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tài liệu tiếng anh tài chính ngân hàng cho các bạn sinh viên trường cao đẳng kinh tế đối ngoại, giúp các bạn có tài liêu tham khảo, học tốt hơn, Trường Cao Đẳng Kinh Tế Đối Ngoại TPHCM TÀI LIỆU TIẾNG ANH (ROLE PLAY) Bộ môn: Tiếng Anh Tài Chính Ngân Hàng
Trường Cao Đẳng Kinh Tế Đối Ngoại TPHCM TÀI LIỆU TIẾNG ANH (ROLE PLAY) Bộ môn: Tiếng Anh Tài Chính Ngân Hàng ROLE l: A: Good morning, Mỹ Have a nice day! B: Ok Mức Thanks Have a nice day, too! A: Thanks Hey Mỹ Our bank has just offered ''e - saver'' account B: Oh Really? It is coincidence! Our bank have just offered “ regular saver” account to customers Could you tell me some information about your service to compare the terms and conditions of 2 kinds of account It’s very interesting for customers who want to open the account A: Ok, go ahead! I think it is very necessary B: That's right Do you know how much minimum deposit can customer open account? A: Of course I know It’s £1 Beside that it not only provides telephone and Internet banking but also allow customer to withdraw immidiately B: Hmm It likes our “ regular saver” terms and conditions Also, How about overdraft facility, higher interest rate for higher balances, monthly deposit each month and ATM card A: “ e-saver” account doesn’t offer overdraft facility and higher interest rate for higher balances for customers I think it only suits for parent or business because it doesn’t ATM card but it can help customers pay bill without going to the bank B: I know In our bank, “ regular saver” account has offered all terms and conditions Only arrange transaction online doesn’t implement As far as I know students and employees likely use this account because it has automatic withdraw system It’s advantage for them A: Yes, I see B: Ok, Each account has different terms and conditions to choose Thank you for your information Good bye! A: No problem Bye ROLE 2: A: Good morning, Mỹ Have a nice day B: Ok Mức Thanks Have a nice day, too A: Thanks Mỹ As you know, our MGS bank are considering whether to invest substantially in its 30 branches, or whether to try to encourage its customers to use the telephone and internet So, now, I want to discuss this problem with you and make the best choice Do you have any idea? B: I think we should invest substantially to 30 branches Because I find that recent research shows that attractive branches bring in customers who will buy more banking products So, I expect that a majority of customers will always prefer to go to a bank branch What do you think? A: Yes, I understand what you mean But I'm not sure I agree with you there I believe that within few years online banking will inevitably lead to closure of most branches People will only use their internet connection and telephone, cash dispensers, and will hardly need to go into a branch So, I think we should encourage customers to use it B: I'm not sure I think most of customers will always prefer to go to a bank branch Because of, Internet banking is complicated with many people A: So, what will you do to improve bank branches? B: I think we should invest substantially in relocating branches in shopping centers, and redesigning them - making them friendlier, selling refreshments, opening longer hours, and so on I would like larger counselling areas, where financial advisors could recommend banking products and services to customers, and deal with their problems A: We can't find clearly benefits of branches Beside that, these are mostly older people who have never used computers, and this will not be the case in the future B: Why do you think that? A: Consequently I think that any money spent on improving branch services will be wasted The bank’s IT staff do not need offices in expensive locations like high streets or shopping malls B: Ok I understand Let's show me what will you do? A: We can invest to improve intemet connection and a variety services If our customers are business people or officer, they will not bring a huge amount of money to go out for shopping or investing So, they just need smartphone or card to pay anything B: Ok That sounds nice And I agree with your idea Can you handle this? A: Yes, I will do it right B: Thanks for your suggestion Now, I must go to the personnel officer See you again A: Ok Bye bye ROLE 3: A: Good morning, Mỹ Have a nice day! B: Ok Mức Thanks Have a nice day, too A: Yes, thank As you know, today we’ll discuss to choose the priority customer who our bank should make the loan Let’s look at two loan applications and give me some your opinion B: In my opinion, I'll choose the film production company They needs to borrow $2 million to complete a movie currently in production And the loan would be repaid in nine months’ time when the film is released, if it is successful A: I don't think I will agree with you! This company has not made a profitable film for three years, so the risk of non- payment becomes too great B: I know you are worried However, the film features two actors who have made a lot of successful films in the past, which can attract attention from much people and they can expect high turnover A: um hum! I think you are very optimistic B: So, what about your suggestion? A: Personally, I think the manufacturing computer components should be priority Its factory is operating 16 hours a day and the company is producing and selling twice as much as expected B: I think that’s a quite impressive result However, it has to pay its suppliers after 30 days, and its customers only pay after 60 days, so it has an enormous cash flow problem Are you sure this company can have ability to pay interest and repay loan? In addition, the credit line the company has arranged is inadequate A: You may be right! But I’m still not confident to think the film production company is an alternative selection B: I see But, remember that riskier loans can be more profitable for the bank A: oh I think you persuaded me Can you make a preliminary recommendation to present to Board? B: I’ll do that I think that’s all Would you like to go out for lunch? A: Good idea! See you later B: Goodbye! ROLE 5: Role 5 A: (calling) B: Hello ! Bank's call centre is speaking How can I help you? A: Hello I'm calling from Capper Trading We have a couple of export orders coming up, but we don't know how we have to arrange transport, insurance, custom documentation and so on So, I want to know at all clear about some of the conditions B: Well Perhaps I can clarify them for you That's what I'm here for! What do you want to know? A: Ok Can you tell me how FAS and FOB terms are different? B: Of course As you know FAS means ''Free Alongside Ship'', This price includes transport as far as the port, the buyer pays for loading onto the ship, shopping and insurance Also, FOB means ''Free On Board'', in other words the seller's price also includes the cost of loading the goods onto the ship A: Sorry, I don't quite follow you Can you explain it again? B: Well Easier to understand than FAS terms, the cost of loading the goods onto the ship will be paid by the buyer Otherwise, in FOB terms, this cost will be paid by the seller A: Oh I understand So, the difference between DES and DEQ? How? B: You want ask DES and DEQ Right? A: Yes B: DES means "Delivered Ex Ship" It is defined as the seller makes the goods available to the buyer on board the ship, whereas DEQ means "Delivered Ex Quay ( Duty Paid )" the seller makes the goods available to the buyer on the quay or wharf, and pays the import duties A: Umm Sorry! Did you mean by the DES terms, the seller will deliver the goods to the buyer on board the ship and the DEQ terms, the goods will be delivered on the quay or wharf? B: That's right ! A: Ok And, can you tell me under which circumstances the seller is responsible for arranging and paying for insurance against damage to the goods during transportation? B: In the CIF and CIP terms In addition, also have the D terms group includes DAF, DES, DEQ, DDU and DDP A: Sorry Did you say "DIF" B: Yes, CIF It means Cost, Insurance and Freight A: Ok There are CIF, CIP, DAF, DES, DEQ, DDU and DDP terms, right? B: Well That's right A: And, finally, I don't know that whether DDU ( Delivered Duty Unpaid) and DDP (" Delivered Duty Paid) apply in the European Union B: Of course Both terms apply in the European Union A: Oh right Ok, thank you very much B: My pleasure Good bye