Контрольная работа по английскому для банковского дела

Содержание

Задание 1
Прочитайте и переведите текст письменно со словарём.

CREDIT RISKS
Over recent years, in Russia, loan services have been the main driver for the banking market development. According to the National Bureau of Credit Histories (NBCH) the total retail loans volume grew by 44,1 % in 2011 and by 54,8 % in 2012. Rapid growth contributed to good yields due to high rates, availability of a significant number of new borrowers, a large number of banks entering the retail lending market, a branch network development and investment in infrastructure.
In 2013 the market experienced recession – growth of personal loans made 36,9 %. The regulator decided to “cool down” the market, as a result the requirements for the unsecured personal loans reserve were upgraded, weighting coefficients for high-margin loan risks were increased and the maximum interest rate was limited.
The main challenge for retail banks in 2014 was a significant drop in return of assets. During this year, the banks found it more difficult to maintain the return of assets at an adequate level under the retail market slowdown conditions. Along with the achievement of this goal they were constrained to face with the major challenge, namely to make the borrowers selection process more severe and possibly to reduce the proportion of the most risky unsecured loans in the portfolios.
Under current conditions, the credit institutions need tools that will help them to tackle new threats and sustain competition. For many years NBCH has been helping banks to achieve the objectives with consideration of the established market trends. That’s why the Bureau has become the largest supplier of the credit risks management solutions.
Scoring models are most in-demand among the tools created by NBCH. It is important for the creditors to assess the borrower quickly and with high predictive accuracy. Nowadays NBCH scorings the most necessary risk management tool for the credit institutions which supported by the number of requests exceeding million per month. Bureau offers several variants of scoring inclusive of models with make it possible to assess not only potential borrowers, but operating accounts as well. So long as credit behavior of a borrower often tends to change, the demand for the borrower’s financial behavior monitoring service increased.
Monitoring system makes it possible for the creditor to get notifications on 17 types of events connected with changes in credit scores practically in online mode. For the banks, it is necessary to have an idea of these processes in order to prevent a customer from overdue payments or taking other loans from a competitor. The system will give an opportunity to the credit institutions to realize cross-selling, to change loan limits in an expeditious manner, to manage a troubled debt.

Задание 2
Напишите на английском языке аннотацию к тексту «Credit risks».

Задание 3
Переведите и вставьте в текст соответствующие слова и словосочетания (loans, bills, safe keeping, profit, withdrawals, percentage, joint-stock banks, deposit and current accounts, cash ratio, letters of credit, travelers’ cheques). Запишите текст.

COMMERCIAL BANKS
Banks are institutions which accept money from people for, lending it out to others and creating money by making and advances to customers. Commercial banks are providers of payment services and they act as financial intermediaries. They offer a variety of services such as. Banks make their by paying a lower rate of interest for the money they lend. In addition, modern collect and pay cheques, and dividends, open, issue etc. Since banks must always be able to meet demands for, they keep a certain e of their deposits in actual cash with the Central Bank. This so called is carefully guarded by banks through their credit policy.

Задание 4
Раскройте на английском языке тему «Банковские операции и услуги».

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