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Упражнение №3. Изучите новые слова.
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The Structure and the Functions of the Bank
1. сomprise включать
2. сhair person председатель
3. board of directors совет директоров
4. region область
5. institutions – учреждение, заведение, организация
6. strengthen укрепить
7. empower наделить полномочиями, вдохновить
8. payment system платежная система
9. ensure обеспечить
10. representative представитель
11. executive bodies органы исполнительной власти
12. authority власть
13. treasury казначейство
Reading
Упражнение №4. Прочитайте и переведите текст, придумайте для него заголовок.
Текст №1
The Bank of Russia has a vertically integrated centralized structure, comprising the central office, territorial institutions, the cash processing centre (CPC), and other organizations. The National Financial Council operates through the Bank of Russia, while the bank’s central office includes a board of directors and a chairperson. The Bank of Russia’s territorial institutions are autonomous and perform some of the functions of the Bank of Russia across Russia’s regions. The regional territorial institutions are based in economic regions and cover several constituent entities of Russia. They comprise the main departments in the regions, territories, and autonomous districts of Russia, in Moscow and St. Petersburg, and national banks in the republics of the Russian Federation.
The main departments take part in the implementation of the state monetary and credit policy, ensuring the banking system’s development and strengthening; the efficiency and continuous operation of the settlements system; the regulation and supervision of activities of credit institutions in the securities market; the foreign exchange control; the analysis of the state of the economy and its development prospects, as well as the analysis of regional financial markets. A territorial institution has no legal status and is empowered with authority in accordance with the Bank of Russia’s regulation and statutory acts. Cash processing centers (CPCs) are structural units of territorial institutions. The main goal of the CPCs is to ensure the existence of an efficient, reliable and safe payment system in Russia. The CPCs have contractual relationships with credit institutions, representative and executive bodies, local government authorities, federal treasury bodies, and other clients.
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Упражнение №5. Найдите ответы на вопросы в тексте:
1. What structure does the Bank of Russia have?
2. Where are the regional territorial institutions based?
3. Where do the main departments take part?
4. What is the main goal of the CPCs?
Упражнение №6. Скажите, какие из высказываний верные, а какие – нет. Исправьте неверные суждения.
1. The Bank of Russia has a horizontally integrated centralized structure.
2. The regional territorial institutions are based in economic regions and cover several constituent entities of Russia.
3. The main departments take part only in the implementation of the state monetary and credit policy.
4. A territorial institution has a legal status.
5. The main goal of the CPCs is to ensure the existence of an efficient, reliable and safe payment system in Russia.
Упражнение №7. Заполните пропуски нужным словом:
Interest rates, approximate, a risk, government, investments, recession, circulation, economy
1. The train's time of arrival is 10.30.
2. It's always a starting up a new business.
3. The government plans to cut taxes in order to stimulate the .
4. People are worried about inflation biting into their savings and .
5. The is spending millions of dollars in its attempt to combat drug abuse.
6. The has led to many small businesses going bankrupt.
7. Police have warned that there are a lot of fake £50 notes in .
8. The bank has plans to cut /raise interest .
Speaking
Упражнение №8. Прочитайте и воспроизведите диалог.
| —Hello. Can I help you? | — Здравствуйте. Чем могу помочь? |
| — I want to get a loan at your bank. What is your interest on the loan? | — Я хочу получить кредит в вашем банке. Какие у вас проценты по кредиту? |
| — Interest corresponds to the credit term. You can see them on the notice board. | — Проценты соответствуют сроку кредита. Вы можете посмотреть на доске объявлений. |
| — What are the preconditions for getting a credit card? | — Какие предварительные условия для получения кредитной карты? |
| — You must sign a contract and open the loan facility account with our bank. | — Вы должны подписать договор и открыть кредитный счет в нашем банке. |
| — Could you explain your policy to me? | — Не могли бы вы объяснить, на каких условиях это осуществляется? |
| — You must provide a list of necessary | — Вам необходимо предоставить |
| documents and confirm your solvency. | перечень необходимых документов и подтвердить свою платежеспособность. |
| — I want to apply for getting a loan. | — Я хочу подать заявку на получение кредита. |
| — Right. What amount? | — Хорошо. На какую сумму? |
| — 1200 dollars. | — 1200 долларов. |
| — What’s credit term? | — Срок кредита? |
| — Two years. | — Два года. |
| — Your passport, please? | — Ваш паспорт, пожалуйста? |
| — Here you are. | — Вот, пожалуйста. |
| — And your telephone number? | — И ваш номер телефона? |
| — (524) 905-2861. | — (524) 905-2861. |
| — Right. Your application will be reviewed in the near term. | — Хорошо. Ваша заявка будет рассмотрена в ближайшее время. |
Word study
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Упражнение №9. Изучите новые слова.
1. сredit – кредит
2. initially – изначально
3. preserve – сохранить
4. scope – область
5. employee – сотрудник
6. transparent – прозрачный
7. lobby – приёмная
8. preserve – сохранить
9. equity – справедливость
Упражнение №10. Прочитайте и переведите текст “Alfa-Bank”. Текст №2
Alfa-Bank
Alfa-Bank is one of the first non-governmental credit institutions. The Bank was founded in 1991. Its creator is Mikhail Fridman, a prominent Russian businessman.
Alpha Bank was initially designed as a financial institution, servicing the financial interests of one group. However, in future the Bank grew, expanded the scope of its activities and became a full-fledged and even the best classic universal bank.
The ownership structure of Alfa-Bank, to a certain extent, is not transparent. In fact, the bank is owned by OAO AB holding company, which, in turn, is the property of ABH Financial Ltd., registered in Luxembourg. This credit organization often defends not only its interests, but the whole financial industry as a whole.
Today "Alfa-Bank" is a universal commercial bank, serving more than 82 companies and almost 10 million individuals. It has its structural units in a number of countries.
From the point of view of the investors, interested in the following services of Alfa-Bank are deposits, brokerage services on the Russian equity market, as well as services on the Forex market. In addition, this credit organization works with precious metals.
Online reviews of Alpha Bank mostly favorable customers find it convenient, that the credit organization truly universal. It offers a virtually the entire range of possible services. At the same time, online comments can be found. The Bank almost always comes quite tough in its own interests.
Word study
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