. – Я бы хотел внести это на мой счет.

Identification (ID) – Удостоверение личности.

Your account's overdrawn. – Вы ушли в минус.

I'd like to transfer some money to this account. – Я бы хотел перевести деньги на этот счет.

Could you transfer £1000 from my current account to my deposit account? – Не могли бы Вы перевести 1000 фунтов с моего текущего счета на депозитный?

I'd like to open an account. – Я бы хотел открыть счет.

Could you tell me my balance, please? – Не могли бы Вы сказать мне, сколько средств у меня на счете?

Could I have a statement, please? – Можно мне выписку по счету?

I'd like to change some money. – Я бы хотел поменять деньги.

What's the exchange rate for euros? – Какой обменный курс для евро?

Where's the nearest cash machine? – Где ближайший банкомат?

What's the interest rate on this account? – Каковы проценты по этому вкладу?

What's the current interest on this loan? – Какой процент по кредиту?

I've lost my bank card. (I want to report a lost credit card\stolen credit card). – Я потерял мою карточку. (Я хочу заявить о потерянной\украденной кредитной карте).

I've forgotten my Internet banking password. – Я забыл пароль от мобильного банка.

I've forgotten the PIN number for my card. – Я забыл ПИН-код от моей карты.

Task 2. Read and translate the dialogues:

- Hello. Can I help you?

- I want to get a loan at your bank. What is your interest on the loan?

- Interest corresponds to the credit term. You can see them on the notice board.

- What are the preconditions for getting a credit card?

- You must sign a contract and open the loan account with our bank.

- Could you explain your policy to me?

- You must provide a list of necessary documents and confirm your solvency.

- I want to apply for getting a loan.

- Right. What amount?

- 1200 dollars.

- What’s credit term?

- Two years.

- Your passport, please?

- Here you are.

- And your telephone number?

- [phone].

- Right. Your application will be reviewed in the near term.

Bank officer: Good afternoon, sir. How can I help you?

Customer: Good afternoon. I'd like to open a savings account. What interest do you offer?

Bank officer: We have several offers. A lot depends on the length and amount of the deposit you want to place at our bank.

Customer: Well, do you have a list of these offers? If yes, can I have a look?

Bank officer: Yes, we do, sir. Here it is.

Customer: Thank you. I choose this one: a deposit for a year.

Bank officer: All right. I will need your ID, sir.

Customer: Here it is.

Bank officer: Please, read the agreement and sign it. Is there anything else that I can help you with?

Customer: No, thank you for your help.

Bank officer: Good morning. Is there anything I can do for you?

Customer: Can you tell me where your ATM is? I need to withdraw some money from my card.

Bank officer: It's over there, sir. Go straight till the end of the corridor and then turn left.

Customer: Thank you.

(2 minutes later)

Customer: I'm sorry, but your ATM doesn't accept my card. Perhaps, it doesn't work.

Bank officer: Let's see. Did you enter the right PIN?

Customer: I hope so. At least, I didn't change it.

Bank officer: Can you enter it one more time, please?

Customer: Yes, sure. Here it is. It still doesn't work.

Bank officer: I'm awfully sorry for inconvenience. Perhaps, this ATM really doesn't work. We have another one outside. Would you like to try that one?

Customer: Certainly, I'll try it. Thanks for your help.

Bank officer: You're welcome, sir. Please, ask if you have any further questions.

Task 3. Insert the missing words:

– Good afternoon, madam.

– Good afternoon, sir. How can I help you?

– Yes. I’d like to ______1_______$ 500.

– But you could have used our _______2________for that purpose. It’s very easy and fast.

– Well. I have just tried to _____3_____my account several times there. But I guess something is wrong with the machine.

– OK. Are you sure you entered the _____4______PIN number?

– Absolutely. I’ve been your customer for about 10 years already and I’ve never been denied the access.

– OK, sir. Please, don’t worry. Let’s have a look at your account from my computer.  I need your ID, please.

– Here is it.

– Thank you, Mr. Barney. Can I have your___________5___________, please?

– Sure. It’s 4558 6742.

– OK. … Well. There is nothing wrong with your account, sir. So, what kind of __________6__________are you going to make now?

– I want to withdraw $ 500, please.

– How would you like your cash?

– In 50’s, please.

– Just a minute. Here is your cash, sir. Please, ensure that you’ve got the exact amount of money.

– Yes. Everything is right. And could I have my_________7_______ printed out, please?

– Certainly, sir. Here you are.

– Thank you for your help.

– Have a nice day!

access, withdraw, transactions, account number, ATM machine, statement, correct

Task 4. Match the dialogues with the situation:

1. -Good afternoon! Can I help you? -Good afternoon! I would like to convert Australian dollar to Euro. -How many Australian dollar have you got? -Fifty. What is the today`s rate of exchange? -You can see the current rate on that notice board. -Oh, thank you. It is O.K. -You are welcome.	a. ecpecting money transfer
2. -Good afternoon! What can I do for you? -Good afternoon. My name is Green. I am expecting money from Dresdner Bank in Germany. -Just a minute, please. I shall check it. Are you Benjamin Green? -Yes, I am Benjamin Green. -There are 2000 US Dollar from the Dresdner Bank of Germany for you. Have you got your passport? -Yes, of course. Here you are. -Thank you. Here is your money.	b. opening an account
3. -Good morning! I am from Sweden and I`m going to stay in Great Britain for ten months. I have to open an account here. What papers do I need? -Good morning. It is not a problem to open an account at our bank. You have to show your passport and to bring a letter from your present employer. If you are a student, we need a letter from your place of study. -Is that all? -Yes, that`s all. -Thank you! -You are welcome.	c. at The Foreign Exchange Desk

Task 5. How well do you know the ATM phrases? Find in the box the English for:

Вставьте карту, Введите ПИН-код, Неверный ПИН-код, Ввод, Исправить, Отмена, Снять наличные, Другая сумма, Пожалуйста, подождите, Недостаточно средств на счете, Узнать баланс, На экране\На чеке, Выполнить другую услугу, Напечатать чек, Заберите карту, Завершить обслуживание.

Correct	Insufficient funds	Withdraw cash	Please wait
Other amount	Insert your card	Quit	Enter
On screen\ Printed	Another service?	Enter your PIN	Balance
Incorrect PIN	Would you like a receipt?	Remove card	Cancel

Краткое описание документа:

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