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TRƯỜNG ĐẠI HỌC NGÂN HÀNG TP HCM

KHOA NGOẠI NGỮ

BỘ MÔN TIẾNG ANH KHÔNG CHUYÊN

ENGLISH FOR BANKING AND FINANCE

FINAL TEST Duration: 60 minutes

Part A Vocabulary (15 pts)

I Match the words with the correct definitions (10 pts)

1 dispenser a) The remaining amount of money in an account

2 cashier b) Money paid into a bank

3 withdrawal c) An amount of money in an account

4 balance d) Note to a bank asking it to pay money from your account to a named

person or business

5 deposit e) Money in the form of bank notes and coins

6 cheque f) An amount of money deducted from an account

7 credit g) The removal of money from an account

8 debit h) A machine or person who counts out money

9 cash i) A container designed to give out money in regulated amounts

10.teller j) A clerk who pays out and receives cash at a bank

II Fill in the blank with the correct form of the words given in brackets (5 points)

A portfolio is a _ 1. (combine) of different types of investments It can include bank accounts, bonds, property, shares, mutual funds or any other type of investment _ 2.

(invest) use portfolios to _ 3. (minimum) risk They may _ 4. (loss) money in one area, but can make a profit in another Spreading risk by including many different types of investment in a portfolio is called _ 5. (diversity)

Part B Structures (15 pts)

Choose the best alternatives to complete the sentences

1 Customers can pay……….goods or services ……….cheque

2 With a bank card, the customer’s bank guarantees to payment……….a limit, say £50 or £100

3 “Mr Benson is on the phone for you.” “Can you tell him I _ him back later, please?”

4 In Britain the clearing system is operated ……… the Clearing House in London

5 If your portfolio is diversified, you have better ……… of making a profit.

6 Each cheque is fed……….a machine

7 The payee’s bank also prints the amount of the cheque in magnetic ink……….the bottom

8 “Banks are well equipped to………these problems

9 We need the money to………production

10 Companies have to………extra staff

11.They also have to ……… competition

12.Payment……….some form of non-cash instrument is very common

14.If everything is acceptable the computer ……… payment to the Central Switch

15 ‘What are Pilar’s plans for the future?’ ‘She _ an accountant when she leaves college.’

Part C Reading Comprehension (20 pts)

I Read the text below and then write T or F for each the statements that follow (10 pts)

TRADE DEBT

Most businesses rely on giving credit to their customers This is especially true in a free market where there are many suppliers competing to supply one product or service These businesses have to fight competition to get sales If their competitors are providing credit, they have to provide it as well They may not want to give credit but, when faced with the choice between making a sale with credit and not making a sale, they will prefer to give credit Competition forces suppliers to provide credit for their customers

This situation gives rise to the problem of debt collection A customer may pay a trade debt at the end

of the credit period, say one month, or delay payment for as long as possible Such a situation is harmful to the suppliers They may find themselves financing their customers’ production This is very expensive in times of high interest rate because their customers are using money on which the suppliers have to pay interest Also the suppliers may need the money to finance their own production In addition, they have to employ extra staff to send out second invoices and reminders

1 The suppliers are always ready to give credit to their customers

2 Debts will be paid immediately at the end of the credit period

3 Interest is not the only cost that the suppliers have to face with

4 There are permanent officer for collecting debts

5 Giving credit may help increase sale

II Read this email and answer the questions (10 pts)

To: Jane White

From: Pierre Bernard

Re: Alan’s visit to Paris

Dear Jane

I am writing to confirm some of the details of Alan’s trip to Paris next week He is arriving at 10.30 on Monday morning and I will meet him at the airport and take him to his hotel, the Hotel

de Varenne in the Rue de Bourgogne The schedule for Monday is as follows:

1 pm: lunch at La Ferme Saint-Simon

3 pm: meeting with Jean Dulac at IPC

8 pm: dinner with me and Marie Moreau

On Tuesday morning we are taking him to visit the factory in Massy We will have lunch there and then drive him to the airport in time for his flight back to London.

Please let me know if you need any further information.

Best wishes

Pierre

Part D Translation (10 pts)

I Vietnamese – English Translation (6 pts)

1 Ở Anh, người ta thường dùng tiền mặt trong những vụ mua bán nhỏ lẻ vì thế các nhà băng không phải giữ nhiều tiền mặt cho lưu thông

2 Trước đây, chuyển tiền điện tín là phương thức nhanh nhất để gửi tiền từ quốc gia này đến quốc gia khác nhưng lại tốn kém nhất

II English – Vietnamese Translation (4 pts)

1 The advantages of direct debit are mainly to the originator rather than to the account holder

2 Factoring is suitable for a wide range of service and manufacturing industries, but it is best if each customer does not produce too wide a range of products or services