Вариант № 3 1. Вставьте предлоги вместо пропусков. 1. Fund managers must obtain the best possible deal ….. their clients. а) in b) for c) at d) by e) among 2. The gold standard is no longer used ….. global markets. a) on b) by c) in d) with e) at 3. This new office equipment will mean a change ….. routine. a) for b) at c) by d) of e) over 4. The market is saturated ….. used cars. a) of b) by c) on d) between e) with 5. The charity is funded largely ….. endowments. a) by b) in c) at d) over e) on 2. Прочитайте и переведите письменно раздел о глобализации. Выпишите из текста 15 слов и словосочетаний. Don't bank on it The banking sector has been radically affected by technological change, especially automation, to the extent that the industry is nearly unrecognizable compared to twenty years ago. People are beginning to ask themselves, "What is a bank?" The branch Customers are now far more likely to transact business using a cashpoint machine than facing a teller across the counter. Speed, efficiency and convenience seem to be the key factors in retail banking these day. As competition between banks increases, the ability to provide new and more flexible products and services distinguishes winners from losers in the market. Banking by telephone is set to become the norm for most personal clients within the next decade; the customer need never enter his or her local branch. However, there is a price to be paid for these changes. Thousands of jobs have been lost in the banking sector, and more are likely to go. The image of banking has become tarnished; along with many complaints about impersonal service and computer error, many people dislike the more obvious sales role of banking staff. So, have banks allowed themselves to be seduced too quickly by the promise of technology? Or, do we customers expect too much of our bank these days? Do we need to change our thinking and accustom ourselves to a different view of what banks can and cannot do? Dangerous dealings In other, more glamorous, areas of the banking industry, new markets and products have hit the headlines, raising important questions about supervision. The collapse of Barings Bank has highlighted the risks inherent in derivatives trading, a complex and extremely specialised area in which the potential for disaster apparently equals the potential for reward. In themselves, derivatives are neither good nor bad; it is the use they are put to which matters. When they are used to hedge a financial position, for example, derivatives are an invaluable tool of a company finance director. Nevertheless, unregulated trading by bright young men in dealing rooms and a lack of understanding of these instruments by senior managers within a bank increase the danger of future collapse. The Barings episode has focused the attention of senior bankers on what goes on in their dealing rooms and has prompted regulatory authorities to look more closely at how this lucrative but volatile industry should be policed. Globalization Another issue in banking is the question of globalization. It is not so many years ago that the term "global player" was on the lips of bankers in many countries across Europe, a proud boast in the faces of less adventurous provincial rivals. European banks made expensive purchases in the United States and elsewhere, some more successful than others. Cultural differences and ill- considered strategies have since shown that there is more to the process than simply putting a logo on a letterhead. While it is certainly true that banks need to follow their customers and to be present in emerging markets, some have felt that they would prefer to be national banks with an international presence, rather than truly multinational institutions. So where does banking go from here? The industry is changing so rapidly that it would need a brave man to answer that question with any degree of confidence. Two things are, however, certain. Firstly, the information revolution that is taking place in all sectors of the industry will continue to have far-reaching effects within financial institutions. Secondly, as a result of those changes, a bank of the twenty-first century will bear little resemblance to its historical forebears founded six hundred years ago. 3. Найдите в этом тексте слова-синонимы к словам и словосочетаниям: a) accepted standard b) blemished c) tempted (successfully!) d) naturally a part of e) protect f) very profitable 4. Составьте предложения из следующих слов. 1.6 pm, between, office, are, 9 am, and, hours. ……………………………………………………………………………… 2. were, 20p, share, shareholders, per, offered. ………………………………………………………………………………. 3. speak , need, main, to, you, someone, our, to, office, in. ……………………………………………………………………………….. 4. new, shareholders, purchase, given, were, a, option, to, major. ………………………………………………………………………………… 5. terms, infringed, the, party, the, has, the, and, conditions, other, to, contract. ………………………………………………………………………………….. 5. Вставьте подходящие по смыслу слова. 1.The one big fear of all world economies is that of .......... (a) regression (b) repression (c) recession (d) receding 2. You are never too young to start ......... some money in a savings account. (a) inputting (b) interesting (c) infusing (d) investing 3. If ever you find you have an unexpected expense, you can always ......... some money from your savings. (a) extract (b) exit (c) withhold (d) withdraw 4. At certain times of the year your shares will ......... a good profit but you must also be prepared for them to go down in value. (a) yield (b) take up (c) increase (d) throw up 5.You can ......... the cost of insuring your car if you keep it in a garage (a) refine (b) drop (c) cut (d) slice 6.We got a very good ......... when we bought that three piece suite for half its usual price. (a) deal (b) dealing (c) dealer (d) dealt 7. Now that the summer has started, big department stores are hoping that sales of holiday items will .......... (a) take on (b) take up (c) take off (d) take to 6. Выберите перевод словосочетания: 1. заявление о приеме на работу a) application note b) curriculum vitae c) application form d) resume 2. некоммерческая организация a) profit-making institution b) non-commerce organization c) not commerce institution d) non profit-making organization 3. «мошенничество, надувательство» a) insider practice b) insider trading c) speculation d) sharp practice 7. Образуйте подходящие по смыслу части речи от выделенных слов. 1. We increased our market by 15% last year. PENETRATE 2. This firm is one of the biggest COMPETE 3. for the position of accounts clerk must be computerate. APPLY 4. All new must sign a confidentiality agreement. EMPLOY 5. The accountants are the production process. COST 8. Напишите, что обозначают данные числа. Например: 8.45 (о’clock) – eight forty five 8.45 (o’clock)………………………………………………………………………………………… 821,000………………………………………………………………………………………………… 4/5 ……………………………………………………………………………………………………… 30 % …………………………………………………………………………………………………….. 310,500 ………………………………………………………………………………………………… 10 March, 2018 …………………………………………………………………………………… $ 2 bln …………………………………………………………………………………………………. 1.25 ……………………………………………………………………………………………………… 9. Определите, к чему относятся названия в таблице: к активам, к пассивам или к капиталу (asset, liability or capital). Запишите ответы в таблицу. 1 Tools and equipment. 2. Salaries payable 3. Additional investment of owner 4. Cash on hand 5. Loan from bank 6. Pre-paid insurance 7. Accounts receivable 8. Obligation to pay supplier 9. Investment in long-term loans 10. Delivery truck
