Tiếng anh tài chính ngân hàng

1.Regular bank statements will be sent to you by post, listing recent __________. *
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a.payments
b.events
c.transactions

2. New current account customers can borrow up to £200 in the form of a low-interest
__________. *
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a.overdraft
b.overtake
c.overspend

3. The current rate of interest for __________ overdrafts is 6.7% APR. *

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a.permitted
b.allowed
c.authorised

4. While your account is __________ credit, there are no charges. *

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a.under
b.in
c.with

5. If your account is overdrawn, charges may __________. *

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a.happen
b.apply
c.occur

6.Current account __________ may apply for a Grimleys Credit Card. *

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a.holders
b.owners
c.users

7. You may __________ your account at any time. *

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a.close
b.finish
c.end

8. Regular automatic payments of the same amount (e.g. to a charity) are called
__________. *
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a.standing orders
b.direct debits
c.direct orders

9. Regular automatic payments of varying amounts (e.g. electricity bills) are called
__________. *
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a.standing orders
b.direct debits
c.direct orders

10. With my savings account, I have to ________ 30 day notice if I want to ________
a withdrawal. *
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a.say / do
b.give / make
c.ask for / take

1.Retail banks/deposits/loans/ investment banks/ advice/ capital/for companies. *

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Câu trả lời của bạn

2.People/ at work/ bank opening hours/likely/prefer/ electronic banking. *

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Câu trả lời của bạn

3. Time period principle/ prevent/ companies/ manipulate/ accounts/ changing/ end of/
financial year/ disguise/ bad periods. *
Dear Mrs Phipps
Re: Retail Banking
On the attached you will find the Bank’s proposed Schedule of Charges which will take effect as from 1st
January, and will be reviewed annually.
We very much regret that we are unable to continue offering “free banking” to our customers. This recent
change of policy is due to increasing costs, and we feel that if we are continue to maintain the professional
level of personal service that we have always provided to our customers, we must now obtain a contribution to
our expenses.
You will note that our charges are below the average levied by other UK banks, as we wish to remain
competitive in this market.
The charges will be debited to your account monthly in arrears.
The minimum balance requirement for those accounts which are interest bearing has been reduced from USD
100,000 to USD 50,000 or currently equivalent. This reduction in the minimum balance requirement will
therefore compensate for some of the charges which will have to be paid by yourselves.
If you have any questions concerning the new charges, would you please telephone either myself or my
colleague, James Samuel.
Yours sincerely
1. Mark these statement True or False according to the information in the letter.
a. The new charges will remain the same for 12 months.
b. The company didn’t have to pay bank charges before.
c. The bank’s policy has changed because the bank wants to be more competitive.
d. Other UK banks make lower charges.
e. The company will have to pay the charges in advance.
f. If the company’s account balance is USD 55,000, they will be able to earn interest on this.
g. The company will be better off than before because of the extra interest they will earn.
2. Find a word or phrase from the letter that has a similar meaning.
a. each year or every year (para 1)
b. keep something at the same level (para 2)
c. amount that partly meet costs but does not cover them completely (para 2)
d. having the same value (para 3)
3. Underline the best explanation for each of these phrases from the text.
- Monthly in arrears (para 4): payable at the end of the month/ payable at the beginning of the month
- Interest bearing accounts (para 5): accounts which are free of interest/ accounts which earn interest

1 a. The new charges will remain the same for 12 months. *

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True
False

1b. The company didn’t have to pay bank charges before. *

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True
False

1c. The bank’s policy has changed because the bank wants to be more competitive. *
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True
False

1c. The bank’s policy has changed because the bank wants to be more competitive. *
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True
False
1d. Other UK banks make lower charges. *
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True
False

1e. The company will have to pay the charges in advance. *

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True
False

1f. If the company’s account balance is USD 55,000, they will be able to earn interest
on this. *
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True
False

1g. The company will be better off than before because of the extra interest they will
earn. *
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True
False

2a.Find a word or phrase from the letter that has a similar meaning: each year or
every year (para 1) *
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Câu trả lời của bạn

2b.Find a word or phrase from the letter that has a similar meaning: keep something at
the same level (para 2) *
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Câu trả lời của bạn

2c.Find a word or phrase from the letter that has a similar meaning: amount that partly
meet costs but does not cover them completely (para 2) *
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Câu trả lời của bạn

2d.Find a word or phrase from the letter that has a similar meaning: having the same
value (para 3) *
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Câu trả lời của bạn

3a. Choose the best explanation for each of these phrases from the text.- Monthly in
arrears (para 4): *
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payable at the end of the month

payable at the beginning of the month

3b. Choose the best explanation for each of these phrases from the text.- Interest
bearing accounts (para 5): *
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accounts which are free of interest

accounts which earn interest
1)……………. some European countries (notably Germany, Switzerland and Austria) there have always been
universal banks combining deposit and loan banking (2)………………..share and bond dealing and investment
services, but (3)……………. much of the 20th century, American legislation enforced a strict (4)
……………….between commercial and investment banks. The Glass Steagal Act, (5)……………during the
Depression in 1934, prevented commercial banks from (6)………………….securities. This (7)
………………..was repealed in 1999. The Japanese equivalent was (8)………………..the previous year, and
the banking (9)………………..in Britain was also deregulated in the 1990s, and the financial conglomerates
now combine the services previously (10)………………..by banks, stockbrokers, and insurance companies.

V. Write at least 200 words discussing the advantages and disadvantages of online banking.

Stock markets perform two main functions: as a place for (1)……………. to

raise new capital by (2) ……………. new shares -a primary listing- and as a
platform for investors to (3) ……………. shares in what is called the secondary
market. When a company issues shares or lists on a market for the (4)
……………..time, it comes to the market in a process called an IPO (Initial
Public Offering). To do this, it will (5) …………….the service of an investment
bank. The investment bank will test investors’ interest in order to achieve a
valuation and (6) ……………. the shares by promising to buy any shares not (7)
…………….to investors. Once trading has begun, investors will buy and sell
the shares daily and the price will fluctuate (8) …………….to demand.