контрольная английский язык 2 вариант 13002
Вариант №2
I. Прочитайте и письменно переведите на русский язык следующий текст, ответьте письменно на вопросы.
Bank Accounts
There are two general reasons for using a bank account. The first and most common are the convenience and safety provided by a current account at a bank. The second is that small and perhaps regular surpluses are available to be saved, and for this purpose a bank provides deposit accounts.
A deposit account will not offer a high rate of interest and would not be the best way to save large sums of money for any long period of time, but it is designed to make saving simple, convenient and safe. It is especially appropriate for those who may save small amounts from time to time without any planned regularity or for those who wish to save for a particular purpose in the immediate future, for example for annual holidays or for the purchase of a major item such as a car.
Most customers of a bank who have opened a deposit account will also have a current account and this makes the transfer of amounts of money from one to the other an easy matter. Regular payments into a deposit account can be made through a standing order to the bank that will automatically transfer the agreed amount according to your instructions.
Other payments are made on standard forms but it is most convenient and provides a useful record if the depositor uses a paying in book. Interest is calculated every six months and added to the account. The rate of interest varies from time to time and is publicly advertised in any bank. Because the bank uses money deposited with them to lend to others it normally requires about seven days notice of intention to withdraw money from a deposit account, but unless there is a heavy demand for money they are not likely to insist on this and cash is often immediately available to those who wish to withdraw it. There is an assumption that such notice was given and you would lose seven day's interest on the money.
The increasing need for security and the use of computers in wage payments have combined to make it more common to have a bank account than to be without one. This kind of account is a current one and its most common use is a single regular payment in either a weekly wage or a monthly salary and regular payments out to meet the normal everyday expenses.
Most payments are still made by cheque although the use, of the standing order or the direct debit is becoming very common. It is normally expected that a current account will remain in balance and customers who regularly maintain an agreed minimum balance are often given the services of the bank without charge. In general, however, charges are made which vary with the size of the balance, the amount of use of the bank's services and the number of transactions. If the account is overdrawn a further charge, which is interest on the overdrawn amount, is also made. ,
II. Вопросы.
1. What are the two main reasons for opening a bank account?
2. Which type of account is used by those who wish to save?
3. What kind of saving is this type of account most suited to?
4. What is a standing order?
5. Why does a bank sometimes need notice of intention to withdraw money from saving accounts?
III. Выполните лексико-грамматический тест.
Инструкция: закончите предложения, выбрав один из предложенных вариантов. Объясните употребление каждого случая (письменно) на русском языке.
1. If I ___ my entrance exams I ___ the happiest man in the world.
A) pass / shall be B) passed / am
C) passed / would have been
D) will pass / be
E) shall pass / would be
2. What ___ you ___ if the train ___ in time?
A) will / do / doesn’t come
B) did / will not come
C) do / didn’t / come
D) have / done / came
E) will be / doing / come
3. If you ___ tickets we ___ Paris.
A) buy / shall visit
B) bought / visit
C) buys / visited
D) were buying / should visit
E) will buy / shall visit
4. If you are free, watch the film they ___ on TV.
A) shows
B) are showing
C) showed
D) had showed
E) have showed
5. If my friend ___ to our town next year I ___ him the sights of the city.
A) shall come / show
B) has come / is showing
C) comes / shall show
D) is coming / will show
E) come / shows
6. If he ___ in Tokyo he ___ us.
A) were / would visit
B) was / will visit
C) will be / will visit
D) is / would visit
E) are / will visit
7. What would you do if a millionaire ___ you a lot of money.
A) gave
B) give
C) will give
D) giving
E) gives
8. If I ___ the car myself I ___ you use it.
A) didn’t need / wouldn’t let
B) don’t need / would let
C) needed / would let
D) didn’t need / would let
E) doesn’t need / would let
9. My family is trying _____ where to go on holiday.
A) decided
B) decide
C) to decide
D) deciding
10. I’d like _____ somewhere different for a change.
A) to go
B) went
C) go
D) going
11. They prefer _____ in a swimming pool all day.
A) to play
B) plays
C) playing
D) to playing
12. They refuse _____ out on trips if it’s too hot.
A) to going
B) go
C) going
D) to go
13. Last year we managed _____ a holiday that suited everyone.
A) found
B) to find
C) find
D) finding
14. We decided _____ a house with a swimming pool.
A) to rent r
B) rent
C) to renting
D) enting
15. We began _____ about next year’s holiday two months ago.
A) talked
B) talking
C) talks
D) talk
16. He says, “You are right.”
a) he says I was right
b) he says which I right
c) he says that I am right
d) he said I are right
17. She says to him, “I have a right to know.”
a) she tells him that she would have a right to know
b) she tell him she have a right to know
c) she says him she has a right to know
d) she tells him that she has a right to know
18. We said to them, “We have no money.”
a) we told them that we have no money
b) we told them we have no money
c) we told them that we had no money
d) we told to them that we had no money
19. He said, “I have changed my opinion.”
a) he said that he had changed his opinion
b) he said that he have changed his opinion
c) he said that he would have changed his opinion
d) he said that he changed his opinion
20. He said, “I will bring you a book tomorrow”.
a) he said that he will bring me a
b) he said that he would bring me a book the next day book the next day
c) he said that he brings me a book tomorrow
d) he said that he would bring me a book tomorrow
21. Capital
a. A sum of money paid to a shareholder out of profits in relation to his investment
b. An account in a bank on which the depositor receives interest.
c. The money value of the shareholders stake in the bank or company.
22. Dividend
a. The money value of the shareholders stake in the bank or company.
b. Sum of money paid to a shareholder out of profits in relation to his investment
c. An account in a bank on which the depositor receives interest.
23. Retained profits
a. Profits not paid out as dividends and added to the surplus.
b. The money value of the shareholders stake in the bank or company
c. An account in a bank on which the depositor receives interest.
24. The service operations of a small bank usually are monitored by …
a. A Director
b. A cashier
c. Shareholders
25. The most common means of payment is the…
a. Cheque
b. Bill
c. Cash
26. Deposit account is…
a. An account in a bank on which the depositor receives interest.
b. A sum of money paid to a shareholder out of profits in relation to his investment
c. An account in a bank from which money can be drawn by cheque.
27. Cheque … a legal tender.
a. Is
b. Doesn’t
c. Isn’t
28. Banks make their … by lending the money
a. Profits
b. Cheques
c. Bills.
29. Banks may be defined as firms producing and selling …
a. Banking services
b. Common services
c. Financial services
30. Net worth
a. Overhead costs
b. Net profit
c. Sample
d. Equity capital
IV. Прочитайте и письменно переведите на русский язык следующий текст. Составьтеписьменно 4 типавопросовпотексту.
Negotiation of bills
Obtaining an advance against bills is useful only when a limited amount of extra finance is required, the rest being covered by existing resources. If an exporter requires more finance in the short-term, an alternative method is to establish a facility for bill negotiation. The exporter’s bank agrees to purchase bills (usually accompanied by the shipping documents) on presentation. The bank may even simply purchase the documents under a cash against documents collection. The bank then sends the bills for collection to the overseas buyer and reimburses itself when the buyer pays. If the buyer defaults, the bank has recourse to the exporter, charging interest for the credit period any collection fees. A cheaper rate of interest is available to exporters holding ECGD insurance, and normally the exporter assigns the ECGD policy over to the bank as security.