Практическая работа по английскому языку на тему: " Финансовые учреждения и их услуги"

Практическая работа.

Тема: «Финансовые учреждения и их услуги»

Цель: Развитие речевых компетенций, чтения с извлечением частичной и полной информации

Формирование коммуникативной компетенции, расширение кругозора.

Продолжительность занятия : 9 часов

Оборудование: 1. Учебники; 2. Раздаточный материал.

Основные понятия и термины по теме: financial institutions (финансовые учреждения), asset management firms (фирмы по управлению активами), stock brokerages (фондовые брокерские компании), financial resources (финансовые ресурсы), individual (физическое лицо), investment (инвестиция/вложение),pension fund (пенсионный фонд), insurance institution (страховое учреждение), mortgage loan (ипотечный кредит), аccepting deposits (прием вкладов), supplying short-term loans (поставка краткосрочных кредитов), transferring money (переводить денежные средства), exchange (обмен валюты),to get income (получить доход).

1. Read and translate the text about financial institutions and their functions:

Financial institutions include banks, credit unions, asset management firms, building societies, and stock brokerages. These institutions are responsible for distributing financial resources in a planned way to the potential users.
There are a number of institutions that collect and provide funds for the necessary sector or individual. On the other hand, there are several institutions that act as the middleman and join the deficit and surplus units. Investing money on behalf of the client is another of the variety of functions of financial institutions.

Financial institutions can be categorized as follows:

·         Deposit Taking Institutions

·         Finance and Insurance Institutions

·         Investment Institutions

·         Pension Providing Institutions

·         Risk Management Institutions

At the same time, there are several governmental financial institutions assigned with regulatory and supervisory functions (наделенные регулирующими и надзорными функциями). These institutions have played a distinct role in fulfilling the financial and management needs of different industries (определенная роль в выполнении финансовых и управленческих потребностей различных отраслей промышленности.

Deposit taking financial organizations are known as commercial banks, mutual savings banks, savings associations, loan associations and so on.

The primary functions of financial institutions of this nature are as follows:

·         Accepting Deposits

·         Providing Commercial Loans

·         Providing Real Estate Loans (предоставление кредитов недвижимости)

·         Providing Mortgage Loans

·         Issuing Share Certificates (выдача сертификатов акций)

2. Find in the text:

a.      депозитные учреждения известны как коммерческие банки

b.      финансовые учреждения отвечают за распределение финансовых ресурсов

c.       основные функции финансовых учреждений

d.      предоставление ипотечных кредитов

e.       учреждения пенсионного обеспечения

f.        вложение денег от имени клиента

g.      выступать в качестве посредника

3. What do banks specialize in? Do you agree that banks specialize in:

Banks

specialize in...

supplying short-term loans

 making long-term loans in certain circumstances

 transferring money

 exchanging money

·         What do insurance companies invest money in?

·         Is it true that insurance companies invest money in…

·         In what way do insurance companies get their income?

Insurance companies

invest money in...

government securities

 company shares

 land

 property of all kinds

What types of pension funds do you know?

Pension funds

may be

state

 private

4. Match Russian and English equivalents:
1.Существуют ли бесплатные банковские услуги?

2.Многие банки устанавливают плату за услуги. 

3. Компании с хорошим финансовым положением получают некоторые привилегии. 
4.Много ли денег на вашем расчетном счете?

5.Наш коммерческий банк занимается финансированием сельского хозяйства. 
6.Некоторые сберегательные банки идут навстречу новым финансовым запросам людей. 
7.Коммерческий банк заинтересован в высокой прибыли. 
8.Большинство банков предлагают своим клиентам различные депозитные сертификаты. 
9.Около двух третей коммерческих банков в США - федеральные банки. 
10.Многие банки устанавливают высокую плату за свои услуги.

a)Some savings banks meet new financial needs of people.
b)Is there much money on your checking account?
c)About two thirds of all commercial banks in the USA are federal.

d)Many banks charge fees for the services.
e)Companies with a good financial position are chartered.
f)Our commercial bank deals with financing for agriculture.

g)Many banks assess a high service fee for their services.

h)Most banks offer their customers various certificates of deposit.
i)A commercial bank is a profit-making corporation. 

j)Are there free of charge banking services?

5.прочитайте и переведите текст:

«Financial institutions»

There are many important financial institutions which provide finance for companies. These institutions provide money in different ways.

 Banks

Althouth banks specialize in supplying short-term loans, they are prepared to make loans for longer periods – up to 20 years in certain circumstances.

 Insurance companies

The regular premiums paid by policyholders are invested in government securities, company shares, land, and property of all kinds. The income from these investments makes it possible for insurance companies to pay out interests which are greater than the total payments made by policyholders.

 Pension funds

Although in many countries there is a state pension scheme to which all workers contribute, a large number of employed and self-employed people also belong to private pension schemes. The money which accumulates in these pension funds is invested and works in a very similar manner to the funds of insurance companies.

 Investment trusts

These are limited companies buying shares in other companies which they believe will be the most successful ones. People who then buy shares in investment trusts are paid dividends and investment funds obtain a profit too.

Unit trusts

These operate in a very similar manner to investment trusts. But they are not limited companies – they do not issue shares, they issue units. These units cannot be re-sold on the open market, but they can be sold back to the unit trust at any time.

 Finance houses

These institutions provide the loans which finance hire-purchase schemes and leasing arrangements. Firms which sell goods on hire-purchase or who lease goods do not have to wait two or three years before their goods are fully paid for. They receive immediate payment from a finance hours, and it is the finance house which collects the regular installments paid by the purchaser.

 There are many other specialist financial institutions which provide finance for companies. Besides in many countries a government is an important source of finance for privately-owned firms.

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