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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) Match the words with the correct definitions (10 pts) I dispenser cashier withdrawal balance a) b) c) d) deposit cheque credit debit cash 10 teller e) f) g) h) i) j) The remaining amount of money in an account Money paid into a bank An amount of money in an account Note to a bank asking it to pay money from your account to a named person or business Money in the form of bank notes and coins An amount of money deducted from an account The removal of money from an account A machine or person who counts out money A container designed to give out money in regulated amounts A clerk who pays out and receives cash at a bank 10 Fill in the blank with the correct form of the words given in brackets (5 points) II A portfolio is a _ (combine) of different types of investments It can include bank accounts, bonds, property, shares, mutual funds or any other type of investment _ (invest) use portfolios to _ (minimum) risk They may _ (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 _ (diversity) Page Part B Structures (15 pts) Choose the best alternatives to complete the sentences Customers can pay…………….goods or services …………….cheque A for / by B with / in C to / through With a bank card, the customer’s bank guarantees to payment…………….a limit, say £50 or £100 A up B up to C in “Mr Benson is on the phone for you.” “Can you tell him I _ him back later, please?” A call B will call C am going to call In Britain the clearing system is operated …………… the Clearing House in London A in B at C with If your portfolio is diversified, you have better …………… of making a profit A goals B changes Each cheque is fed…………….a machine C chances A into B by C on The payee’s bank also prints the amount of the cheque in magnetic ink…………….the bottom A on B along “Banks are well equipped to………………these problems C in A handle B take We need the money to………………production C settle A pay B finance 10 Companies have to………………extra staff C cash A work B manage 11 They also have to …………… competition C employ A defeat B fight C battle 12 Payment…………….some form of non-cash instrument is very common A by B through C in 13 Unfortunately, the price of staple items is …………… A falling B rising C rasing 14 If everything is acceptable the computer …………… payment to the Central Switch A guarantee 11 B authorizes 12 13 Page C checks 14 10 15 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 The suppliers are always ready to give credit to their customers Debts will be paid immediately at the end of the credit period Interest is not the only cost that the suppliers have to face with There are permanent officer for collecting debts 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 Page 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: pm: lunch at La Ferme Saint-Simon pm: meeting with Jean Dulac at IPC 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 When is Alan flying to Paris? Who is meeting him at the airport? Where is he staying? What is he going to after lunch on Monday? Who is he having dinner with on Monday night? Page Part D Translation (10 pts) I Vietnamese – English Translation (6 pts) Ở Anh, người ta thường dùng tiền mặt vụ mua bán nhỏ lẻ nhà băng giữ nhiều tiền mặt cho lưu thông Trước đây, chuyển tiền điện tín phương thức nhanh để gửi tiền từ quốc gia đến quốc gia khác lại tốn II English – Vietnamese Translation (4 pts) The advantages of direct debit are mainly to the originator rather than to the account holder 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 Page