Rozdział 3: English for Finance and Banking

Założenia i Cele

W tym rozdziale będziesz ćwiczył i uczył się słownictwa związanego z finansami i bankowością.

Będziesz ćwiczył:

opisywanie działalności w banku
systemów płatniczych

Gramatyka w tym rozdziale:

Słownictwo

Terminy

	rachunek
	numer konta
	suma
	bankomat
	bilans
	bank
	opłaty bankowe
	banknot
(U.S.)	rachunek
	gałąź
	gotówka
	kasjer
(U.S.)	czek
(U.S.)	konto czekowe
(British)	czek
	książeczka czekowa
	moneta
	komisja
	karta kredytowa
(British)	rachunek bieżący
	konto depozytowe
	kurs wymiany
	obca waluta
	odsetki
	stopa procentowa
	inwestycja
	pożyczka
	główne biuro
	pieniądze
	zastaw hipoteczny
	zysk
	stawka
	recepta
	rachunek oszczędnosciowy
	akcje
	podpis
	stwierdzenie
	giełda
	zrealizować czek
	zarabiać
	inwestować
	pożyczać
	wykonać przelew
	płacić
	podpisać
	przelać

Wyrażenia

	Prosze wypełnić formularz
	Chciałbym wymienić pieniądze na euro.
	Chciałbym wpłacić pieniądze na konto.
	Chciałbym wyciągnąć pieniądze z konta.

Ćwiczenia dotyczące słownictwa

Ćwiczenie 1: Przetestuj się

Przetłumacz poniższe terminy.

obca waluta [?]
rachunek oszczędnosciowy [?]
Prosze wypełnić formularz [?]
opłaty bankowe [?]
pieniądze [?]
pożyczka [?]
recepta [?]
książeczka czekowa [?]
zarabiać [?]
stawka [?]
bankomat [?]
czek [?]
główne biuro [?]
Chciałbym wpłacić pieniądze na konto. [?]
Chciałbym wyciągnąć pieniądze z konta. [?]
numer konta [?]
komisja [?]
zysk [?]
akcje [?]
inwestycja [?]
rachunek bieżący [?]
gałąź [?]
wykonać przelew [?]
podpisać [?]
zrealizować czek [?]
odsetki [?]
stopa procentowa [?]
przelać [?]
kasjer [?]
rachunek [?]
konto depozytowe [?]
konto czekowe [?]
czek [?]
pożyczać [?]
moneta [?]
bank [?]
zastaw hipoteczny [?]
kurs wymiany [?]
banknot [?]
inwestować [?]
rachunek [?]
gotówka [?]
giełda [?]
płacić [?]
suma [?]
stwierdzenie [?]
podpis [?]
karta kredytowa [?]
bilans [?]
Chciałbym wymienić pieniądze na euro. [?]

Rozumienie ze słuchu

Ćwiczenie 1: Pytania wielokrotnego wyboru

Wybierz poprawną odpowiedź.

Nagranie:

Transkrypcja:

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.

To ćwiczenie może zostać wykonane przez słuchanie/przez mówienie:

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.

[?]

Ćwiczenie 2: Pytania wielokrotnego wyboru

Wybierz poprawną odpowiedź.

Nagranie:

Transkrypcja:

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.

To ćwiczenie może zostać wykonane przez słuchanie/przez mówienie:

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.

[?]

Ćwiczenie 3: Pytania wielokrotnego wyboru

Wybierz poprawną odpowiedź.

Nagranie:

Transkrypcja:

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.

To ćwiczenie może zostać wykonane przez słuchanie/przez mówienie:

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.

[?]

Ćwiczenie 4: Pytania wielokrotnego wyboru

Wybierz poprawną odpowiedź.

Nagranie:

Transkrypcja:

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.

To ćwiczenie może zostać wykonane przez słuchanie/przez mówienie:

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.

[?]

Generalne rozumienie

Ćwiczenie 1: Zdania Prawda/Fałsz

Dla każdego zdania poniżej, wybierz Prawda/Fałsz.

Ćwiczenie 2: Dokańczanie zdania

Mówienie. Dokończ usłyszane zdania, wzoruj się na modelu.

Ćwiczenia z gramatyki

Ćwiczenie 1: Podstawianie

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

Ćwiczenie 2: Podstawianie

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

Ćwiczenie 3: Przekształcanie

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

Ćwiczenie 4: Wybieranie

Wybierz poprawną odpowiedź.

Utrwalenie

Ćwiczenie 1: Zdania Prawda/Fałsz

Dla każdego zdania poniżej, wybierz Prawda/Fałsz.

Nagranie:

Transkrypcja:

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.

To ćwiczenie może zostać wykonane przez słuchanie/przez mówienie:

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.

[?]

Ćwiczenie 2: Dyktando

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.

Ćwiczenie 3: Wstawianie brakujących części zdania

Odsłuchaj uważnie nagrania, a następnie wypełnij luki w tekście poniżej, używając tych samych słów.

Nagranie:

Transkrypcja:

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.

Ćwiczenie 4: Wypełnianie luk

Wybierz odpowiednią opcje aby wypełnić luki w zdaniach.

To ćwiczenie może zostać wykonane przez słuchanie/przez mówienie:

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.

[?]

Wykaz

Use the following list to check whether you have obtained full benefit from this unit. You should be able to:

use vocabulary and terms related to banking

Skorzystaj z poniższej listy aby sprawdzić czy w pełni skorzystałeś z tego rozdziału. Powinieneś:

używać terminów związanych z bankowością