ФГБОУ ВПО «ОГИС»
КОЛЛЕДЖ «ОРИЕНТИР»
| УТВЕРЖДАЮ Директор колледжа _______________ Л.П. Славгородская «_____» ____________________20__г. |
Фонд оценочных средств УЧЕБНОЙ ДИСЦИПЛИНЫ
ОГСЭ.03 Иностранный язык (английский)
Фонд оценочных средств учебной дисциплины английский язык разработан на основе Федерального государственного образовательного стандарта (далее – ФГОС) по специальности среднего профессионального образования 38.02.07 Банковское дело
Организация – разработчик: ФГБОУ ВПО «ОГИС»
Разработчики:
___________________ / _____________ /
___________________ / _____________ /
Рецензент:
___________________ / _____________ /
Рассмотрено и одобрено
на заседании педагогического совета колледжа
Протокол №___ от «___»________________20___
Председатель _________ / ___________/
Содержание
| Пояснительная записка………………………………………………………. | |
| Паспорт фонда оценочных средств………………………………………….. | |
| Приложения…………………………………………………………………… |
ПОЯСНИТЕЛЬНАЯ ЗАПИСКА
Фонд оценочных средств учебной дисциплины Английский языкразработан на основании:
· Письма Минобрнауки России от 17.03.2015 N 06-259 О направлении доработанных рекомендаций по организации получения среднего общего образования в пределах освоения образовательных программ среднего профессионального образования на базе основного общего образования с учетом требований федеральных государственных образовательных стандартов и получаемой профессии или специальности среднего профессионального образования
· Федерального государственного образовательного стандарта по специальности среднего профессионального образования (далее – СПО), 38.02.07 Банковское дело
| Код и наименование специальности | Максимальная учебная нагрузка (всего) | Самостоя тельная работа обучающе гося (всего) | Обязательная аудиторная учебная нагрузка (всего) | ||
| всего | теор | Практ. занятия | |||
| 38.02.07 Банковское дело | - |
Общеучебная дисциплина ОГСЭ.03 Английский язык способствует формированию следующих компетенций:
ОК 1. Понимать сущность и социальную значимость своей будущей профессии, проявлять к ней устойчивый интерес.
ОК 2. Организовывать собственную деятельность, выбирать типовые методы и способы выполнения профессиональных задач, оценивать их эффективность и качество.
ОК 3. Принимать решения в стандартных и нестандартных ситуациях и нести за них ответственность.
ОК 4. Осуществлять поиск и использование информации, необходимой для эффективного выполнения профессиональных задач, профессионального и личностного развития.
ОК 5. Использовать информационно-коммуникационные технологии в профессиональной деятельности.
ОК 6. Работать в коллективе и команде, эффективно общаться с коллегами, руководством, потребителями.
ОК 7. Брать на себя ответственность за работу членов команды (подчиненных), результат выполнения заданий.
ОК 8. Самостоятельно определять задачи профессионального и личностного развития, заниматься самообразованием, осознанно планировать повышение квалификации.
ОК 9. Ориентироваться в условиях частой смены технологий в профессиональной деятельности.
ОК 10. Развивать культуру межличностного общения, взаимодействия между людьми, устанавливать психологические контакты с учетом межкультурных и этнических различий.
ПК 1.2. Осуществлять безналичные платежи с использованием различных форм расчетов в национальной и иностранной валютах.
ПК 1.5. Осуществлять международные расчеты по экспортно-импортным операциям.
ПК 1.6. Обслуживать расчетные операции с использованием различных видов платежных карт.
ПК 2.4. Проводить операции на рынке межбанковских кредитов.
Основными формами проведения текущего контроля знаний на аудиторных занятиях являются написание лексических диктантов, выполнение контрольных работ, устный опрос.
Приложение 1
Комплект оценочных средств
Для проведения экзамена
Экзамен включает в себя следующие задания:
1. Чтение и перевод профессионально - ориентированного текста со словарём.
2. Беседа по тексту (вопросы экзаменатора).
Каждое задание оценивается в 10 баллов. Максимальное количество баллов - 20.
Билет № 1
1. Чтение и перевод текста “Sources of finance”
2. Беседа по тексту.
Билет № 2
1. Чтение и перевод текста “Economic systems”
2. Беседа по тексту
Билет № 3
1. Чтение и перевод текста “Establishing a bank account”
2. Беседа по тексту
Билет № 4
1. Чтение и перевод текста “The banks of England”
2. Беседа по тексту
Билет № 5
1. Чтение и перевод текста “Glimpses of history of money”
2. Беседа по тексту
Билет № 6
1. Чтение и перевод текста “Various services of banks”
2. Беседа по тексту
Билет № 7
1. Чтение и перевод текста “Federal Reserve System of the USA”
2. Беседа по тексту
Билет № 8
1. Чтение и перевод текста “Major economic problems”
2. Беседа по тексту
Билет № 9
1. Чтение и перевод текста “Production, exchange and consumption"
2. Беседа по тексту
Билет № 10
1. Чтение и перевод текста “The economy of the Russian Federation”
2. Беседа по тексту
Билет № 11
1. Чтение и перевод текста “American money”
2. Беседа по тексту
Билет № 12
1. Чтение и перевод текста “Changing money over the counter”
2. Беседа по тексту
Билет № 13
1. Чтение и перевод текста “Counterfeiting”
2. Беседа по тексту
Билет № 14
1. Чтение и перевод текста “Business hours”
2. Беседа по тексту
Билет № 15
1. Чтение и перевод текста “Financial institutions”
2. Беседа по тексту
Тексты для чтения и перевода
Билет № 1
Sources of finance
For the well-established firm, the most obvious source of finance is its own profits. Instead of paying out all its profits to its shareholders, the firm can retain some within the business. Using retained profits in the business is described as "ploughing back the profits”. It is an important source of finance for the larger firm.
In the case of a very small firm, the necessary money will be provided by the proprietor and his family and friends with, perhaps, a loan from the local bank.
Loans can be short-term and long-term ones. Short-term loans are usually repayable within three years. Many such loans are for periods of one year or less. The sources of loans are as follows:
- overdrafts
- bills of exchange
- trade credits
- hire purchases
- leasing
A bank overdraft is the most widely used type of short-term finance. The bank allows the company to overdraw its account by some agreed amount. Interest is charged by the bank only on the amount overdrawn. It is one of the cheapest forms of borrowing.
Bills of exchange enable the company to obtain short-term finance from a bank or discount house where they wend bills of exchange for discounting.
Trade credits are quite normal in business. They are often granted by the sellers allowing the buyers to pay in some time, say in three months.
Вопросы:
1. What is the most obvious source of finance?
2. What can the firm do instead of paying out all its profits to its shareholders?
3. How is the using retained profits in the business described?
4. What kind of loans do you know?
5. What do you know about short loans?
6. What are the sources of loans?
7. What is the bank overdraft?
8. What does the bank allow the company to do?
9. Are trade credits normal in business?
10. What do they allow the buyers to do?
Билет № 2
Economic systems
Economy is the system for management and use of resources. Though the economic systems differ from country to country, some of the systems are very similar to one another, and they can be classified into four groups: traditional economies market economies command economies mixed economies. In traditional economies, people live in accordance with old-age customs. These economies are often described as subsistence economies because what is produced, in most cases, amounts to little more than the minimum necessary for survival. Isolated villages in Africa and Asia, and the nomadic Bedouin tribes, provide examples of traditional economies. A market economy is one in which there is considerable freedom for people to buy what they want and sell what they produce. Prices are determined by the market forces of demand and supply. Command economies are so named because the government has the power to command the nation's economic resources. It is the government which decides what shall be produced, how it shall be produced and for whom it shall be produced. These economies are generally described as centrally-planned economies. Most real-world economies are mixed economies. A mixed economy has both a public and a private sector. Some enterprises are owned by the state, while some are privately owned.
Вопросы:
1. What is Economy?
2. Are the economic systems different or similar?
3. How do they classify economic systems?
4. What do you know about traditional economies?
5. Give examples of traditional economies.
6. What do you know about market economies?
7. What about the prices in market economies?
8. What do you know about command economies?
9. How are command economies generally described?
10. What do you know about a mixed economy?
Билет № 3
Establishing a bank account
One of the first things should do after you arrive in the United States is establish a bank account. It is not a good idea to carry large amounts of cash or keep it in your living quarters.
Most banks have main offices in the center of cities and towns, and also have smaller offices, called «branches», in other parts of the city or town, as well as in suburban locations. Banks are generally open Mondays through Fridays, usually from 9:00 a.m. to 12:00 noon.
Remember that banks are private businesses. They are all different and each wants to get your business. You should check with several banks to determine which bank offers the best services for your needs.
You should plan to open both a checking and savings account at the same bank, simply because it will be more convenient for you. For example, if you have a savings account and a checking account in the same bank, you can often telephone and ask to transfer funds from your saving account to your checking account. Interests rates on saving and checking accounts vary from bank of bank. Investigate and compare various banks and their rates of interests on accounts before you decide where to open an account.
Вопросы:
1. What is the first things should you do after you arrive in the United States?
2. What do you have to do with large amounts of cash?
3. Where do banks have their main offices ?
4. How do they call smaller offices?
5. When are Banks open ?
6. Are banks private or government businesses?
7. Should people open an account immediately?
8. Is it good to open both a checking and savings account at the same bank?
9. Why is it convenient to open both a checking and savings account at the same bank?
10. Are interests rates the same on saving and checking accounts?
Билет № 4
The banks of England
Most countries have a central bank, which is responsible for the operation of the banking system. The central bank in the UK is the Bank of England, which was taken into public ownership in 1946. It has many responsibilities, which are summarized below.
1) It is the government’s bank. It handles the income and expenditure of Exchequer and other government departments.
2) The clearing banks maintain accounts at the Bank of England. The final cash settlements within the banking the banking system and between the banking system and the Bank of England take place through these accounts.
3) It manages the national debt. This is a major responsibility which involves making repayments on government securities when they mature, undertaking new issues of long-term securities, making regular payments on interest to holders of existing government securities, and handling the weekly issues of Treasury bills.
4) It is the lender of last resort. The Bank of England stands ready to come to the assistance of the banking system in times when it is threatened by a shortage of cash.
5) It acts as the government’s agent in the foreign exchange market, in which it can intervene to influence the value of sterling against other currencies.
6) It has the responsibility for carrying out the government’s monetary policy.
7) It has legal powers to supervise the operations of other banks. All banks are expected to supply the Bank of England with information about their business, and they have to respond to directives given to them by the bank.
Вопросы:
1. What is the central bank responsible for?
2. What is the central bank in the UK?
3. When was it taken into public ownership?
4. What does it handle?
5. What do the clearing banks maintain?
6. What does it manage?
7. What does it mean to be the lender of last resort?
8. What does it mean " to acts as the government’s agent" in the foreign exchange market?
9. What responsibility does it have?
10. What legal powers does it have?
Билет № 5
Various services of banks
Banker’s services cover an enormous range of activities today. A full list would include:
· Current account services
They are extended to anyone whom banks regard as reliable. A new depositor should be recommended by his employer or should present a reference. If this proves satisfactory the bank will accept a deposit from him which will be entered in his current account.
A cheque book will then be issued free of charge. Once the customer has received his cheque book he may use the cheques to order the banker to pay out sums of money from his current account. Money is being paid into and paid out of the account as often as the customer finds convenient.
· Deposit account services
Companies and individuals can deposit cash resources that are not needed at present. They can withdraw the money either any day they need it or after a certain period in case of time deposits.
· Savings account services
It enables small savers to put money away for particular purposes, for example for holidays.
Other services:
- foreign exchange
- foreign exchange transactions
- services in foreign trade payments
- discounting bills of exchange
- granting loans
- investment management services
- cash dispensers and automated teller machines
- safe custody
- economic information
- banker’s credit cards and many others.
Вопросы:
1. Who are current account services extended to?
2. Who should recommended a new depositor?
3. What will the bank do next ?
4. Is a cheque book free of charge?
5. How can the customer use his cheque book?
6. How is money paid out?
7. What can you say about deposit account services ?
8. How can the customers withdraw money?
9. What do you know about saving account services
10. What other services do you know?
Билет № 7
There are also twenty five branches of the Federal Reserve Banks to serve particular areas within each district. The activities of the Federal Reserve Banks are coordinated through the Federal Reserve Board of Governors in Washington. The board exercises general supervision over the Federal Reserve Banks.
The Federal Reserve Banks hold the reserves of the member banks, i.e. the commercial banks which are members of the Federal Reserve System. The FR Banks supply the member banks with currency if necessary and act to them as lenders by rediscounting bills. The board determines the reserve requirements of the commercial banks. The Board too really determines discount rates. The Federal Reserve System, in collaboration with the Government of the USA, determines monetary policy and, aided by the Federal Reserve Banks, carries it out.
All national banks must be members of the Federal Reserve System. Incorporated state banks including commercial banks, mutual savings banks, trust companies, and industrial banks, may also join the System.
Major economic problems
Major problems facing developing countries are as follows:
Poor natural resources
Many developing countries have very poor supplies of natural
resources. Many of them have soil lacking in fertility, large desert
areas and climates which are not favourable to high productivity
because they are too dry or too hot. Some developing countries
though have been fortunate enough to possess valuable mineral deposits such as oil.
A shortage of capital
Most developing countries lack electricity supplies, water supplies,
transport and farming equipment, good roads and railways, port
facilities and other capital goods. They have very little modern
technology.
Large-scale unemployment
In developing countries, the rapid growth of population has been
accompanied by a large-scale movement of people from the rural
areas to the towns and cities. This has created serious
unemployment problems, especially among the younger age groups.
Underemployment is also a serious problem. For example, ten
people may be employed in a job for which only six are needed.
Population growth
In the great majority of developing countries, the rate of population
growth is very much higher than it is in developed countries. This means that it is difficult for them to achieve increases in GNP per head.
Вопросы:
1. What are the main economic problems?
2. How many people work on the land in low-income countries?
3. What is the output per worker in agriculture?
4. Are developing countries rich in natural resources?
5. Are any of them rich in oil?
6. What does a "shortage of capital?
7. What about unemployment?
8. What is Underemployment?
9. What is the rate of population in developing and developed countries?
10. What does it mean?
Билет № 9
American money
The American dollar is subdivided into one hundred cents.
The dollars are issued by the Federal Reserve System, established by Congress in 1913.
Here is the text on the face of an American dollar banknote:
- dollars
- Federal Reserve Note
- The United States of America
- this note is legal tender (платежное средство) for all debts public and private
- Washington, D.C.
- Treasurer of the United States
· Secretary of the Treasury.
On the face ofAmerican dollars one can also see the portraits of the following famous persons:
- George Washington (1732-1799), the first President of the United States of America, who gave his name to the capital of the country.
George Washington became the first President after the successful war of 13 British colonies for independence. After they won the war they formed 13 states and united to make the United States of America. Thus Independence was proclaimed on July 4, 1776.
- Abraham Lincoln (1809 – 1865) who was President from 1861 to 1865 after the war between the northern and southern states. It was he who proclaimed freedom of slaves of the south.
- Alexander Hamilton (1755 – 1804), a famous American statesman, who fought in the Independence War together with George Washington. Later he became the first Secretary of the Treasury.
- Andrew Jackson (1767 -1845) was President of the USA from 1829 to 1837, when Texas won independence from Mexico.
- Ulysses Grant (1822 – 1885) who was President of the USA from 1869 to 1877 when the Centennial Exposition was held in Philadelphia.
- Benjamin Franklin (1706 – 1790) a very popular public figure, writer, diplomat and scientist. It was he who invented bifocal spectacles among many other things.
On the back of banknotes various buildings are features, such as:
- Lincoln Monument, one of the monuments in Washington
- US Treasury Building, in Washington
- White House, house of every President, except George Washington, who only planned the capital of the USA
- US Capitol, which houses the Senate and the House of Representatives
- Independence Hall, in Philadelphia, where Independence of the 13 British colonies was proclaimed.
All the banknotes bear the words
In God We Trust
Вопросы:
1. How is the American dollar subdivided?
2. Who issues American dollars?
3. When was the Federal Reserve System established?
4. What does the text on the face of an American dollar banknote include?
5. What can you see on the face ofAmerican dollars?
6. What do you know about George Washington?
7. What do you know about Abraham Lincoln ?
8. What do you know about Andrew Jackson?
9. What do you know about Benjamin Franklin?
10. What do all the banknotes bear?
Билет № 12
Counterfeiting
Counterfeiting of money is one of the oldest crimes in history.
In the United States, for example, it was a serious problem in the past, when each bank issued its own currency.
Therefore they adopted a national currency in 1863 but it did not solve the counterfeiting problem. The national currency, or the dollar, was soon counterfeited so widely, that it became necessary for the US Government to take special measures. In 1865 the United States Secret Service was established to suppress counterfeiting. It curtailed counterfeiting to a certain extent but this crime still exists.
The US dollar is now the most counterfeited currency in the world.
Modern photographic and printing devices, color copiers, laser scanners have made the production of counterfeit money relatively easy.
A lot of special security features are usually used in making banknotes of every country.
In making American dollars, for example, the following security features are used:
- red and blue fibres, embedded in the paper
- the intaglio printing of some features and many others.
Besides, not long ago, a few more new security features were added to US dollars. These features were added to US dollars. These features are as follows:
- invisible thread embedded in the paper
- microprinting and others.
Вопросы:
1. Is counterfeiting of money an old crime?
2. Why was it serious problem in the United States in the past?
3. When did they adopt a national currency?
4. Did it solve the counterfeiting problem?
5. Why did the US Government take special measures?
6. What measures did they take?
7. What is the most counterfeited currency in the world?
8. Why is it easy to counterfeit money?
9. What security features are used In making American dollars?
10. What are the new security features?
Билет № 14
Business hours
The standard working day in the United Kingdom and the USA starts at 9:00 a. m. and lasts till 5:00 p. m. with lunch time from 1:00 p. m. to 2:00 p. m. Many banks are usually open for customers from 9:30 a. m. to 3:30 p. m. Some businesses and industries traditionally work different hours.
Most employees have a five-day working week, Monday through Friday. The working week is between 35 and 40 hours long. Overtime is quite common and is generally paid, often at a premium to the basic rate of pay. The weekend usually starts on Friday night and lasts till Monday.
Thus on Saturdays and Sundays most businesses are closed. But as to shops they are open on Saturdays and some of them are open on Sundays.
In Britain the law does not say what shops can be open on Sundays but it says what goods can be sold on Sundays. They are newspapers, magazines and fresh food. If the law is broken, criminal proceedings may be taken. Many officials and the public demand that the Sunday trading rules should be abolished in the UK.
Most businesses are closed on public or national holidays.
The main public holidays of the UK are as follows: New Year's Day, Good Friday, Easter , Easter Monday, May Day, Christmas Day, Boxing Day.
In the United States the following main holidays are celebrated:
New Year's Day , Washington's Birthday ,Easter Memorial Day ,Independence Day , Labour Day ,Veterans' Day Thanksgiving Day Christmas Day.
All the main public or national holidays in the US and UK are bank holidays, which means banks are closed on those days. Besides there are some other bank holidays, when banks and many other businesses are closed.
The bank holidays besides public or national holidays are: Spring or Summer (Bank) Holiday in May or June Autumn (Bank) Holiday in August or September
It dates back to the nineteenth century when by the Bank Holiday Act and a Supplementary Act these days were constituted as bank holidays in the UK.
Вопросы:
1. When does the standard working day in the United Kingdom and the USA start?
2. When does the standard working day in the United Kingdom and the USA finish?
3. When is lunch time?
4. When are many banks are usually open?
5. How long is a working week?
6. Is overtime paid?
7. Are shops open on Saturdays and Sundays?
8. What goods can be sold on Sundays?
9. What are the main public holidays of the UK?
10. What are the main public holidays of the USA?
Билет № 15
Financial institutions
There are many important financial institutions which provide finance for companies. These institutions provide money in different ways.
- Banks
Although banks specialize in supplying short-term loans, they are prepared to make loans for longer periods – up to 20 years in certain circumstances.
- Insurance companies
The regular premiums paid by policyholders are invested in government securities, company shares, land, and property of all kinds. The income from these investments makes it possible for insurance companies to pay out interests.
- Pension funds
Although in many countries there is a state pension sсheme, a large number of employed and self-employed people also belong to private pension schemes. The money which accumulates in these pension funds is invested and works in a very similar manner to the funds of insurance companies.
- Investment trusts
These are limited companies buying shares in other companies which they believe will be the most successful ones. People who then buy shares in investment trusts are paid dividends and investment funds obtain a profit too.
- Unit trusts
These operate in a very similar manner to investment trusts. But they are not limited companies – they do not issue shares, they issue units. These units cannot be re-sold on the open market, but they can be sold back to the unit trust at any time.
Вопросы:
1. What do financial institutions do?
2. Do they provide money in the same way?
3. What do banks usually specialize in?
4. Do bank make loans long periods?
5. Where are the regular premiums paid by policyholders invested?
6. Do insurance companies pay out interests?
7. What pension sсheme do the most countries have?
8. What are investment trust?
9. Are people who buy shares in investment trusts paid dividends?
10. What do unit trusts do?
Условия выполнения задания
1. Место (время) выполнения задания: учебная аудитория
2. Максимальное время выполнения задания: 2 академических часа.
3. Вы можете воспользоваться ручкой (цвет синий), словарями.
Пакет экзаменатора
| Результаты освоения (объекты оценки) | Критерии оценки результата | Отметка о выполнении |
| У1- общаться на иностранном языке на профессиональные и повседневные темы | - употребляет лексические единицы и грамматические структуры соответственно коммуникативной задаче; - логическое построение высказывания на заданную тему | |
| У2- переводить (со словарем) иностранные тексты профессиональной направленности | - понимание основного содержания прочитанного текста; -выделение отдельной, значимой информации | |
| З1. - лексический (1200 - 1400 лексических единиц) и грамматический минимум, необходимый для чтения и перевода (со словарем) иностранных текстов профессиональной направленности | - знает видо-временные формы глаголов, средства и способы изучения модальности; условия, предложения, причины, следствия; - знает лексические единицы по теме |
Критерии оценки
| Ответы | Баллы | Примечание |
| 1-10 | Каждый правильный ответ 1 балл |
Ключ
Билет 1
Источники финансирования
Для хорошо организованной фирмы, наиболее очевидным источником финансирования является собственная прибыль. Вместо того, чтобы распределить часть прибыли между своими акционерами, фирма может оставить некоторую её часть себе. Использование нераспределенной прибыли в бизнесе называется "реинвестирование прибыли". Это является важным источником финансирования для крупной фирмы.
В случае, если фирма небольшая, необходимые деньги обеспечивает собственник, его семья, друзья и, если возможно, берётся кредит в местном банке.
Кредиты могут быть краткосрочные и долгосрочные. Краткосрочные кредиты, как правило, погашаются в течение трех лет. Многие кредиты берутся на срок не более одного года. Источники кредитования:
• овердрафты
•векселя
• торговые кредиты
• покупка с оплатой в рассрочку
• лизинг
Банковский овердрафт является наиболее используемым типом краткосрочного финансирования. Банк позволяет компании преувеличивать свой кредит на согласованную сумму. Проценты начисляются банком только на сумму овердрафта. Это один из самых дешевых форм заимствования.
Векселя позволяют компании получать краткосрочное финансирование от банка или учётного дома, куда их отправляют для получения скидки.
Торговые кредиты являются вполне обычным явлением в бизнесе. Они часто предоставляются продавцами, позволяя покупателям заплатить позже, например, через три месяца.
Ответы на вопросы
1. The most obvious source of finance is its own profits.
2. Instead of paying out all its profits to its shareholders, the firm can retain some within the business.
3. Using retained profits in the business is described as "ploughing back the profits”.
4. Loans can be short-term and long-term ones.
5. Short-term loans are usually repayable within three years.
6. The sources of loans are as follows: overdrafts, bills of exchange, trade credits, hire purchases, leasing.
7. A bank overdraft is the most widely used type of short-term finance.
8. The bank allows the company to overdraw its account by some agreed amount.
9. Yes, they are.
10. They allow the buyers to pay in some time, say in three months.
Билет 2
Экономические системы
Экономика - это система управления и использования ресурсов. Хотя экономические системы в разных странах различаются, некоторые из систем очень похожи друг на друга, и они могут быть разделены на четыре группы: рынок, традиционная экономика страны, командная экономика, смешанная экономика. В традиционной экономике люди живут в соответствии со старыми обычаями. Эти страны часто используют натуральное хозяйство, потому что то, что производится, в большинстве случаев, составляет чуть больше, чем минимум, необходимый для выживания. Изолированные деревни в Африке и Азии и кочевые племена бедуинов - примеры традиционной экономики. При рыночной экономике существует значительная свобода для людей, которые покупают то, что они хотят, и продают то, что они производят. Цены определяются рыночными силами от спроса и предложения. Командная экономика называется так потому, что правительство имеет право командовать экономическими ресурсами страны. Это правительство, которое решает, что должно быть изготовлено, как это должно быть произведено и для кого это должно быть произведено. Эта экономика, как правило, описывается как централизованно планируемая экономика. Большинство реальной экономики является смешанной. Смешанная экономика имеет как общественную, так и частную часть. Некоторые предприятия являются собственностью государства, а некоторые находятся в частной собственности.
Ответы на вопросы
1. Economy is the system for management and use of resources.
2. Though the economic systems differ from country to country, some of the systems are very similar to one another.
3. They can be classified into four groups: traditional economies market economies command economies mixed economies.
4. In traditional economies, people live in accordance with old-age customs.
5. Isolated villages in Africa and Asia, and the nomadic Bedouin tribes, provide examples of traditional economies.
6. A market economy is one in which there is considerable freedom for people to buy what they want and sell what they produce.
7. Prices are determined by the market forces of demand and supply.
8. Command economies are so named because the government has the power to command the nation's economic resources.
9. These economies are generally described as centrally-planned economies.
10. A mixed economy has both a public and a private sector.
Билет 3
Открытие счёта
Первое, что нужно сделать после того, как вы прибудете в Соединенные Штаты - открыть счёт в банке. Носить с собой большие суммы наличных денег или держать их дома - не очень хорошая идея. Большинство банков имеют главные офисы в центре городов и населенных пунктов, а также имеют небольшие офисы, так называемые «отделения», в других частях города или населенного пункта, а также в пригородных районах. Банки обычно открыты с понедельника по пятницу, как правило, с 9:00 до 12:00.
Помните, что банки являются частными предприятиями. Они все разные, и каждый хочет получить своё. Вы должны проверить несколько банков, чтобы определить, какой банк предлагает лучшие услуги для ваших нужд.
Лучше открыт сберегательный и расчётный счета в одном банке, просто потому, что это будет более удобно для вас. Например, если у вас есть сберегательный счет и расчетный счет в одном и том же банке, вы можете позвонить и попросить перевести средства с вашего сберегательного счета на текущий счет. Процентные ставки сберегательного и расчётного счетов варьируются в зависимости от банка. Нужно узнать и сравнить разные банки и их процентные ставки, прежде чем вы решите, где открыть счет.
Ответы на вопросы
1. One of the first things should do after you arrive in the United States is establish a bank account.
2. It is not a good idea to carry large amounts of cash or keep it in your living quarters.
3. Most banks have main offices in the center of cities and towns.
4. They call them «branches».
5. Banks are generally open Mondays through Fridays, usually from 9:00 a.m. to 12:00 noon.
6. Banks are private businesses.
7. No, you should check with several banks to determine which bank offers the best services for your needs.
8. Yes, it is.
9. if you have a savings account and a checking account in the same bank, you can often telephone and ask to transfer funds from your saving account to your checking account.
10. Interests rates on saving and checking accounts vary from bank of bank.
Билет 4
Банки Англии
В большинстве стран есть центральный банк, который отвечает за функционирование банковской системы. Центральным банком Великобритании является Банк Англии, который стал государственной собственностью в 1946 г. Он имеет много обязанностей, которые кратко изложены ниже
1) Это правительственный банк. Он занимается доходами и расходами казначейства и других государственных ведомств.
2) Клиринговые банки держат счета в Банке Англии. Окончательные денежные расчеты в рамках банковской системы, так и между банковской системой и Банком Англии проходят через эти счета.
3) Он управляет национальным долгом. Это большая ответственность - совершать выплаты по государственным ценным бумагам, выпускать новые долгосрочные ценные бумаги, совершать регулярные платежи по процентам владельцам существующих правительственных ценных бумаг, обрабатывать еженедельные выпуски казначейских векселей.
4) Является кредитором последней инстанции. Банк Англии готов прийти на помощь банковской системе во времена, когда ей угрожает нехватка наличных денег.
5) Он выступает в качестве агента правительства на валютном рынке, в который он может вмешаться, чтобы влиять на курс стерлинга против других валют.
6) Он несет ответственность за проведение денежно-кредитной политики правительства.
7) Он имеет законные полномочия контролировать действия других банков. Все банки должны предоставлять Банку Англии информацию о своём бизнесе и выполнять указания, данные им банком.
Ответы на вопросы:
1. A central bank is responsible for the operation of the banking system.
2. The central bank in the UK is the Bank of England.
3. It was taken into public ownership in 1946.
4. It handles the income and expenditure of Exchequer and other government departments.
5. The clearing banks maintain accounts at the Bank of England.
6. It manages the national debt.
7. The Bank of England stands ready to come to the assistance of the banking system in times when it is threatened by a shortage of cash.
8. It can intervene to influence the value of sterling against other currencies.
9. It has the responsibility for carrying out the government’s monetary policy.
10. It has legal powers to supervise the operations of other banks.
Билет 5
История происхождения денег
В разные периоды времени и в разных частях мира роль денег играли различные товары.
Этими товарами были: крупный рогатый скот, овцы, меха, кожа, рыба, табак, чай, соль, ракушки и т. д. Например, Жители Северной Америки использовали в качестве денег ракушки. Их нанизывали на струны или ленты, называемые "вампум". Эксперты подчеркивают, что, чтобы эффективно служить в качестве денег, товар должен быть достаточно прочным, легко делится, и он также должен легко переноситься. Никакие из вышеперечисленных товаров не обладали всеми этими качествами, и тогда они были заменены на драгоценные металлы.
Сначала они были заменены на серебро, а затем на золото.
Когда совершалась покупка, металл просто взвешивали. Следующим этапом было то, что металл разрезали на части определенного веса и, таким образом, монеты вошли в обиход.
Бумажные деньги впервые вошли в обиход в виде расписки, которая была дана в обмен на золотые и серебряные монеты. После того как ювелиры стали банкирами , расписки стали банкнотами. Вот так появились первые банкноты.
Сначала монеты имели стоимость металла. Но позже стали использоваться жетоны в качестве недорогого платежного средства. Сейчас монеты меньше достоинства изготавливают из бронзы и их часто называют копейками. Монеты большего достоинства изготавливаются из мельхиора.
Ответы на вопросы:
1. At different periods of time and in different parts of the world many different commodities have served as money.
2. These commodities were: cattle, sheep, furs, leather, fish, tobacco, tea, salt, shells etc..
3. Shell money was used by early settlers in North America..
4. The experts underline that to serve effectively as money, a commodity should be fairly durable, easily divisible, and portable.
5. None of the above mentioned commodities possessed all these qualities.
6. When a payment was made the metal was first weighed out.
7. The next stage was the cutting of the metal into pieces of definite weight and so coins came into use.
8. Paper money first came into use in the form of receipts given by goldsmiths in exchange for deposits of silver and gold coins..
9. After goldsmiths became bankers their receipts became banknotes.
10. Now smaller denomination coins are made from bronze.
Билет 6
Различные услуги банков
Услуги банка охватывают огромный спектр услуг. Полный список услуг:
• Текущее обслуживание счета
Распространяется на тех, кого банки считают надежными клиентами. Новый вкладчик должен иметь рекомендацию от работодателя или должен представить справки. Если с документами всё в порядке, банк откроет текущий счет.
Затем бесплатно выдаётся чековая книжка. После получения чековой книжки, клиент может получать необходимые суммы денег со своего расчетного счета. Деньги выдаются так часто, как это необходимо клиенту.
• Услуги депозитного счета
Компании и частные лица могут вносить на счёт наличные денежные средства, которые не нужны на данный момент. Деньги можно снять в любой день, или после определенного времени, в случае срочного вклада.
• Сберегательный счет
Позволяет мелким вкладчикам класть деньги на конкретные цели, например на предстоящий отпуск.
Другие услуги:
• обмен валюты
• валютные операции
• услуги во внешнеторговых расчетах
• учет переводных векселей
• предоставление кредитов
• услуги по управлению инвестициями
• банкоматы
• безопасное хранение
• финансовая информация
• кредитные карты, банковские карты и многое другое.
Ответы на вопросы:
1. They are extended to anyone whom banks regard as reliable.
2. A new depositor should be recommended by his employer or should present a reference.
3. If this proves satisfactory the bank will accept a deposit from him which will be entered in his current account.
4. Yes, it is.
5. He may use the cheques to order the banker to pay out sums of money from his current account.
6. Money is being paid into and paid out of the account as often as the customer finds convenient.
7. Companies and individuals can deposit cash resources that are not needed at present.
8. They can withdraw the money either any day they need it or after a certain period in case of time deposits.
9. It enables small savers to put money away for particular purposes, for example for holidays
10. They are: foreign exchange, foreign exchange transactions, services in foreign trade payments, discounting bills of exchange, granting loans and some others.
Билет 7
Приложение 2
Комплект оценочных средств
Задания для проведения лексических диктантов
Критерии оценки
50 слов и словосочетаний
45-50 правильно написанных слов - "5" (отлично)
40-44 правильно написанных слов - "4" (хорошо)
35-39 правильно написанных слов - "3" (удовлетворительно)
менее 34 правильно написанных слов - "2" (неудовлетворительно)
Лексический диктант №1
Лексический диктант №2
Образование
Attend, be strong at a subject, be weak at a subject, credit test, curriculum, get a diploma, entrance exam, excellent, graduate, hostel, make (good) progress, pass an exam in, postgraduate, register, scholarship, term, uniform, work regularly, education, college, marks, lectures, seminars, subject, university, the course of studies, primary school, secondary school, lyceum, gymnasium, free of charge, comprehensive school, General Certificate of Secondary Education examinations, A-level, state education, private education, public schools, boarding schools, federal educational standard, higher education, freshman, Bachelor's degree, Master's degree, compulsory, nursery schools, playground, head teacher, expensive, specialization, junior senior.
Лексический диктант №3
Моя будущая профессия
Personal statement, job satisfaction, promotion, professional skills, travel abroad, lifestyle, reward, accountant, career, job prospects, profession, job, responsibility, to graduate from, employer, employee, a personal data sheet, resume, professional, administrative, managerial, cashier, a specialist in banking, investment analyst, trainee, CV, fill in, look for, marital status, senior account manager, salary, customer, speak foreign languages, reference, qualifications, applicant, application form, competition, working hours, routine, colleagues, flexible hours, overtime, social life, stressful, creative, boring, busy, experience.
Лексический диктант №4
Лексический диктант №5
Лексический диктант №6
Банки.
Service, current account, deposit, depositor, cheque book, withdraw, saving account, foreign exchange, foreign exchange transaction, cash dispenser, automatic teller machine, due date, insurance, investment advice, loan, mortgage, safe deposit box, borrow, lend, special offer, interest rate, open an account, credit card, debit card, online banking, password, register, check balance, branch, commission, change money, guarantee, profit, shares, bonds, mutual fund, investment portfolio, stork market, London Stock Exchange, signature, charge card, traveller's cheque, bill, tax form, shareholder, own, stocks, deposit slip, the amount in numbers, time deposit
Лексический диктант №7
Международная торговля.
Visible import, visible export, invisible import, invisible export, goods, services, abroad, freight, Gross National product, balance of payment, balance of trade, dominate, manufactured goods, vehicle, foodstaffs, enterprise, economic ties, the Commonwealth, the European Economic Community, foreign trade, international trade, raw materials, machinery, agricultural products, customs, consumer goods, the World Trade Organization, trade legislation, right, most favoured nation treatment, multilateral, plurilateral, bilateral, to resolve a dispute, clause, surplus, deficit, population, natural resources, factory, textiles, shipping charges, foreign investments, enterprises, tourist expenditure, earnings, world's export, livelihood, services, unification, customs duties.
Лексический диктант №8
Числа. Расчёты.
Number, point, comma, fraction, nought, decimal, mean, per cent, hundred, thousand, million, year, telephone number, document number, dates, time, compare, calculate, deal with, oh, zero, love, nil, figure, account, address, temperature, score, interest rate, billion, chart, cost, salary, rise, sharp, increase, fall, discount, digit, stroke, dash, current prices, current rates, approximately, amount, interpretation, expenditure, operating cost, spend, expenses.
Приложение 3
Комплект оценочных средств
Задания для проведения контрольных работ
Контрольная работа №1
Internet banking
Customers with facilities for Internet banking (also known as online banking) can use their bank’s or building society’s website to carry out payments and other 1 _______________ over the Internet. This form of banking can be done outside business hours and from anywhere with Internet access. Features of Internet banking include payment of bills, funds transfers between a customer’s own accounts, transfers to a third party’s account, loan 2 _______________ and viewing bank statements.
In addition to the Internet banking 3 _______________ offered by high-street banks, a new generation of banks operate exclusively online. These banks tend to offer high interest r