Unità 3: English for Finance and Banking

Obiettivi e orientamento

In quest'unità imparerai ed eserciterai il lessico relativo al settore finanziario e bancario.

Eserciterai le seguenti conoscenze e capacità:

descrizione di funzioni bancarie fondamentali
le modalità di pagamento

L'orientamento grammaticale di quest'unità è:

Lessico

Vocaboli

	conto
	numero del conto (bancario)
	importo
	ATM o bancomat
	saldo
	banca
	commissioni bancarie
	banconota
(U.S.)	scontrino (U.S.)
	filiale
	contanti
	cassiere
(U.S.)	assegno bancario (U.S.)
(U.S.)	conto corrente bancario (U.S.)
(British)	cheque (British)
	libretto degli assegni
	moneta
	commissione
	carta di credito
(British)	conto corrente bancario (British)
	conto depositi
	tasso di cambio
	valuta estera
	interesse
	tasso d'interesse
	investimento
	prestito
	sede principale, centrale
	denaro
	ipoteca
	profitto
	tasso
	ricevuta
	conto di risparmio, deposito fruttifero
	quote, azioni
	firma
	estratto conto
	borsa azionaria, borsa valori
	incassare
	guadagnare
	investire
	prestare
	fare un trasferimento
	pagare
	firmare
	trasferire

Frasi

	Compili questo modulo, per favore.
	Vorrei cambiare del denaro in euro, per favore.
	Vorrei mettere del denaro sul mio conto, per favore.
	Vorrei prendere del denaro dal mio conto, per favore.

Esercizi di lessico

Esercizio 1: Esamina le tue conoscenze

Completa la traduzione corretta per ciascuna delle seguenti espressioni.

valuta estera [?]
conto di risparmio, deposito fruttifero [?]
Compili questo modulo, per favore. [?]
commissioni bancarie [?]
denaro [?]
prestito [?]
ricevuta [?]
libretto degli assegni [?]
guadagnare [?]
tasso [?]
ATM o bancomat [?]
assegno bancario (U.S.) [?]
sede principale, centrale [?]
Vorrei mettere del denaro sul mio conto, per favore. [?]
Vorrei prendere del denaro dal mio conto, per favore. [?]
numero del conto (bancario) [?]
commissione [?]
profitto [?]
quote, azioni [?]
investimento [?]
conto corrente bancario (British) [?]
filiale [?]
fare un trasferimento [?]
firmare [?]
incassare [?]
interesse [?]
tasso d'interesse [?]
trasferire [?]
cassiere [?]
conto [?]
conto depositi [?]
conto corrente bancario (U.S.) [?]
cheque (British) [?]
prestare [?]
moneta [?]
banca [?]
ipoteca [?]
tasso di cambio [?]
banconota [?]
investire [?]
scontrino (U.S.) [?]
contanti [?]
borsa azionaria, borsa valori [?]
pagare [?]
importo [?]
estratto conto [?]
firma [?]
carta di credito [?]
saldo [?]
Vorrei cambiare del denaro in euro, per favore. [?]

Comprensione d'ascolto

Esercizio 1: Domande a scelta multipla

Scegli la risposta corretta.

Registrazione:

Trascrizione:

Cashier	Good morning, madam.
Woman	Good morning. I have a little problem. I'd like to buy some books from America but I don't know the best way to pay for them. What do you recommend?
Cashier	Well, you can give them your credit card number, or you can make a transfer. It's probably better to make a transfer.
Woman	Is a transfer very expensive?

Cashier: No, but there is a small commission.

Questo esercizio è disponibile anche puramente nella versione udita/orale:

What does the woman want to buy?
a.
b.
c.

[?]
Where does she want to buy the books from?
a.
b.
c.

[?]
What does the cashier recommend her to do?
a.
b.
c.

[?]

Esercizio 2: Domande a scelta multipla

Scegli la risposta corretta.

Registrazione:

Trascrizione:

Cashier	Good afternoon, sir.
Man	Good afternoon. I've just come back from a business trip to Japan and I've got some Japanese currency that I'd like to change into euros. Is that possible?
Cashier	We can take the bank notes, but I'm afraid we can't change the coins.
Man	OK, then could you change these notes for me, please?
Cashier	Certainly, sir. I'll just check today's exchange rate.

Questo esercizio è disponibile anche puramente nella versione udita/orale:

Where has the man been?
a.
b.
c.

[?]
Why was he there? Was he:
a.
b.
c.

[?]
What can the cashier change?
a.
b.
c.

[?]
Has the exchange rate gone down, or up?
a.
b.
c.

[?]

Esercizio 3: Domande a scelta multipla

Scegli la risposta corretta.

Registrazione:

Trascrizione:

Cashier	Good morning, madam.
Woman	Good morning. I'd like to open an account, please.
Cashier	Certainly, madam. Do you live here in Manchester?
Woman	Yes, I'm studying economics at the university.
Cashier	What sort of account would you like?
Woman	I don't know. A current account, I suppose.
Cashier	Well, we can open a current account for you of course, but we usually recommend students to have a special deposit account.
Woman	Oh, why's that?
Cashier	With a deposit account you get a better rate of interest, and you can still take money out when you want.
Woman	But I can't have a cheque-book, right?
Cashier	Yes, that's right.

Questo esercizio è disponibile anche puramente nella versione udita/orale:

Where is the bank?
a.
b.
c.

[?]
What is she studying at university there?
a.
b.
c.

[?]
What kind of account does the cashier recommend?
a.
b.
c.

[?]
What's the disadvantage of a deposit account?
a.
b.
c.

[?]

Esercizio 4: Domande a scelta multipla

Scegli la risposta corretta.

Registrazione:

Trascrizione:

Ivan is from Kazakhstan and is now living in Spain. He doesn't know what to do with all his money so he asks his Spanish friend for some information. His friend Pepe tells him that he can put his money in a bank account to earn interest, or he can buy shares on the Stock Exchange. He explains that there are different kinds of account, and that different banks offer different interest rates on the money in your account and also on loans when they lend you money. He also tells him about the most popular credit cards - Visa, Mastercard and American Express - and how you can usually use your credit card to get cash from an ATM.

Questo esercizio è disponibile anche puramente nella versione udita/orale:

Where is Ivan from?
a.
b.
c.

[?]
Ivan doesn't know what to do with:
a.
b.
c.

[?]
One of the credit cards that Pepe recommends is:
a.
b.
c.

[?]
When a bank gives you a loan, you have to:
a.
b.
c.

[?]

Comprensione generale

Esercizio 1: Vero/Falso

Per ogni espressione sottomenzionata scegli se è vera o falsa.

Esercizio 2: Completamento della frase

Esercita il parlare. Dopo aver udito il testo completa le frasi secondo l'esempio.

Esercizi di grammatica

Esercizio 1: Sostituzione

A polite way to ask for something is with the expression "I'd like ...". Let's practise this.

Esercizio 2: Sostituzione

The question corresponding to "I'd like ..." is "Would you like ...". Let's practise.

Esercizio 3: Trasformazione

In American English, people always use "Do you have ... ?". In British English, people often use "Have you got ...?". Let's practise.

Esercizio 4: Cosa è corretto

Scegli la risposta corretta.

Esercizi riepilogativi

Esercizio 1: Vero/Falso

Per ogni espressione sottomenzionata scegli se è vera o falsa.

Registrazione:

Trascrizione:

There are several different kinds of banks. National central banks control and supervise the financial system in their country. In the European Union the national central banks of the euro zone are now controlled and supervised by the European Central Bank in Frankfurt.

Other types of bank specialise in different services or in a particular region or a particular type of economic activity such as agriculture or industry.

Commercial banks and savings banks receive and hold deposits in current accounts, savings accounts and deposit accounts, make payments for their customers, lend money, and offer investment advice, foreign exchange facilities, and so on. Many banks nowadays also offer online banking services.

Some banks only have branches in one region or country; large international banks have branches in many countries.

What they all have in common, however, is that they make a profit from the difference between the interest rates they pay on deposits and the interest rates they charge on loans, and of course from the commissions they charge for their services.

Questo esercizio è disponibile anche puramente nella versione udita/orale:

All banks offer the same services.

[?]
Central banks in the euro zone are supervised by the European Central Bank.

[?]
The European Central Bank is in Germany.

[?]
There are no banks that specialise in services to agriculture.

[?]
All banks nowadays offer online banking services.

[?]
Some banks only have branches in one region or country.

[?]
The interest that banks pay a customer is higher than the interest they charge.

[?]
Banks charge their customers for their services.

[?]

Esercizio 2: Dettato

Prima ascolta l'intera registrazione. Dopo passa nella casella d'ingresso di testo, premi il pulsante ‘>’ per ripetere il dettato passo dopo passo e scrivi il testo. Maggiori informazioni troverai nell'aiuto per l'esercizio.

Esercizio 3: Completamento delle risposte

Ascolta attentamente la registrazione dopodiché completa gli spazi vuoti nel testo sottoriportato usando le parole uguali.

Registrazione:

Trascrizione:

Commercial banks and savings banks receive and hold deposits [?] current accounts, savings accounts and deposit accounts, make payments [?] their customers, lend money, [?] offer investment advice, foreign exchange facilities, and so on. [?] banks nowadays also offer online banking services. [?] banks only have branches in one region or country; large international banks have [?] in many countries.

What they all have in common, [?], is that they make a profit from the difference [?] the interest rates they pay on deposits and the interest rates they charge [?] loans, and of course from the commissions they charge [?] their services.

Esercizio 4: Completamento a scelta

Scegli la possibilità più appropriata per completare ciascuna delle seguenti frasi.

Questo esercizio è disponibile anche puramente nella versione udita/orale:

If you want to send money to somebody, you can ____ a transfer.
a.
b.
c.

[?]
John Barker has just come back from a business ____ to Japan.
a.
b.
c.

[?]
Hello. I'd like to change this money ____ euros, please.
a.
b.
c.

[?]
We can change the banknotes, but not the ____ .
a.
b.
c.

[?]
What ____ account would you like to open?
a.
b.
c.

[?]
With a deposit account, you get a better ____ of interest.
a.
b.
c.

[?]
A mortgage is a kind of ____ .
a.
b.
c.

[?]
When a bank gives you a loan, they normally ____ interest.
a.
b.
c.

[?]
Would you like to pay ____ transfer or credit card?
a.
b.
c.

[?]
Has the exchange rate gone ____ , or down?
a.
b.
c.

[?]
Ivan asked his friend for ____ information.
a.
b.
c.

[?]
Pepe ____ him about banks.
a.
b.
c.

[?]
If you put your money in a deposit account, it ____ interest.
a.
b.
c.

[?]
Mary is studying Economics ____ Manchester University.
a.
b.
c.

[?]
Can you use your credit card to get ____ from an ATM?
a.
b.
c.

[?]
You can invest your money by buying ____ on the Stock Exchange.
a.
b.
c.

[?]
Big banks usually have a lot of ____ .
a.
b.
c.

[?]
If you want to check your account, you can ask your bank for a ____ .
a.
b.
c.

[?]
Do you get a ____ when you pay with a credit card?
a.
b.
c.

[?]
The person who can give you cash or take your cash in the bank is called a ____ .
a.
b.
c.

[?]

Elenco di controllo

Dopo aver finito questa lezione dovresti essere in grado di:

usare il lessico e le terminologie relative al settore bancario