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НазваниеШевелева С. А. Ш37 Деловой английский. Ускоренный курс Учебник
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Unit twenty

Banking


Text

The next day the session was devoted to the United Kingdom

Banking Sector.

Here is the short summary of the lecture:

The UK Banking Sector

Retail Banks

21

Discount Houses

8

British Merchant Banks

31

Other British Banks

167

American Banks

44

Japanese Banks

29

Other Overseas Banks

290

Total

590

In addition there are 92 Building Societies




  • Retail Banks: They render numerous services for private customers and have extensive branch networks in the UK. They participate dnectly in the UK clearing system.

  • Discount Houses: They are mostly engaged in discounting bills of exchange for the corporate sector.

  • British Merchant Banks: These are wholesale banks handling big money for private and corporate customers. They are engaged in mergers, take-overs and acquisitions. They also provide consulting services.

  • Other British Banks: Comprise all other UK registered banking institutions and certain banks in the Channel Islands and the Isle of Man. They are controlled by UK companies or individuals.

  • American Banks: Comprise the branches and subsidiaries of US banks.

  • Japanese Banks: Comprise the branches and subsisdiaries of banks based in Japan.

  • Overseas Banks: Comprise the branches and subsidiaries of non- American or non- Japanese banks and Consortium banks. These are jointly owned by other financial institutions, one of which must be based overseas.

  • Building Societies: In the past they mostly extended mortgage loans, but nowadays they also widely practice taking in deposits and they practically operate as banks.

Words and expressions

twenty




двадцать (числ.)

banking




банковское дело

The lecture was devoted to banking.



Лекция была посвящена банковскому делу

retail




розничный

retail bank




банк, обслуживающий мелких клиентов

discount




скидка; учет (векселей)

discount house




учетный дом — фир­ма/банк, занимающийся учетом векселей и опера­циями на денежном рынке

merchant

['mtnt]

купец

merchant bank




торговый банк — банк, специализирующийся на финансировании внеш­ней торговли, а также на операциях на рынке ка­питалов, организации слияний и поглощений фирм и предприятий, различных консультаци­онных услугах

thirty one




тридцать один (числ.)

one hundred and sixty seven




сто шестьдесят семь (числ.)

Japanese

[,pnz]

японский

overseas



за морем, зарубежом, за границей

two hundred and ninety




двести девяносто (числ )

total




общий, итоговый; итог, итого

five hundred and ninety




пятьсот девяносто (числ )

to build (built, built)

[bld, blt]

строить

society

[s'sat]

общество

building society




строительное общество — учреждение, специализи­рующееся на привлече­нии сбережений населе­ния и кредитовании жи­лищного строительства

to render




оказывать

numerous

['njmrs]

многочисленный

services




услуги

extensive




обширный

branch




отделение, ветвь

networks

['netwks]

сеть

branch networks




сеть отделений

extensive branch net­works




разветвленная, широкая сеть отделений

to participate




участвовать

clearing



клиринг — расчеты путем взаимного зачета требо­ваний (платежей)

clearing system




клиринговая система

to be engaged in something




заниматься чем-либо

to discount




учитывать

bill




вексель, банкнота, доку­мент о признании долга

to discount bills




учитывать вексели

bill of exchange



переводный вексель — при­каз выплатить предьявите­лю определенную сумму

corporate




корпоративный — отно­







сящийся к компаниям

wholesale

['houlsel]

оптовый

wholesale bank



оптовый банк — банк, специализирующийся на крупных операциях

money




деньги

merger




слияние двух или более компаний для образова­ния одной новой

take-over



поглощение одной ком­панией другой (часто во­преки ее желанию)

acquisition

[,kw'zn]

приобретение

to comprise




включить

certain




определенный

the Channel




пролив Ла-Манш

island




остров

Isle of Man




остров Мэн

subsidiary

[sb'sdjr]

филиал

to be based




находиться

consortium




консорциум

jointly




совместно

to own




владеть

to be owned by somebody




находиться во владении кого-либо

to extend




простираться

loan




кредит

to extend a load




предоставлять кредит

mortgage

['m]

ипотека, ипотечный кре­дит — передача кредитору права на недвижимость в качестве залога за полу­ченную ссуду

nowadays




сейчас

widely




широко

to practice doing some­thing




использовать практику чего-либо

deposit




депозит — 1) вклад денег в кредитном учреждении; 2) краткосрочная меж­банковская ссуда

to take in deposits




принимать депозит

to operate




работать; управлять

to operate as banks




работать как банк


Exercises

1. Read the following:

• the next day

in the past other banks

• the Channel Islands

the Isle of Man

the United Kingdom

the corporate sector


• They are engaged in mergers.

They are engaged in take-overs.

They are engaged in acquisitions.

They are mostly engaged in discounting bills.

• Here is the short summary of the lecture.

There are ninety-two building societies in the UK.

These are wholesale banks.

2. Find answers in the text and read these sentences:

To what topic was the lecture devoted?

How many retail banks are there in Britain?

How many discount houses are there?

How many merchant banks are there?

How many other British banks are there?

What foreign banks are located in the UK?

How many building societies are there in Britain?

2. Translate into Russian:

• banking

• merchant banks

banking sector

overseas banks

retail banks

building societies

discount houses

clearing system

to discount bills

acquisition

private customer

consulting services

corporate customer

branch

corporate sector

subsidiary

merger

mortgage

take-over

mortgage loan


4. Match terms and definitions:

retail banks

banks extending mortgage loans, taking in deposits and providing other banking services

discount houses

banks serving private customers

merchant banks

banks serving private and corporate customers with big money

building societies

banks discounting bills of exchange


5. Complete as in the text:

There are a few types of foreign banks based in Britain. They are American, Japanese and other overseas banks.

American banks ...

Japanese banks ...

Overseas banks ...

6. Insert articles:

... next day ... session was devoted to ... United Kingdom Banking Sector. Here is ... short summary of... lecture.

... UK Banking Sector comprises retail banks, discount houses, merchant banks, foreign banks, building societies and other banks.

7. Insert prepositions:

Retail banks render numerous services ... private customers and have extensive branch networks ... the UK. They participate directly ... the UK clearing system.

Merchant banks are wholesale banks. They handle big money ... private and corporate customers. They are engaged ... mergers, take­overs and acquisitions.

8. Complete the sentences:

Discount houses are mostly engaged in discounting ...

American banks comprise the branches ...

Japanese banks comprise ...

In the past British building societies mostly extended mortgage ... but nowadays they also ... as banks.

9. Underline the verbs and translate the sentences into Russian:

Other British banks comprise all other banking institutions regis­tered in the UK and banks in a few islands. They are controlled by UK companies or individuals. Overseas banks are foreign banks ex­cluding (исключая) American and Japanese banks. They comprise the branches and subsidiaries of those banks and Consortium banks too. All these banks are owned by other financial institutions. One of the owners of every bank must be based overseas.

10. Role play:

Imagine you are the lecturer. Speak on the types of banks in Great Britain.

11. Agree or disagree:

Types of banks in Russia are similar to those in Great Britain.

12. Say what you know about commercial banks in Russia.
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