Ebook Tiếng Anh trong giao dịch ngân hàng quốc tế: Phần 1

Banking Transactions Tiếng Anh trong giao dịch ngân hàng quốc tế là cuốn sách song ngữ kèm bài tập, bài giải và chú giải dành cho doanh nhân và những ai muốn trau dồi thuật ngữ và các tình huống sử dụng chúng trong giao dịch ngân hàng quốc tế. Sách được chia thành 2 phần, mời các bạn tham khảo phần 1 cuốn sách.

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tiện lợi chưa từng có cho khách hàng Trong đó, có một số địch vụ áp dụng các

thành tựu máy tính đã có những bước đột phá Chẳng-hạn, với “dịch vụ ngân

~~ hang tai nha” (home banking), hau nhu bạn rất ít khi | phải đến ngân hàng Phần lớn các giao dịch giữa khách hàng và ngần hang déut thông qua máy tính tại nhà nối mạng với ngân hàng Các nghiệp vụ phong phú khác như chuyển tiền tức thời (instant transfer), thanh toán bù trừ (cleafing), sử dụng séc (cheque), sử dụng

các loại thẻ (card) như thẻ tín dụng, thể thanh toán, thẻ rút tiển mặt Cùng các

nghiệp vụ khác như thuê mua (lease purchase), cho thué tai chinh (leasing), bao

thanh ton (factoring), cac phương»thức- thanh toán, tài trợ (finance) trong xuất

nhập khẩu, tư vấn (advising) cho khách hàng, thanh toán SWIFT, CHAPS, CHIPS, BACS tất cả được đề cập Yong cuốn sách này

Hiện nay người làm việc: trong ngành ngân hàng cũng như người có giao dịch ngân hàng ngày càng ! tảng Cuốn “Banking Transactions” chuyén vé Tiếng Anh trong giao dịch ngân: 'hàng quốc tế đã có mặt tại nhiều nước Chúng tôi chọn dịch, trình bày sòng ngữ, chú giải từ khó cùng với phần bài tập da dạng

kèm đáp án, hy vọng sẽ đáp ứng được phần nào mong rmuốn tìm hiểu của các bạn Nếu bạn có thể đọc-hiểu những bài reading (bài đọc, có phần dịch di kèm) thì việc hoàn thành các bài tập sẽ không gặp khó khăn nào đáng kể

Cuốn sách cần thiết cho các bạn trẻ dang được dào tạo thành các nhân

viên ngân hăng tương lai, cho các bạn mới vào ngành ngân hàng Cuốn sách

cũng đáp ứng nhu cầu của các bạn là khách hàng của ngân hàng - những người

muốn biết khái quát các nghiệp vụ ngân hàng, đặc biệt là thuật ngữ và cách sử

dung: chúng trong các tình huống giao dịch ngân hàng

gO Chúng tôi xin gửi lời cám ơn một số đồng nghiệp ở Vietcombank TP.HCM

ˆ`'đã dành thời gian đọc và góp ý kiến qúy báu cho các bài dịch

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* Unit 3; PERSONAL ACCOUNTS

Tài khoản cá nhân

e Unit4:INTERBANKELECTRONCS `

Kỹ thuật điện nt LignHang - Se

Mử tài khoản doanh nghiệp & y :

* Unit 6: FACTORING SERVICES», 83

Nghiệp vụ bao thanh soát 4

Tư vấn cho goa Henk nghiép 98

Tai try ult khẩu (phân căn ban)

Ae thi dich vụ ngân hàng

e -Unit 10: AMADA (EXPORT FINANCE) 154

KY Tài trợ xuất khẩu (phần mở rộng)

“e_``10 phần bài tập tương ứng cho 10 Unit

_ Bài dịch sang tiếng Việt toàn bộ các bài đọc (reading) cho ¡0 Unit

Phan Tapescripts

Phan Answer key (đáp án của phân bài tập)

Phân Glossary (chú giải từ khó bằng tiếng Anh)

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drawer draw'ee (drawers ban “payee a’mount in words

amount in ‘figures cheque ‘1 ‘number account ‘number sort code

‘signature of dr' awet date ‘counterfoil ' crossing

The Ane vit 8 Thecheque 9 The BO ENG wrsccsiscsssivis 11 Theamountin 12 The drawer's

jn a wae ace code number justine =, cata aR

Crossed cheque (n) : Séc thanh toán chuyển khoản Drawee (n) : ngân hàng của người ký phát Drawer (n) : người kỷ phái (Séc): - ln'words : (tiền) bằng chữ

In figures ` ¡ uiến) bằng số Cheque clearing , sự thanh: toán Sác

A Counterf> | (n) : cuống (Séc) - - Cheque cardtn) : Thẻ Séc

SY Sortcode n) : Mã chỉ nhánh Ngân hàng :

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WWW.DAYKEMQUYNHON.UCOZ.COM

-—-—-_—_—

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Supply one word or phrace'tr TA the list below for each numbered space

(Some words are usedAwice

SN Bocas De yo:

cash lines - Rests, paid crossing vorder crossed make out payee identity drawee ngàn account bearer person open

The great advantage of using (1) for payments is that you don't have te

carry largéamounts ‹ of (2) around with you Your money remaitts in : your bank (9 .„ whereTt is safe ftom loss or theft A cheque is serie an

(4) 2 writing to your bank to pay money from your Ba, to, at somenite else “This can be done anywhere without going near a bank Aes

xà

A

You simply Ohi ,„ the cheque and give it to the payee You are the nm? 3 |

sabia : your bank is the (8) and the person you are paying is the @Ÿ;

te Số ` YNowadays cheques are usually printed with two (10) „ down the middle

N which are cailed the crossing A (11) cheque means the money can,

into a bank account i the cheque is crossed ‘Account (J 3)

— ’ jt can only be paid into the account of the(14) named on the

chang Ôn the other hand an (135) shea can be cashed, if the (16)

has written "HN Cash' or Pay! (17) instead af the name of a Cheques without & 6b, | ố lines printed on them are (19) cheques and can be cashed or paid into the payee's bank In this case a letter of

authority from the drawer is needed and proof of (20) from the bea#er

_ nộp vào

; người cầm (Séc) _+8&c vô uanh : người được thanh lần

: thư ủy nhiệm

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This catd can This card can

be used for be used for EFTPOS getting cash from

an ATM

used for?

+ “ˆComplete the passage, supplying one word or phrase from the bax from

“each numbered space,

| sortcode cheque

If customers want to pay

pe (2)

*

of the customer’

The salesperson also make

is the same as the signatu

Ws same as.on the (ad —

Bank card (n): : : thể ngân hàng

EFTPOS: -máy chuyển tiền điện tử tại diểm bản +, "hàng

ATM: máy rut nee w động

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way! the customer's bank (4)

limit guarantees signature number bank |

for goods or services by cheque, they can use their

card tơ guarantee their cheques In a shop, the salesperson will ask to see the card or cheque‘guarantee card The salespersan will write down the

s bank card on the back of the (3) In this

payment up to a £5SÚ or £100 (5)

sisi on the cheque

of the bauk is

c x.e BPEL Y Ít CC ÀZ KẾ? € [uy 11 CÀ! 4? ses«c«sss+

es sure that the customer's (6)

re on the bank card The (7)

also on the bank card This number, and the name of the bank, should be the

Account holder (n) : chủ tài khoắn Sorl eoda (n) : mã số chỉ nhánh _ Expiry date : ngày hết hạn

Magnetlc Stripe(n) : dải băng từ

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WWW.DAYKEMQUYNHON.UCOZ.COM WWW.FACEBOOK.COM/DAYKEM

L E — Discussion IV: Grammar and vocabulary | |

S Ask and answer questions about cheques and cheque guarantee ty cards, using the examples and the nates below You may add questions of & vour own if you wish

| Asking about identity | What is the sort comet |

E camples:

What is the sort code? It's the number which identifies

the bank and branch =>

What is the account number? _ It's the number which ⁄ fy) s

Who is the drawer? He or she is the person who <C NY

writes the cheque kề, a) cone the drawee? (~

hì tưng payee?

cÌ _ .Crossing?

'¡ NI” counterfoil? Sey c) -„- A Cheque guarantee card? #*4 Ÿ 'INNH an open cheqtte? C4 ge) : ees crossed cheque? `

BỊ se exe bearer cheque?

j} ” eee bank card?

| Asking about purpose | What is it for?

Example: hes Whiat is the sort code for? It’ lor Mentfying the bank which

issued the cheque j AS `

a ae the account nùïñher (or?

HO cammeõí the CTORSING) for?

CE G148 a bank tard for?

NT confnterfoil for?

The sheque clearing system

> In Britain a cheque may be drawn anywhere without being taken to a bank,

a I\ rriay be given to the payce either directly or sent by post No signature of a

“bank official is needed The payee sends or takes the cheque to his bank

ye ‘hich credits the amount to his account and sends the cheque ta be presented

“to the drawer's bank through the clearing system The payee's bank also prints the amount of the cheque in magnetic ink at the bottom

The clearing system is operated by The Clearing House in London, of which the high street banks are members Every day the Clearing | louse clears

dA millsons of pounds’ worth of cheques Each cheque is fed into a machine

«Sy TÚ which reads the numbers printed in magnetic ink along the bottom The-

A Clearing, ffouse adds up the total amount each bank owes towach other bank

\y and reconciles the difference in the banks’ accounts with the Bank af England

(the central bank of the UK) The cheque is then sent to the drawer's bank

——>-——

Bearer cheque (n) : Séc vô danh Clearing House (n) : Trung tâm thanh toán b> trừ Crossed cheque {n) : Séc thanh loán chuyển khoản Counterfoil (n) : cuống Séc

“` (n) : Sẻc mở - Sort code {n) : mã chỉ nhánh

: nhận diện Drawer (n) : người ký phát (Séc)

ity inh Drawee (n) : ngân hàng người kỷ phảt Sác

Y Reconcile (v) : bù trừ, điểu hỏa Payee (n) : người được thanh toán

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which debits the drawer's account This process, from the time when the

IS payee pays the cheque into his/her bank until the cheque is debited to the he drawer's bank account, takes three days

3 vn ,

Payment by some form of non-cash instrument, such as cheques, is SOA ` SJ common in the UK that only 8 per cent of the total money supply is jñ thế

form of nates and coins People normally use cash only for small purchases

20 so the banks du not have to keep much cash in circulation 4 “N y

SS

~ - Sometimes the drawer's ban may decide not to honour a cheque’” it may be because there is not enough money in the drawer's ac count or the cheque may be incorrectly written In such cases the drawer's bank ‘returns the cheque to the payee's bank marked with the words ‘Refer to drawer’

earl Bank of England \

2 † W k 4 (6_ . bank of the UK} ,

AY Accounts of Clearing Banks

f= -“ : +f— +j-

Circulation (n) : sự lưu thông

Circulate (v) - : lưu thông Honour (v) - chấp nhận thanh toán

Clearing bank (n) : ngân hàng tham gia TT bủ trử Drawer (n) ; người ký phát Séo - Payee (n) ; người được thanh toán Refer lo đrawer : viết tt là R.D

Instrument (n) :phudng tién, céng cy ( thanh | "Tra soát người ký phát

toán )

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2 Now supply the correct word for each numbered space If you cannot `

remember them all, look back at the complete passage for the answers A

In Britain a cheque may be (1) anywhere without being taken to a Q1 It may be given to the (3) either directly or by post

No (4) of a bank official is neeđed The (5) sends or takes the CO

cheque to his bank which (6) the amount to his/her account anđ(7) — „`7

“ : the cheque ta be presented to the (8) bank through the clearing 4A Y system The payee's bank also prints the amount of the cheque in magne =

ink atthe bottom _ AS

The clearing (9) is operated by the Clearing House in London of which

the high street banks are (10) Every day the Clearing Houselears

millions of pounds (11) of cheques Each cheque is fed intova (12) —

which reads the numbers printed in magnetic ink (13) the bottom ‘The ©

Clearing House adds up the total (14) bank owes to cach other bank

._ and (15) the đifference in the banks' accaunts with the Bank of (16) sisi (the central bank of the UK) The (17) is then sent to the drawer's

bank which (18) the drawer's account This process; from the time when the (19) pays the cheque into her bank until the C20 saicivenns is debited to the drawer's bank account, takes (21) , hs: ~ Hays

Payments by some form of (22) instrum - Rùch as cheques, is so C23) scassnis in the UK that only 8 per cent of the ay money supply is in

the form of notes and (25) People normally use cash only for small

tKcesaa so the banks do rot have to keepimich (27) in circulation:

Sometimes the drawer's bank may decid? not to (28) a cheque It may

‘be because there is not (29) toneyin the drawer'saccountorthe -

cheque may be (30) written The drawer's bank returns the cheque to’

the (31) bank marked with th ‘words ‘Refer to (32) 1

Word matching

X 1 "-

3 Match each of the banking verbs on the left with the correct explanation

on the right (The stress occurs on the first syllable except where shown.)

RS

Verb _ Explanation ˆ 4 credit - ‘pi ss a cheque through the clearing system ;

debit (©) ‘write a cheque

honour, ` — make two ac'counts agree pre ‘seri < tá change an ac’count draw ¿ ¥ move round the country

clear ' draw two lines dawn the middle of a cheque L % 8

(roS8 add money into an ac count :

reconcile show and ask for payment

A “a'djust ¬

S›circulate sub'tract money from an ac count

Sy

; thanh toán bù trừ Clreulatlon (n) : sự lưu thông ttiển a)

; người ký phát (Sóc) Circulate (v) : lưu thông

-, xuất trình, nộp ' - Clearing House tr) : Trung tam thanh win _

: tử tính Reconclle (v) : bủ trừ điều hòa, tu

; chấp nhận thanh toán

10

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b) Acustomer can pay (3) with/by/injfor cheque for goods or services,

c) With a bank card, the customer's bank guarantees payment (4) down tojup tofalong withfover a limit, say £50 or £100 ` d) Whenan account holđer pays a cheque (5) forlintofinfudthinher bank, the

hank credits the amount cf the cheque (6) inftry/forjto her, account and sends the cheque to be presented (7) at/to/totwards/over the drawer's bank

—e) InBritain the clearing system is operated (8) injoithJforlEy the Clearing

House in London - aS aa f) The Clearing House adds up the tota! each bank owes to each other bank

- and reconciles the difference (9) iniforlbylof the banks’ accounts (10) atjon/by/vith the Bank of England `

g) This process, from the time when the pa é pays the cheque

(11) atfinside/by/into her bank until (gheque is debited (12) at/tofin/by

the drawer's bank account, takes thtee days

h) Payment (13) under}withjinfoy Some form of non-cash instrument, such as cheques, is very.common ithe DK

“Account holder (n) : chủ tài khoản

Diesen VI: Mesalkg) ad Grammar |

1 Practise the quealiiey from the tape and answer them, using the

an account holder pays a cheque into her account?

each other bank?

when the cheque is sent to the drawer's bank?

When people make small purchases?

ones when people make large purchases?

CS” when there is not enough money in the drawer's account?

What happens if .?

2 Practise the questions from the tape and answer them

a) suse if someone wants to pay for something in a shop by cheque?

DP: Gọi if the drawer wrole the cheque incorrectly?

C: aiane if the drawer forgot to sign his name?

.đ) lÝa cheque is not crossed?

3 Whatis the difference between questions using wher and those using if?

Paysø (n.): người được thanh toán: -' ib

<<, , Đlearltg Heise (n) - : Trung tâm thanh toán bù trừ Non-cash InstrumenÌ (n): phương tiện tianfi tdán

>) Reconcile {v) : bù trừ, điểu hòa - - na không đùng tiền tnặt:

Drawer (n) - : người ký phát Sác Payment(n): sự thanh toắn Tin)

Outcome(n)ạ :kếtquả Deblt (v.): ghi nợ "hp

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11

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Why? and other Wh- questions a 4

[aa] 4 Use the notes on the right to help you answer the questions on the left CY

(The questions are on the tape.)

a) What does the payce's bank do when (Amount printed

itreceivesacheque? ln Clearing House) b) Why are cheques fed into a machine? (machine can read

c) Why are the numbers printed in magnetic ink along the bottom of the cheque ? d) How are they processed in the {totals each iankeene

Clearing House? accounts reconciled)

e) When is the cheque sent to the (after processing? msc drawer's bank? GÀ

ị f} How long does the clearing process take?

- g) Why is such a smali proportion of the (eticient clearing system /

money supply in cash? payment by cheque)

4 h) Why might the drawer's bank (mạn Yeason ./not enough

decide not to honour a cheque? 9y )

Incorrectly made-out cheques x x y

If a bank finds a mistake in a chequé it wil return the cheque to the

drawer So banks normally examine all cheques to make sure they have

been correctly made out Jae is alist of the ways in which a cheque can

be incorrectly made out ye

Post-dated to a future date —

Amount in words not the same as the amount in figures

Currency in which chequé made out not available

Signature not the asa) signature of the account holder Cheque signed by someone else other than the account holder Cheque unsigned)

Correction incheque not initialled by the drawer

Amount in Words not written ‘ Amount: in figures not written

10 Part of the « cheque illegible (= unreadabie)

11 Not: ‘enough money inthe account, (or not enough credit)

12 Cheque damaged

13 Thờ: cheque becomes illegal if the drawer dies, goes mad or becomes

yw bankrupt

“ ,

Ax, of the above mistakes can be identified by the payee's bank who can

„ © teturn the cheque to the payee But some of the mistakes can only be

el Se identified by the drawer's bank

Which faults in the above list can be identified only by the drawer's bank?

é asco <5 Account holder(n) : chủ tải khoản

A Gurrency (n) : tiền tệ In words : bang ch?

dN tigurềe : bằng số Clearing Hou§e (n_ : Trung tâm thanh loắn bù trừ

;›_ Illegible (adj): khơng đọc được Magnetic (adj) tử tính Bankrupt (adj) : vỡ nợ, phá sản Payee (n)¬ : người được thanh tốn Makẹ 0ut (v) : ký phát, viết (Séc) Drawer (n) : người kỷ`phát Séc -

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The first to spot all the mistakes in the cheques is the winner The first,

one has three mistakes The second one has four mistakes “ — ˆ

ds Soh sey ae nen a Be

Ñ i oie os ` trợ NT ch N He 1 vi k M2 £ ` ote © ECE i oe

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ma Listen to the recording of a ‘phone conversation between Mr Symonds and ak,

“his bank and complete the script as Clerk Manara Lombard, May T help you?

Symonds Yes, I have an account with you and I have just tesegae:c-vp ii TDUXP

cheque to pay for a second-hand car The engine has fallen’ S

out and [ want my if ¬%v

Clerk if you give me the _ of the cheque, [can Ss y

a _ onit for } you, sir äaà-

Clerk It's.a simple matter, sir If you want to payment,

you tell us and we refuse to pay the cheque v when is:

Symonds So, how can 7 E> Ð Clerk First, give me the : —_ _

Symonds Yes,it’s —— - iu one, Š ne eight

Clerk Oh two one, four nine eight? Ke 2»)

Symonds _ That’sright- - - ˆ A ¥ ee Clerk And your account number? , A X ®`

Symonds ft any Nis _ eighty four

Clerk Right, one two one nine four Is

that right? ’ Nà a Le

Symonds Yes, that's it Ly

Clerk And who was the cheque vất, ?

Symonds The ny aS John Gardener

Clerk Thats _ — `

Symonds Yes, @_Ÿ

Clerk And whatdvas.the _ of the cheque, sir?

Symonds It was four = ` Barakonia dinars

Clerk Thank you lalsoneedtoknow _

ct of the cheque

Symonds ltwas the 18th of June

Clerk Fine, you leave it to us,sir We will = —

Works in pairs, one as customer and the other as banker Customers `

¬ ỳ vy telephone bankers to stop the cheques listed below

4 Account Cheque Payee ; Amount Date baa number number

` a) 14321765 098765 ThomasMatthews$§38 - 3rd April

b) 16471815 000023 GiantStoresLtd £79.50 12th December

c) 17651066 034567 ExpressRepair BDnrs 5O 6th August d) 12151389 765321 Star Restaurant £31.74 Ist July

Banker (n): người của ngân hàng Payment (n) ; sự thanh toán (chỉ trả)

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This unit cantains the English you nced to understand and'talk about

different kinds of plastic money `

Plastic money (n) ;tiền nhựa (các loại thẻ Ngân hàng)

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| adjectives verbs nouns

: cấp tín dụng

; ta lệnh chỉ trả

; rút tiền mặt : thé tin dụng : thé thông minh

1 '

1

4

‘ '

* '

Which sentences apply to banks? =

Which sentences apply to the banks’ cunt Y

A2

Reading I ar? |

Plastic he re oa (Note: This is simply an introduction More details about the different kinds

Plastic moncy is the riven to all types of of plastic card which are used

in place of cash T e are different names for these cards but in general they have two main purposes: to enable people to obtain cash; or to make payments withoul using cash or cheques

Banks now mae dvailable to their customers a single card which does three things: it guarantees cheques (like a bank card or cheque guarantee card); it obtains cast-from automatic teller machines (ATMs); and it pays for guads by electronic fiinds transfer at point of sale (EFTI’OS)

A fourth’ use for plastic cards is to give customers credit when they purchase q4 nds ¢ or services Credit cards are issued by credit card companies such as

A eee ss, Mastercard, Visa, American Express Some of these are owned by

“hanks, Charge cards (American Express, Diner's Club) are similar to credit

° cards except that the halder has to pay the account in full cach month and there is also an annual membership fee

Debit cards are like credit cards except that they are used to debit (subtract) money to the customer's bank account when a purchase is made An existing credit balance is reduced But when a credit card is used, a debit balance is increased

The latest development in plastic money is the Smart Card This carries a

microchip on it with account information on the holder It can also carry information about previous transactions which can be viewed at enquiry terminals Clearly such a card could also be used to carry non-banking information, such as medical and other personal details

ATM: may nit tiiển mat ty động EFTPOS : máy chuyển trả tiền tại điểm bán hàng Charge carơ : thẻ thanh toán

Debit card : thé ghi ng

Subtract (v) : trừ

Debit balance : số dư nợ

17

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a) All plastic money is used for making payments and giving crit ⁄

b) All plastic money is used for making payments or getting cash

cì It is possible to combine a bank card, cash card and clectrgnh) mui card all in one card

d¥ All plastic money can be used to obtain cash

e) Plastic money avoids the use of cash )

f) Credit cards and debit cards may both be used wpe goods in shops

a) What sort of card would a bank account holder use to obtain money

when the banks are closed? ® CA

b) What sort of card is used to Paya for røoodsi in a supermarket or petrol

station without cash, cheque eor credit card? `

c) What sort of card would a ‘hop sk for if its customer wanted to pay for

Cash dispenser, autorhatic teller machine or cashpoint are some of the names

given to machines ftom which customers can withdraw money from their bank accounts; using their cash cards They can do this at any branch of their

bank a | the branches of other banks which are linked to their bafik

5 (Nolte: Inthe USA, the teller is a person receiving and handing out money in

a bank This occupation is called cashier in Britain.)

With the cash card, customers also receive a PIN or personal identification _number which they should memorise This number is kept secret even from ( the’staff of their branch When using the dispenser, customers insert the card 0` cand key the PIN number in By following a clear set of instructions which

KR appear on the video screen, they can wilhdraw cash up to a certain limit,

py check the balance of their account or deposit money

+ ý Not ali banks provide the same automatic teller services Examples of

“SY services available from customers’ own branch machines are account

15 information, orders for new cheque books and deposits of cheques and cash

Own-branch machines may also issue mini-statements of account, showing

deposits just made and the current balance

N Ỳ ‘Cash card (n) : thể rút tiền mặt Memorise (v) : nhớ thuộc lòng

<<" Sart of card : loại thẻ —— Diapansger (n) : máy rút liền h/ động

Account holder (n) : chủ tài khoản Mini-atatement(n) : tờ saokê rút gọn Cashler (n) : nhân viên thu, chỉ tiến (ở Anh) Teller (n) : người máy chỉ trả tiền mặt

PIN : mã số nhận biết cá nhân Cashpoint (n) : điểm rút tiền mặt

Daeposit money(n) : tiền gửi Withdraw {v) : rút liền mặt

{8

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Withdrawal (n) Deduct (v) Transaction (n) Pay into (v)

dispenser teller cashier withdrawal baiance deposit

_ credit debit cash —

c) Arecord of the financial transactions of a persón or ‘business

d) Anamount of money in an account ® Z

Note to a bank asking it to pay money fromyour account to a named person or business ` `

1 Meney in the form of bank notes andcnins

y) - Anamount of money deducted from afyaccount

h} The removal of money from an aécount

i) A machine or person who counts out money

j)) Acontainer designed to a money in regulated amounts

k) A clerk who pays out ge receives cash at a bank

2 Without looking back Sd Yrending passage, supply one word from the

passage for each numbered space

Cash (1)

Tr Yy

“ „ auemliic Vi ó machine or cashpoint are some of the

names given to machines from which customers can (3)

their bank accountsusing their (4)

hư ~e‹

5 theirbank- (of

» money from

cards They can do this at any

of Aheir bank and the hư he of other hanks which are linked ta

¢: Inthe USA, the teller is a person receiving and handing out money in a bank This occupation is called (6) in Britain.) With the cash card, customers also receive a (7) or personal identification number which they should memorise This number is kept secret even from the staff of their branch When using the dispenser,

⁄

io .€sfomers insert the card and key in the PIN number By following a clear

“gel of instructions appearing an the video screen, they can withdraw cash up

&s ,» toa certain (8) , check the (9) _ of their account or deposit money

2 3“ Notallbanks provide the same autorratic teller (10) Examples of

ss services available from customers’ own branch machines are (11) .-

` 15 information, orders (or new cheque books and (12) of cheques and

cash Own-branch machines may also issue mini- (13) of account, showing, deposits just made and the (14) balance

Plastic money ; tiến nhựa : rút tiền Dispenser (n.) : máy rút tiền tự động : sự rút tiền Occupation (n) : nghề, việc làm:

_; trừ đi, khấu đi PIN : mã số nhận biết cá nhân

: giao dịch Cashier (n) : người thu, chi tiền ở ngân hàng : nộp vào Taller (n) : máy, người chỉ tiến mặt

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"` he eee LTA ACER re „củi, k5 <' 90410) MNVVAIGVVSviese0inen2 4222H-A7V «900% 94967 TC mác Tự TỰ 2x42 nr

———-¬

~—~

Noun-noun word partnerships

AL

3 In these phrases, the fi irst noun acts like an adjective, e.g cheque boa”

How many two-word phrases can you make? |

debit transfer cheque machine bank information video terminal cash fee

identification balance statement

Verb-noun word partnershipa - 3

4 Choose the best verb to cong ae each sentence

a) The bank is charging roving / giving requesting a minimum rate of 8.per cent for the idan »

b) They wrote to the-bank asking it to provide/sell /make/offer a credit of

£10,000 for ont year”

c) Banks have/giv make/offer available various means of payment

d) You can obtain/become/dispense/grab cash at any time of the day or

night <S,

: e) sesh machines give/make/reveal/sell information about

° : 0: Hate iaintin/ hold /keep/guard secret all information about their

customers

gh They paid/awarded/gave/credited the money to his wife's account

h) “Nowadays it's easier to refund /draw/take/remove money from your

Ww account than to pay money in

AL When you buy something you show your credit card to the seller The seller

4 Án takes the details of your card:- the number, the credit limit and the expiry

oy date You sign the seller's voucher (making two copies) which he uses to CXY collect payment from the credit card company For this service the retailer + 5 pays a Íee (around 4 per cent of the value œf the transaction) Each month the

Sy credit card company sends the cardholder an account which lists that

AQ month’s transactions and interest*charges

4 - “S »

“TY

‘Oe ldentificalion(n) — : sỤ nhận biết

,=> 'Dispense (v) : phân phát, ban Grab (v) : tÓfh, vô

> » Terminal (n) : máy lính trạm Reveal (v) : tiết lộ

NY Statement (n) : sao ké (tal Khoan) Maintain (v) : duy trì, bảo quần

A” Make available : chuẩn bị sẵn Award (v) : lặng thưởng

Y Membership (n) : hội viên Refund (v) : trả lại (liền vay)

r 20

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or mugged Also if your card is lost or stolen, your account cannot he used &S Y

by another person, provided that you report the loss immediately Another, — advantage with some cards is that, if you pay your accaunt in full cach, “ month, you payne interest In effect you have a continuous interest- EY

loan

The advantage of credit cards to retailers is that, by making credike Si

available, sales can he increased, and because no money changes hands they

have added security because there is less cash on the premises: On the ather hand, because of the 4 per cent fee the retailer faces increased costs charged

by the credit Card company This cost is added to the prices of goods There

is also an administration cost because retailers have to keep records, total up

sales vouchers and pay them into theirbanks za ye _ `

lhe cardholder signs three copies of each voucher tne for himself, ane for

the retailer and one for the bank The bank cfedits t the retailer's account for

the value of the vouchers, debits its credit card “company account and sends the vouchers to the credit card companyy The ‘system varies from bank to bank Some banks debit the commissic on dye on the value of the vouchers to the trader's account

RY

When tlw credit card company receives the vouchers it pays the banks

through the clearing system the-valùe of each retailer's total sales minus the

commission At the same tiÃng Ít, debits the cardholders’ accounts and sends

theny a statement each month Ly

The number: of lost andetstén cards are put into a computer network which Iists all last c;edit cards These lists are constantly updated and shopkeepers and other retailers.ón the network can quickly check if a credit card

presented by a custonier has been stolen or lost, by passing the card through

their computes termi:

: cửa hàng Due (ad)) : đến kỳ hạn

r Make phrases by matching words from the left-hand column with words

⁄ from theright hand column

card terminal

interest date

ae limit credit

21

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FEDER PRE b26246; 3 sa YS pOT RETIN RY NEES hố

2 Match the expressions on the left with the words of the same meaning — S

‘ bank card cheque card

cash machine purchase (uv & n) use (v & 11) charge(uden) -

supply ( & mì) cash {z && #1) (>) premises credit (v & m) `”

3 Malch the words on the left with the wid of oppasite meaning on the

sale (m) _Splie (n) x

debit (1 & v) <`disad vantage (n)

reduce (t} A a withdraw (v)

deposit (n & v) A Y cost tr & m)

advantage (1) credit (v & 1)

price (v & m) increase (t' & 11)

customer (1) 5) purchase (v & n)

AC At the end of the month the credit card company sends a statement of

” Cardholder pays by cheque or lets debt grow

Bank credits the retailer's account for the value of the vouchers and debits the commission

Retailer completes voucher

Bank sends vouchers to the credit card company

Credit card company pays hank minus commission,

Retailer sends vouchers ta his bank

Retailer checks that the signature on voucher is the same as thal on the credit card

Customer hands in credit card

Credit card company debits cardholder's account

aw ) K Customer signs voucher and takes goods

+ L— Retailer checks card in computer terminal to check that the card ham net

& "7 _ been reported lost or stolen

statement (n) : 890 ké oS v ATM (1) ; : máy rút tiền tự động

Cardno)der (n) : chủ t›ể Deposit (n) : tiền gửi (vào tài khoản)

Commission(n) — : liền hoa hổng Deposit (v) - : gut (tién vao tai khoắn}

Retailer (11) : người bán lẻ Credit card (n) : thể tín dụng Computer termine! (n) : may tinh tram Bank card (n) - : thể ngân hang

22

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} hunaa-a-ae way to do shopping (no need for cash or cheque book)

2 S§ (Money can't get stolen or Jost) ha

1 Temptation to overspend and sd g get into debt

2 Higher prices of goods and services (to pay the cost of the credit card

service) AMY a ry

“ Sy

TS ïN

—

To the seller

W fÍuaseessaez nh costs

2 4percent f 4 05% to the credit card company

3 Prices to all nh Äe have to be to pay the a

costs and commission

EFTPOS `

EFT pos is exactly what it stands for : Electronic Funds Transfer at Point of

„ Sale: The cost of goods is transferred electronically at the point of sale from

Ag ‘the customer's bank to the seller's bank The point of sale is at the

, Supermarket or petrol station where customers use their plastic cards to pay for goods The sales person swipes (passes) the card through a card reader which reads the information on the magnetic strip on the back of the card

The card reader enables the cash terminal computer to send the customer's

details via telephone wires to a Central Switch The card details are wicoded

for security The Central Switch selects -he carrec: bank and sends the card

details to the customer's bank's processor which checks the following information:

& Authorisation Checklist

- ‘ Has the card been reported stolen?

"hs 15 A The expiry date of the card

› : 4 The value of the purchase

F Encode (v) : mã hóa Swipe(v) - : chấp nhận

AY

` Temptation (v) : sy cam d& Readar (n) : may doc

Get into (v) : mắc vào, lâm vào _ Authorisation (n) : sự cấp phép

cs Overspend (v) - : xài quá khả năng Administrative cost: chi phi quan iy

SY Transfer (v) : chuyển Commission (n) : tiến hoahồng

EFTPOS: hệ thống chuyển trả tiền tại nơi bán hàng Processor (n) : bộ xử lý máy tính

Plastic card (n) :thénhya - Central switch (n) : máy tính trung tâm

23

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5 _Is there enough money in the customer's account?

6 The retailer's identification number

7 The retailer's terminal number

if everything is in order, the customer's bank's processor sends a coded A authorisation to the Central Switch which sends the message to the shogf `

The shop's terminal confirms the payment, issues a réceipt for the customer

to sign and the customer can take the goods away At the same time the

Central Switch transmits the value of the transaction to the shop's‘bank’ if the

payment is not authorised the customer has to find another way‘to pay for

the goods `

After three days the customer's hank debits the vatue of the purchase to his or

her accuunt Meanwhile, also after three days, the shop’s bank credits the shop's account with the value of the poods * WS Ny _s

'/BANK OF ENGLAND \ System 10 card > COMMUNICATIONS

ok (Central Bank) - _ ese sằẰe NETWORK

| Accounts adjusted / so Baal { J

+ 3

Customer's bank -t25 Customers accou"l te aha: 8_ —_ days oo

= Terminal (n) : máy tính trạm Retailer (n) : người bán lễ

Kp in order 7 : đúng quy định Transaction (n) : (sự) giao dịch

SS’ Processor (n) : bộ xứ lý máy tính "ldentlflcaton(n)ạ : : sự nhận biết

Central switch (n) : máy tính trung tâm Transmit (v) : chuyển, truyền

Magnelic strlp(n) : dải bảng từ tỉnh Authorisatlon(n) : sự cấp pháp

Authorise(v-) : cấp phép _

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Trang 24

Using the right verb

2 Complete the sentences using the correct verb from the box

authorise check _ collect confirm encode

guarantee report _ Swipe select transfer

“a) The retailer the card through a card reader ata terminal

—b) The information is before being sertt via the telephone system to“

ensure its security x

c) The Central Switch the right bank TS d) “After being paid by credit card, the retailer has to „ Payment from

the credit card company iy”

e) The different systems have to payment to the seller, Cc»

f) The cardholder's bank's computer the information it receives

g) Ifeverything is acceptable the computer Switch —

h) The display on the terminal payment

i) A cardholder should the loss of a card to the xám immediately

j)} The manager of my bank has been

Adjectives and nouns

3 Match the adjectives onthe left with thenouns on the right

iy ne »

Adjectives magnetic

plastic

interest-free automatic central

¢) luffS of information which have to be nade sure of before permission

canbe | given to do something (2 wards)

d) Time when a card becomes no longer valid (2 teords) øƒ¬ Official permission (Í tru)

(TK, Expressed ina sceret language (1 word)

& `'Ăuthorlae (v) : cấp phép 3 Magnetic (ad|) :riờtÍnN -

`7 Transfer (v) : chuyển cho Terminal reader (n) : máy đọc trạm

Transfer (n) : sự chuyền (tiền) Collect (v) : thu hồi (ng) Securtty (n) ; ®Ự an toàn ˆ Centrat switch (n) : máy tính trung tâm Cardholdar (n) : chủ thả Check-out tll(n) : quấy tính tiền

25

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3 Complete these notes on the fún tan pf plastic money

a) Obtaining ees from - machines when the is closed

a) Some: people argue that credit cards make it too easy for peopie to get into< debt which they can't afford Should a bank limit whom they issue

credit cards to?

bh) The cost of credit cards is added ta the price of goods This means that

2 cugtamers who pay cash subsidise those who do use credit cards for

“interest-free credit [s this fair? [f not, what can be done abcut it?

Getting money from a cash dispenser ts risky Someone might see you

and rob you How can banks give protection to customers using their cash machines at night?

EFTPOS are more of a help to banks than ta customers Customers can casily pay by cheque or in cash, Why have EFTPOS?

ce) It can be very risky to rely on plastic money If you lose your cards you lose everything In the UK 5,000 cards are lost or stalen each day How can banks minimise the losses through stolen cards?

Plastic monay(n) : liền nhựa

EFTPOS ; hệ thống chuyển trả tiền tại nơi Credit card (n) : thé tín dụng

ban hang ‘ Falr (ad|.) : hợp tý ⁄ ;

Retailer (n) : người bán lẻ Subsidise : phụ cấp, phụ phí Get into (v) : mắc vào (nợ) Risky (adj) : nhiều rủi ro

Cost (n) ; phí Limit (n) : hạn mức

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Trang 26

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Type of card: Type of card: | KY

Card number: Card number: Cc» :

Name of cardholder: Name of cardholder”

Card number: _ \Y Card number:

Name of cardholder: “- y `7 Name of cardholder:

Trang 27

“Yes we can extend your overdraft but first I'd like

a little more grovelling from you please”

Trang 28

To attract more customers, and to provide for their various necds, the banks have developed kX ts

4 Yy

L Cheques and cheque clearing (Unit 1) 6 Credit transfers (Unit 3) Lv

2, Credit cards nd charge cards (plastic moncy) (Unit 2) 7, Banker's drafts (Unit 3) A `

3 EFTPOS (plastic money) (Unit 2) & Telegraphic transfer (Unit: 3)

4 Standing orders (Unit 3) 9 Instant cash transfers errr

5 Direet dcbits (Unit 3) (Numbers 7 and 8 are sometimes called remittances) y

Reference No to be quoted (if any) RY Date

Date of first payment aed

Special Instructions (if ony) Yy

¬v Draft (n) : hối phiếu | Credit card (n) : thẻ tín dụng

NN) Remittance (n) : sy chuyén tién Quote : trich dan

Payee (n) : người được thanh toán Reference (n) : sự tham chiếu

32

Trang 29

Standing orders are useful for regular outgoings such as rent, electricity, gas

and telephone bills They are also used for large monthly items over long \Y

periods such as mortgage payments (= buying a house) or car purchager x7 The customer fills ina standing order mandate like the one on page/29/

giving his own and the payee's account details, along with the date of the first and last payments 4 ỳ

In the customer's statement of account, all the standing ordet paythents are marked ie and entered in the debit column

Verb; Larger deposits os higher interest rate

They were € other immediately

Adjective: | His bank offers nứng) k«cc: rates of interest

The manager was.an woman

- Naww: Pavarotti was §lar at the concert

The neh tie vice was an in added at the bank

+ >

b) - Verh: hac a low wage it was impossible for him to his

Banks have to bad debts

Adjective:< RD) oe goVernment was appointed until elections could be

Adjective: Some kind of body is needed to control the banks

Noaun: Thế vá don't allow export of large amounts of capital, , d)

Verb: They the market with a new pocket computer

Thieves - the house-and-stole-a painting

Noun 1: The standing order is shown as a debit in the customer's

statement of account

Noun 2: There is a guard at the

They explained the conditions of to the European Community, during the meeting

After 1989 oa abolished

to the bank

interest rate (n) : lãi suất 7 :

Abolish (v) ; bãi bỏ, hủy bỏ Mortgage (n) ; nợ thế chấp

Commercial bank (n): ngan hang thudng mại: ; Mandate (n) : tờ ủy nhiệm

SO =Standing Order : ủy nhiệm chỉ Debt (n.) : khoản nợ Outgolng (n) : khoản chỉ tiêu ` Remittance : sự chuyển tiền

33

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Trang 30

Examples for study:

Verb: We have , £340 to your suppliers

Noun: Notice the difference between

1 remitter = the sender of a remittance - ^S ¬

2 remittance = money sent by postorthroughabank , a ,

We look forward to receiving your remittance.< +7

3 remission = forgiveness AY

He was imprisoned for five years but gained three

years’ remission for good behaviour _ '`` £

4 remission = repayment of tax EX

Verb; They the contents of the house

Noun: The first ‘on the agenda for the meeting Non the

Chairman's report XS} ⁄

He telephoned the bank to ask them ‘about Fy on his

account B`= a

Verb: Prices , at the same lev 1 for several years

She at the vn the bank

Adjective: We havea invitation to visit them

There is a neg sate ‘dispute between the two neighbours

buy :

complete

A Wy Without looking back at Reading I, complete the passage *

` supplying one word for each numbered space:

To (1) more customers, and provide for their (2) needs, the banks

have developed different (3) of payment

Standing orders are useful for (4) outgoings like rent, electricity, gas

and telephone bills (5) dre also used for large monthly (6) over long periods, such as mortgage PP csicasus (= buying a house) or car (8) _>

& eS > emisin (n) : sự miễn giảm Standing order(n) : ủy nhiệm chỉ

oy ’ emitter (n) : người chuyển tiền Invitation (n) : giấy mời -

“Sy Remittance (n) : số tiển chuyển Leaflet (n) ˆ ¿tờ bướm (quang cáo)

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Mandate (n)

34

Trang 31

DRE SR RRR Err cv 2V 3ec AM XE 27y 964 Peter gle , ề c2 919 123 VÀ? 492 “hang m9 99 ae NT an Go ad sa sống va co Gv STENT GTS TP MITER LTA ro ni

The customer completes a standing order (9) like the one on page 29 giving details of his (10) and the payee's account, along (11) the <

date of the first and (12) ¿ payments ˆ aS =

In the customer's statement of (13) all the besiending order Paymaster CTE) ~ SO and entered in the debit (15)

„ ctedilor/payee) rather than to the account holder (the debtor /payer)

Firstly, it is cheaper to operate So large organisations such as a telephone

company which have to draw regular payments from thousands of people,

, can reduce their billing costs considerably From their point of view, if they

10, can direct debit all their customersthrough the banking system each month it becomes much cheaper administratively than receiving payments by , standing order Itis certainly Tauch cheaper than sending each customer a bill each month and waiting/ta teceive payment

Another advantage is thatthe creditor can vary the date of the direct debit,

15 which can help its‘tash flow position, and also the amount to be debited

where this is subject to Variation

if the payer distgrees with a direct debit, he can simply instruct his bank to stop the paymenty Then he has to settle the disagreement with the creditor

Companies which operate direct debit billing, such as British Telecorn, say

he reduction in costs adds to their efficiency and they can pass on this increased) efficiency to their customers in the form of lower charges But there is) some doubt about this because it is widely felt that it is the

shareholders of the company who benefit, not the consumers

20

_ \fhere have also been complaints about direct debiting of National Insurance

“25> tsocial insurance tax); if an excess amount has been debited the payer cannot

\S/ get the money back until after the end of the year

ỳ e) The amount of money held at any one time (three words)

SY f) Person or organisation to whom money is owed: (one word)

+ g) ° More output for less effort or cost (one word)

Orglnator (n) : người khởi đầu Consumer (n) : người tiêu thụ

Payer (n) : người thanh toán liền Authorise (v) : cho phép, ủy quyền Payee (n) ; người được thanh toán ` Regularpaymen : hanh toăn thường kỳ Billing cost : chÍ phí hóa đơn Ingurance(n) : bảo hiểm

Doubt (n) : sự nghị ngờ : Excesa amount(n) : tiến thừa

Creditor (n} : người ghi có (bán hàng) Elflciency (n) : hiệu quả Direct debit(n) ˆ : ghỉ nợ trực tiếp z_ §hareholder (n) : cổ đông

Cash flow (n): lưu lượng tiền, chu chuyển tiển Account holdar(n) : chủ tài khoản

Trang 32

Name Mark ‘X" in one of the following boxes and read the instructions carefully

Address WE Budget Account ~ 12 Times a year

Complete Section A (parts | to 3) AND Section B (parts 1 to 5) where not =>

Postcode _ already completed Retain the yellow copy for your records and retum the te j i

BT Ref Number and pink copies to BT (address shown below) A,

BB Quarterly Direct Debit - 4 Times a year : Complete Section B (parts 1 » ế"

ONLY, Please return all three copies to BT {address shown below) Ñ

I Change of Bank ~ Existing direct debit customers only Complete Section B (Parts 1 to 5) ONLY Please retum a three

copies to BT (address shown below) Your daytime telephone no for BT use only BS

Budget Account Application Section A Ty

CREDIT ARGEEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974, SEE REVERSE FOR GENERAL CONDITIONS AND YOUR RIGHTS WHICH FORM PART

OF THIS AGREEMENT

Es Monthly Payment Amount

12 times a year

We aay of the Month you want

your payment direct debited (1* to 28 th only)

€ ` \

BT may increase your monthly Budget Account payment if you exceed

your credit limit # you achieve a credit balance excteding your credit limit the balance will be refunded to you and-BY may vary your

monthly payment BT may vary your credit limit from time to time, You

Will redeve at lease 14 days notices of any change in your monthly Payments or credit limited requied

There is no charge lor vi under the Budget Account

argreement (0% APR) = 4

~~ we

Lay

_ “Month of your first Payment 2.Thisisa Credit Argreement regulated by the Consumer Credit Act

f Your Credit Hit 1974, Sign it only # you want to be legally bound by its terms

(3.5 times your Monthly Payment) Signature of customer(s)

For BT use only Date of signature(s)

Budget Account acceptance, signed on behalf of steréd customers only

British Telecomunications Pi

Signed Date

Batish Telecommunications pic, Registered Office 81 Na Steet LONDON ECIA 7A) Registered in England no 1800000

VAT Rigisteration number 245 7193 48

‘Direct Debit Instrucion Section B FOR BANK / BUILDING SOCIETY USE ONLY

¥ NO ACKNOWLEDGEMENT REQUIRED

1, To the Manager

ALY * The amounts are variable 8nd may be debtted on various dates

2 Bank/Building Society Sort Code » {/ We understand that 8T may change the amount and dates

sages Posie J Gy only after giving me/us prior notice

3 Your Bank/Building Sản vo Number « lƒ We will inform the Bank/Building society in writing # I/We wish —

(Last box for Girobank custom only) to cancel this instruction

« Ie understand that if any direct debit is paid which breaks the terms of this instruction, the bank will make a full refund

Date PPL 12A1t2, Delta Pomt, 35 Wellesley Road, Croydon CRI 2¥Z

Pha on 's Identification Number 850611 (Address Above)

: báo tin On behalf : nhân danh

: ghl nợ trực tiếp Achieve (v) : đạt được

Budget account application: giấy trả tiền làm Reverse (n) : ngược lạt

> Retain : giữ lại Break (v) : phạm, vi phạm

Exceed (v) : vượt trội VAT Rag No : Mã số thuế VAT

38

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Trang 33

ea SIND! PRD IEEE RIERA ET ED ree N SETA! + errr ““e<seecenssee3 “` 7Ô `1 es

h) People or institutions who have invested money ina company (one A

j The UKsocial security fund (two words) aS

_k) Anoverpayment (two words) =>

4 àỳ

2 Use theverbs in the box (which may be found on the direct debit form

or in Reading fl) to complete the sentences 4S \

quote settle trace ~ make out instruct_ mm

authorise operate draw originate weak vary a) The other countries hoped that the dmeenes icon the two sides in the war could be ¿„ 1n ‘Geneva

b) His statement showed that he had , £150 from his account in July Ad)

c) For standing orders and direct debits thecustomer has to

forms provided by the bank

d) Direct debiting is a system by ail payee (or creditor)

to CCH payment rm w:

e) But first the accaunt holder hasto.<., A wine the bank to t6 i24 the system <./ ey

f) The amount to be paid and t the date 0Ý payment can be

slightÌy by the payee <“ — ¬ g) When writing to their: bank, customers should the account

number or the reference number of the direct debit

DY ƯWE se ssoeec „é:›ÿOU to pay direct debits from my/our account at

the request of the gas company

i) The bank Mepspfuse LO recasincanaceresnars direct debits from some types of account Sy

j) — The bet was unable to _ an earlier payment

3 None Sealrite the sentences below with eleven of the verbs from the bos (The words in italics carry the meaning of the replacement verbs.)

v4

ay= When you write to us, please lef us know your account number

` Prague airport.shop.will only take US dollars in payment

48) YY’ Tomatoes came from America,

(=z) 4

The building will be finished in 1994

I took some money out of my account last week

The forefathers of many American presidents can be found in Ireland

(Use hack io.)

Please write me a cheque for £5,000

The manager has been tald by head office to expand the business in Barakonla

Barakonia Airlines rtt< a flight to Bratislava, every Monday

The purchase must be allowed by the manager

The debt must be prid before the end of the year

Listen ta the dialogues on the tape, paying particular attention to

pronunciation and stress Repeat after the tape, then practise with a

partner,

Quote (v) ; trích dẫn _ Orlginate (v) : khởi đầu ˆ

Setile (v) : thanh toán Statement (n) : sao kê (tài khoắn)

Maké out (v) : ký phát, viết (Séc) Direct deblt : ghi nợ trực tiếp

Authorise (v) : cho phép, cấp phép Trace (v) : truy tim

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