English Banks

Тема: English Banks

Цель урока:

учебная – совершенствование лексических навыков по теме «Various services of banks»; формирование лексических навыков по текущей теме;

            познавательная – понятие об английском банке.

Тип урока: комбинированный

1. Вопросы по теме «Various services of banks»

1. In what cases does the bank open a current account? What does should a person present to open a bank account?
2. Should a customer pay for a cheque book?
3. How can a customer use a cheque book?
4. When should you open a deposit account? Can you withdraw your money from a time deposit account any day you need it?
5. What is a saving account?
6. What other services do banks provide?

2. Диктант

Our bank opens current accounts only to reliable persons. A new depositor presents a reference from his employers. If he doesn’t do that, we don’t open an account to him. We issue cheque books free of charge. If the customer receives a cheque book, he can order the banker to pay out sums of money from his current account as often as he finds it convenient. Our bank also opens deposit and savings accounts. We discount bills of exchange, issue credit cards, grant loans, exchange foreign currency. We can check the financial standing and creditworthiness of our customers for other banks.

3. Видеосюжет по банкам

1. What is an ATM?
2. What should you do to take money out of the ATM?
3. How can you translate tellers?
4. What is the name of a branch manager? (Mrs. Martinez)
5. When can you have a bank account?
6. What two types of bank accounts do you know? (checking and savings accounts)
7. What is a checking account for?
8. What is a savings account for?
9. What do you write on the check?
10. How should you write cents?
11. What is a signature?
12. What is a deposit? a withdrawal?

4. Новые слова по теме «English Banks»

5. Приведите в соответствие английские и русские эквиваленты.

6. Составить по одному вопросу с новыми словами – отвечать на вопросы всей группой.

7. Резюмировать информацию об английском банке.

8. Прочитать текст "English Banks”

Today the British banking is a complicated tripartite system like a three-layer cake. They system is headed by the Bank of England.

The Bank was established under a royal charter in 1694. The head of the Bank is Governor of the Bank appointed by the Queen on the recommendation of the Prime Minister. The Queen also appoints Deputy Governor and the Court of Directors, which consists of 16 directors.

The Bank of England is a central bank or a national bank. It controls the British banking system, issued banknotes and mints coins. It lends and borrows money for the government, manages the national debt and is in the control of the nation’s gold reserve. The other two layers are:

• the commercial or joint stock clearing banks
• specialized banking institutions such as the discount houses and merchant banks.

The commercial or joint-stock banks deal with the general public. The four large English commercial banks are known as the Big Four. They are Barclays, Lloyds, the Midland, and the National Westminster. together they have upwards of 10,000 branches. Commercial banks render various services to companies and individuals. Some of the services are:

• to receive or accept from their customers the deposit of money
• to collect and transfer money both at home and abroad against deposit and current accounts
• to provide overdrafts to both personal and business customers
• to lend loans to their customers
• to exchange money
• to supply economic information and to prepare economic reviews to be published
• to make foreign exchange transactions, including spot transactions, forward transactions and swap transactions
• to issue various banker’s cards

Merchant banks and discount houses deal only with special customers providing funds for special purposes. They accept commercial bills of exchange and offer quite a lot of financial services. They provide advisory services about new issued of securities, mergers, take-overs and reorganizations. They also arrange financing for their customers and provide fund-management services.

Besides there is a big group of banks in the United Kingdom made up of foreign banks. All the major foreign banks are represented in the UK by subsidiary, branch, representative offices or consortium. They provide finance both in sterling and in other currencies and offer a wide range of financial services.

Lombard Street is the symbol of British banking. This is the place where the first bankers coming from Italy settled.

*Barclays Bank – 300 лет, спонсор английской премьер-лиги (футбол)

*Midland Bank – часть финансовой корпорации HSBC (гонконгско-шанхайская банковская корпорация), учрежденной в Гонконге (Hong Kong). Все операции корпорация осуществляет в Азии, в странах третьего мира (поэтому ее мало кто знает), чтобы снизить себестоимость услуг. Например, в ходе подготовки экспансии банковских услуг на французском рынке, открыла операционный центр во Вьетнаме как бывшей фр. полонии (вьетнамцы хорошо говорят по-французски). Сделали деньги на торговле опиумом. Девиз: осторожность, бережливость, осмотрительность. Есть отделение в Москве.

9. Переведите на английский язык.

1. Сегодня Британская банковская система – сложная система, похожая на трехслойный пирог.

2. Банк Англии – глава британской банковской системы.

3. Кто учредил этот банк?

4. Королева назначила управляющего банка, заместителя управляющего, совет директоров по рекомендации премьер-министра.

5. Банк Англии контролирует британскую банковскую систему?

6. Где банк Англии печатает монеты и выпускает банкноты?

7. В то время банки активно расширялись.

8. Управляющие и их заместители обсуждали проблемы банка, когда произошел этот инцидент.

9. В настоящее время совет директоров обсуждает проблему слияние с финансовой корпорацией HSBC.

10. Завтра в это время акционерные банки будут учитывать векселя.

10. Грамматика

11. Домашнее задание

1. Выучить слова
2. Уметь рассказывать про Банк Англии, услуги коммерческих и торговых банков по ключевым словам.