Lecţia 3: English for Finance and Banking

Scopurile şi obiectivele

În această lecţie veţi învăţa lexicul practic din domeniul financiar şi bancar.

Veţi exersa următoarele cunoştinţe şi aptitudini:

descrierea funcţiilor bancare de bază
modalitatea de plată

Această lecţie se concentrează gramatical pe:

Lexic

Termeni

	cont
	număr de cont
	sumă
	bancomat
	sold
	bancă
	speze bancare
	bancnotă
(U.S.)	adeverinţă
	sucursală, filială
	numerar
	casier
(U.S.)	cec
(U.S.)	cont curent
(British)	cec
	carte de economii
	monedă
	comision, provizion
	carte de credit
(British)	cont curent
	cont de depozit
	curs de schimb
	valută
	dobândă
	rata dobânzii
	investiţie
	împrumut
	centrală
	bani
	ipotecă
	profit, venit
	rată
	adeverinţă
	cont de economii
	acţiune, hârtie de valoare
	semnătură
	extras de cont
	burză
	a plăti
	a câştiga
	a investi
	a împrumuta
	a efectua un transfer bancar
	a plăti
	a semna
	a transfera

Fraze

	Vă rugăm să completaţi următorul formular.
	Aş dori să schimb bani în euro, vă rog.
	Aş dori să introduc bani în contul meu, vă rog.
	Aş dori să retrag bani din contul meu, vă rog.

Exersarea lexicului

Exerciţiul 1: Exersarea cuvintelor

Completaţi traducerea corectă pentru fiecare dintre termenii următori.

valută [?]
cont de economii [?]
Vă rugăm să completaţi următorul formular. [?]
speze bancare [?]
bani [?]
împrumut [?]
adeverinţă [?]
carte de economii [?]
a câştiga [?]
rată [?]
bancomat [?]
cec [?]
centrală [?]
Aş dori să introduc bani în contul meu, vă rog. [?]
Aş dori să retrag bani din contul meu, vă rog. [?]
număr de cont [?]
comision, provizion [?]
profit, venit [?]
acţiune, hârtie de valoare [?]
investiţie [?]
cont curent [?]
sucursală, filială [?]
a efectua un transfer bancar [?]
a semna [?]
a plăti [?]
dobândă [?]
rata dobânzii [?]
a transfera [?]
casier [?]
cont [?]
cont de depozit [?]
cont curent [?]
cec [?]
a împrumuta [?]
monedă [?]
bancă [?]
ipotecă [?]
curs de schimb [?]
bancnotă [?]
a investi [?]
adeverinţă [?]
numerar [?]
burză [?]
a plăti [?]
sumă [?]
extras de cont [?]
semnătură [?]
carte de credit [?]
sold [?]
Aş dori să schimb bani în euro, vă rog. [?]

Exersarea auditivă

Exerciţiul 1: Întrebări cu variante multiple de răspunsuri

Selectaţi răspunsul corect.

Înregistrare:

Transcriere:

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.

Acest exerciţiu este disponibil şi în formă pur auditiv/orală:

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.

[?]

Exerciţiul 2: Întrebări cu variante multiple de răspunsuri

Selectaţi răspunsul corect.

Înregistrare:

Transcriere:

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.

Acest exerciţiu este disponibil şi în formă pur auditiv/orală:

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.

[?]

Exerciţiul 3: Întrebări cu variante multiple de răspunsuri

Selectaţi răspunsul corect.

Înregistrare:

Transcriere:

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.

Acest exerciţiu este disponibil şi în formă pur auditiv/orală:

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.

[?]

Exerciţiul 4: Întrebări cu variante multiple de răspunsuri

Selectaţi răspunsul corect.

Înregistrare:

Transcriere:

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.

Acest exerciţiu este disponibil şi în formă pur auditiv/orală:

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.

[?]

Înţelegere generală

Exerciţiul 1: Adevărat/Fals

Pentru fiecare dintre situaţiile de mai jos, alegeţi Adevărat sau Fals.

Exerciţiul 2: Terminarea propoziţiilor

Exersaţi-vă conversarea. După pornirea înregistrării terminaţi propoziţiile pe care le auziţi conform modelului.

Exersarea gramaticii

Exerciţiul 1: Substituţie

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

Exerciţiul 2: Substituţie

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

Exerciţiul 3: Transformare

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

Exerciţiul 4: Ce este corect

Selectaţi răspunsul corect.

Consolidare

Exerciţiul 1: Adevărat/Fals

Pentru fiecare dintre situaţiile de mai jos, alegeţi Adevărat sau Fals.

Înregistrare:

Transcriere:

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.

Acest exerciţiu este disponibil şi în formă pur auditiv/orală:

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.

[?]

Exerciţiul 2: Dictare

Listen to the complete recording first. Then go to the textbox and use the ‘>’ key to listen to the text section by section. Type what you hear into the textbox. For detailed instructions, read the Exercise Help.

Exerciţiul 3: Completarea

Ascultaţi cu atenţie înregistrarea şi apoi completaţi spaţiile goale din textul de mai jos, folosind aceleaşi cuvinte.

Înregistrare:

Transcriere:

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.

Exerciţiul 4: Completare prin selectare

Selectaţi cea mai potrivită posibilitate pentru completarea fiecăreia dintre propoziţiile următoare.

Acest exerciţiu este disponibil şi în formă pur auditiv/orală:

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.

[?]

Lista de control

După terminarea acestei lecţii ar trebui să fiţi capabili să:

folosiţi vocabularul şi termeni din domeniul bancar