Специальность «Экономическая безопасность»
КОНТРОЛЬНАЯ РАБОТА № 1
Дисциплина «Иностранный язык» (английский)
Специальность «Экономическая безопасность»
Прочитайте и устно переведите текст.
Текст №1
Banking Products
1) My salary is paid directly into a low-interest current account. I can withdraw money from automatic cash dispensers with a cashcard, 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 debits my account. I pay irregular bills by cheque. Nearly everyone I know in Britain has a chequebook, 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.
2) I also have a credit card, 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. The annual interest is exorbitant - well over 20%.
3) Some years ago I had a deposit account 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 a 90% mortgage from the building society: i.e. we had to pay a deposit of 10% with our own savings.
4) That is why I have no more money and no more deposit account. In fact I have arranged an overdraft with the bank, which means I can occasionally withdraw more money than is actually in my account. Interest is calculated daily. Last year I asked the bank for a loan 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.
5) I always use the bank to buy foreign currency when I go abroad, because their rates are better than the bureaux de change**. I don't like travellers' cheques, and I've never had my money stolen-yet.
6) My bank is also always trying to sell me a private pension plan, but I'm not interested. They also keep offering me investment advice about shares, bonds, unit trusts, mutual funds, and so on. They don't seem to realize that if I could afford to buy all these things, I wouldn't need an overdraft.
* Постоянное поручение (распоряжение, выданное клиентом банку).
** (Фр.) бюро обмена валюты.
I Запомните следующие слова и выражения из текста:
Account — банковский счет.
Accountant — бухгалтер.
Current account — текущий счет.
Deposit account — депозитный счет.
Bill — вексель, счет.
То pay a bill — оплатить счет.
Cash — наличные деньги.
Cash dispenser — банкомат (раздатчик наличных).
Cashcard — наличная карточка, позволяющая получать наличные.
Credit card — кредитная карточка.
Cheque — чек.
Chequebook — чековая книжка.
Currency — валюта.
Foreign currency — иностранная валюта.
Interest — процент.
Annual interest — ежегодный процент.
Monthly interest — ежемесячный процент.
High interest rate — высокая процентная ставка.
Exchange rate — курс обмена.
Loan — заем.
То ask for a loan — просить заем.
Money — деньги.
То borrow money — брать взаймы.
То withdraw money — снимать деньги (со счета).
Mortgage — закладная, ипотека.
Overdraft — превышение кредита в банке.
Saving — сбережения.
Share — акция.
Bond — облигация.
Securities — ценные бумаги.
Branch — филиал.
II В следующих предложениях из текста определите функцию глагола Be и переведите предложения на русский язык.
Например:
1. The employees who check a company's financial affairs are accountants.
Are — Present Indefinite Active от глагола Be (глагол — связка). Служащие, которые контролируют финансовые дела компании — бухгалтера.
2. The money is immediately transferred to an account in London.
Is transferred — Present Indefinite Passive от глагола «transfer». Деньги немедленно переводят / переводятся на счет в Лондоне.
1) Мy salary is paid directly into a low-interest current account.
2) 1 also have a credit card, which is useful for ordering things by post or on the telephone.
3) This is a very expensive way of borrowing money.
4) The annual interest is exorbitant — over 20%.
5) Interest is calculated daily.
III. Выпишите из текста и переведите 5 предложений с глаголом Have в функциях:
а) смыслового глагола, который переводится «иметь»
1) в Present Indefinite Tense; 2) в Past Indefinite Tense.
Например:
Royal Bank has assets of 20 billion pounds — Королевский банк имеет активы в 20 миллиардов фунтов стерлингов.
I have a Barclays student Bank Account — У меня есть студенческий счет в Барклай банке.
Our company had a lot of debts some years ago — Наша компания имела много долгов несколько лет назад.
b) модального глагола, который переводится «должен», «приходиться».
Например:
Every year we have to fill in a form for the tax office about our income — Каждый год мы должны (нам приходиться) заполнять декларацию для налоговой инспекции о наших доходах.
c) вспомогательного глагола для образования Present Perfect Tense.
Например:
Interest rates have just started, to fall — Процентные ставки только что начали падать.
Текст №2
Types of Banks
1) Central banks supervise the banking system; fix the minimum Interest rate; issue bank notes; control the money supply; influence exchange rates; and act as a lender of last resort.
2) Commercial banks are businesses that trade in money. They receive and hold deposits in current and savings accounts; pay money according to customers' instructions, lend money, and offer investment advice, foreign exchange facilities, and so on. In some countries such as England these banks have branches in all major towns; in other countries there are smaller regional banks. Under American law, for example, banks can operate in only one state. Some countries have banks that were originally confined to a single industry, e.g. the Credit Agricole in prance, but these now usually have a far wider customer base.
3) In some European countries, notably Germany, Austria, and Switzerland, there are universal banks, which combine deposit and loan banking with share and bond dealing, investment advice, etc. Yet even universal banks usually form a subsidiary, known as a finance house, to lend money - at several per cent over the base lending rate - for hire purchase or installment credit, that is, loans to customers that are repaid in regular, equal monthly amounts.
4) In Britain, the USA and Japan, however, there is a strict separation between commercial banks and banks that do stockbroking or bond dealing. Thus in Britain, merchant banks specialise in raising funds for industry on the various financial markets, financing international trade, issuing and underwriting securities, dealing with takeovers and mergers, issuing government bonds, and so on. They also offer stockbroking and portfolio of management services to reach corporate and individual clients. Investment banks in the USA are similar, but they can only act as intermediaries offering advisory services, and do not offer loans themselves.
5) In Britain there are also building societies that provide mortgages, i.e. they lend money, to home buyers on the security of houses and flats; and attract savers by paying higher interest than the banks. The savings and loans associations in the United States served a similar function, until most of them went spectacularly bankrupt at the end of the 1980s.
6) There are also supranational banks such as the World Bank or the European Bank for Reconstruction and Development, which are generally concerned with economic development.
КОНТРОЛЬНАЯ РАБОТА № 1
Дисциплина «Иностранный язык» (английский)
Специальность «Экономическая безопасность»
Прочитайте и устно переведите текст.
Текст №1
Banking Products
1) My salary is paid directly into a low-interest current account. I can withdraw money from automatic cash dispensers with a cashcard, 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 debits my account. I pay irregular bills by cheque. Nearly everyone I know in Britain has a chequebook, 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.
2) I also have a credit card, 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. The annual interest is exorbitant - well over 20%.
3) Some years ago I had a deposit account 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 a 90% mortgage from the building society: i.e. we had to pay a deposit of 10% with our own savings.
4) That is why I have no more money and no more deposit account. In fact I have arranged an overdraft with the bank, which means I can occasionally withdraw more money than is actually in my account. Interest is calculated daily. Last year I asked the bank for a loan 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.
5) I always use the bank to buy foreign currency when I go abroad, because their rates are better than the bureaux de change**. I don't like travellers' cheques, and I've never had my money stolen-yet.
6) My bank is also always trying to sell me a private pension plan, but I'm not interested. They also keep offering me investment advice about shares, bonds, unit trusts, mutual funds, and so on. They don't seem to realize that if I could afford to buy all these things, I wouldn't need an overdraft.
* Постоянное поручение (распоряжение, выданное клиентом банку).
** (Фр.) бюро обмена валюты.
I Запомните следующие слова и выражения из текста:
Account — банковский счет.
Accountant — бухгалтер.
Current account — текущий счет.
Deposit account — депозитный счет.
Bill — вексель, счет.
То pay a bill — оплатить счет.
Cash — наличные деньги.
Cash dispenser — банкомат (раздатчик наличных).
Cashcard — наличная карточка, позволяющая получать наличные.
Credit card — кредитная карточка.
Cheque — чек.
Chequebook — чековая книжка.
Currency — валюта.
Foreign currency — иностранная валюта.
Interest — процент.
Annual interest — ежегодный процент.
Monthly interest — ежемесячный процент.
High interest rate — высокая процентная ставка.
Exchange rate — курс обмена.
Loan — заем.
То ask for a loan — просить заем.
Money — деньги.
То borrow money — брать взаймы.
То withdraw money — снимать деньги (со счета).
Mortgage — закладная, ипотека.
Overdraft — превышение кредита в банке.
Saving — сбережения.
Share — акция.
Bond — облигация.
Securities — ценные бумаги.
Branch — филиал.
II В следующих предложениях из текста определите функцию глагола Be и переведите предложения на русский язык.
Например:
1. The employees who check a company's financial affairs are accountants.
Are — Present Indefinite Active от глагола Be (глагол — связка). Служащие, которые контролируют финансовые дела компании — бухгалтера.
2. The money is immediately transferred to an account in London.
Is transferred — Present Indefinite Passive от глагола «transfer». Деньги немедленно переводят / переводятся на счет в Лондоне.
1) Мy salary is paid directly into a low-interest current account.
2) 1 also have a credit card, which is useful for ordering things by post or on the telephone.
3) This is a very expensive way of borrowing money.
4) The annual interest is exorbitant — over 20%.
5) Interest is calculated daily.
III. Выпишите из текста и переведите 5 предложений с глаголом Have в функциях:
а) смыслового глагола, который переводится «иметь»
1) в Present Indefinite Tense; 2) в Past Indefinite Tense.
Например:
Royal Bank has assets of 20 billion pounds — Королевский банк имеет активы в 20 миллиардов фунтов стерлингов.
I have a Barclays student Bank Account — У меня есть студенческий счет в Барклай банке.
Our company had a lot of debts some years ago — Наша компания имела много долгов несколько лет назад.
b) модального глагола, который переводится «должен», «приходиться».
Например:
Every year we have to fill in a form for the tax office about our income — Каждый год мы должны (нам приходиться) заполнять декларацию для налоговой инспекции о наших доходах.
c) вспомогательного глагола для образования Present Perfect Tense.
Например:
Interest rates have just started, to fall — Процентные ставки только что начали падать.