Tiếng anh chuyên ngành tài chính ngân hàng

KHOA KẾ TỐN TÀI CHÍNH BỘ MƠN TÀI CHÍNH TÀI LIỆU HƯỚNG DẪN HỌC TẬP TIẾNG ANH CHUYÊN NGÀNH TÀI CHÍNH NGÂN HÀNG TÀI LIỆU LƯU HÀNH NỘI BỘ LỜI NĨI ĐẦU Tiếng anh chun ngành tài ngân hàng mơn học chun ngành chương trình đào tạo cử nhân tài ngân hàng nhằm cung cấp kiến thức chuyên ngành ngôn ngữ tiếng anh cho sinh viên ngành tài ngân hàng nhằm làm tiền đề giúp sinh viên đọc hiểu thông tin chuyên ngành tiếng Anh vận dụng kiến thức học để đọc tài liệu bổ trợ chuyên ngành cho sinh viên sau trường Quyển sách tài liệu Tiếng anh chuyên ngành Tài ngân hàng viết nhằm trình bày những khái niệm tiếng anh chuyên ngành tài ngân hàng, nội dung bao gồm phần sau: Phần 1: Tiếng anh chuyên ngành tài ngân hàng phần Unit 1: Personal Banking Unit 2: Commercial and Retail Banking Unit 3: Financial Institutions Unit 4: Investment Banking Unit 5: Central Banking Unit 6: Interest Rate Unit 7: Money Markets Unit 8: Money supply and control Unit 9: Venture Capital Unit 10: Islamic Banking Phần 2: Tiếng anh chuyên ngành tài ngân hàng phần Unit 11: Stock and Share Unit 12: Stock and Share Unit 13: Shareholders Unit 14: Share prices Unit 15: Bonds Unit 16: Futures Unit 17: Derivatives Unit 18: Mergers and Takeovers Unit 19: Financing Planing Unit 20: Taxation Tài liệu hướng dẫn học tập Tiếng anh chuyên ngành tài ngân hàng biên soạn giúp người học tham khảo, nắm bắt số nội dung liên quan đến tài ngân hàng vận dụng kiến thức học để đọc giải thích khái niệm chuyên ngành phục vụ cho công việc Tài liệu hướng dẫn học tập Tiếng anh chuyên ngành tài ngân hàng biên soạn điều kiện kinh tế nước ta có nhiều đổi sâu sắc đáp ứng nguyện vọng kết hợp lý thuyết thực tế để người học vận dụng kiến thức học vào doanh nghiệp sau trường Vì tác giả mong nhận góp ý bạn đọc để Tài liệu hướng dẫn học tập Tiếng anh chuyên ngành tài ngân hàng ngày đạt chất lượng cao Mọi góp ý xin gửi địa email: nguyenthingocthe@dntu.edu.vn Xin chân thành cảm ơn! Đồng Nai, ngày … tháng … năm 2020 Tác giả ThS Nguyễn Thị Ngọc The MỤC LỤC LỜI NÓI ĐẦU PHẦN 1: TIẾNG ANH CHUYÊN NGÀNH TÀI CHÍNH NGÂN HÀNG PHẦN 10 UNIT 1: PERSONAL BANKING 10 1.1 Current Accounts: 10 1.2 Banking Products And Services 10 1.3 E - banking 11 1.4 Exercises 11 1.4.1 Exercise 1: 11 1.4.2 Exercise 2: 12 1.4.3 Exercise 3: 12 1.4.4 Exercise 4: 13 UNIT 2: COMMERCIAL AND RETAIL BANKING 17 2.1 Commercial And Retail Banks 17 2.2 Credit 17 2.3 Loans And Risks 17 2.4 Exercises 18 2.4.1 Exercise 1: 18 2.4.2 Exercise 2: 18 2.4.3 Exercise 3: 18 2.4.4 Exercise 4: 19 UNIT 3: FINANCIAL INSTITUTIONS 24 3.1 Types Of Financial Institution 24 3.2 Deregulation: 24 3.3 Specialized Banks: 25 3.4 Exercises: 25 3.4.1 Exercise 1: 25 3.4.2 Exercise 2: 25 3.4.3 Exercise 3: 26 3.4.4 Exercise 4: 26 UNIT 4: INVESTMENT BANKING 31 4.1 Raising Capital: 31 4.2 Mergers and Acquisitions: 31 4.3 Consulting and Research: 31 4.4 Exercises: 32 4.4.1 Exercise 1: 32 4.4.2 Exercise 2: 32 4.4.3 Exercise 3: 33 4.4.4 Exercise 4: 33 UNIT 5: CENTRAL BANKING 38 5.1 The Functions Of Central Banks 38 5.2 The Central Bank And The Commercial Banks 38 5.3 Central banks and exchange rates: 38 5.4 Exercises: 39 5.4.1 Exercise 1: 39 5.4.2 Exercise 2: 39 5.4.3 Exercise 3: 39 5.4.4 Exercise 4: 40 UNIT 6: INTEREST RATES 45 6.1 Interest rates and monetary policy: 45 6.2 Different Interest Rates 45 6.3 Exercises: 46 6.3.1 Exercise 1: 46 6.3.2 Exercise 2: 47 6.3.3 Exercise 3: 47 6.3.4 Exercise 4: 47 UNIT 7: MONEY MARKETS 52 7.1 The money markets: 52 7.2 Common money market instruments: 52 7.3 Repos 53 7.4 Exercises 53 7.4.1 Exercise 1: 53 7.4.2 Exercise 2: 53 7.4.3 Exercise 3: 54 7.4.4 Exercise 4: 54 UNIT 8: MONEY SUPPLY AND CONTROL 59 8.1 Measuring money 59 8.2 Changing the money supply 59 8.3 Monetarism: 60 8.4 Exercises: 60 8.4.1 Exercise 1: 60 8.4.2 Exercise 2: 60 8.4.3 Exercise 3: 61 UNIT 9: VENTURE CAPITAL 66 9.1 Raising capital 66 9.2 Return on capital: 66 9.3 Exercises: 67 9.3.1 Exercise 1: 67 9.3.2 Exercise 2: 67 9.3.3 Exercise 3: 68 UNIT 10: ISLAMIC BANKING 73 10.1 Interest - free banking 73 10.2 Types of accounts: 73 10.3 Leasing and short - term loans 73 10.4 Exercises: 74 10.4.1 Exercise 1: 74 10.4.2 Exercise 2: 74 10.4.3 Exercise 3: 75 10.4.4 Exercise 4: 75 PHẦN 2:TIẾNG ANH CHUYÊN NGÀNH TÀI CHÍNH NGÂN HÀNG PHẦN 80 UNIT 11: STOCKS AND SHARES 80 11.1 Stocks, Shares And Equities 80 11.2 Going Public 80 11.3 Ordinary And Preference Shares 81 11.4 Exercises 81 11.4.1 Exercise 1: 81 11.4.2 Exercise 2: 82 11.4.3 Exercise 3: 82 11.4.4 Exercise 4: 82 UNIT 12: STOCKS AND SHARES 87 12.1 Buying And Selling Shares 87 12.2 New Share Issues 87 12.4 Exercises 88 12.4.1 Exercise 1: 88 12.4.2 Exercise 2: 89 12.4.3 Exercise 3: 89 12.4.4 Exercise 4: 89 UNIT 13: SHAREHOLDERS 94 13.1 Investors 94 13.2 Dividends And Capital Gains 94 13.3 Speculators 94 13.4 Exercises 95 13.4.1 Exercise 1: 95 13.4.2 Exercise 2: 96 13.4.3 Exercise 3: 96 13.4.4 Exercise 4: 97 UNIT 14: SHARE PRICES 101 14.1 Influences On Share Prices 101 14.2 Predicting Prices 101 14.3 Types Of Risk 101 14.4 Exercises 102 14.4.1 Exercise 1: 102 14.4.2 Exercise 2: 102 14.4.3 Exericse 3: 102 14.4.4 Exercise 4: 103 UNIT 15: BONDS 108 15.1 Government And Corporate Bonds 108 15.2 Prices And Yields 108 15.3 Other Types Of Bonds 108 15.4 Exercises 109 15.4.1 Execise 1: 109 15.4.2 Exercise 2: 110 15.4.3 Exercise 3: 110 15.4.4 Exercise 4: 110 UNIT 16: FUTURES 115 16.1 Commodity Futures 115 16.2 Financial Futures 115 16.3 Exercises 116 16.3.1 Exercise 1: 116 16.3.2 Exercise 2: 117 16.3.3 Exercise 3: 117 16.3.4 Exercise 4: 117 UNIT 17: DERIVATIVES 122 17.1 Options 122 17.2 In - The - Money And Out - Of - The - Money 122 17.3 Warrants And Swaps 122 17.4 Exercises: 123 17.4.1 Exercise 1: 123 17.4.2 Exercise 2: 123 17.4.3 Exercise 3: 124 17.4.4 Exercise 4: 124 17.4.5 Exercise 5: 124 UNIT 18: MERGERS AND TAKEOVERS 129 18.1 Mergers, takeovers and joint ventures: 129 18.2 Hostile or friendly? 129 18.3 Integration: 129 18.4 Exercises: 130 18.4.1 Exercise 1: 130 18.4.2 Exercise 2: 130 18.4.3 Exercise 3: 130 18.4.4 Exercise 4: 131 UNIT 19: FINANCIAL PLANNING 136 19.1 Financing new investment: 136 19.2 Discounted cash flows: 136 19.3 Comparing investment returns: 136 19.4 Exercises: 137 19.4.1 Exercise 1: 137 19.4.2 Exercise 2: 137 19.4.3 Exercise 3: 138 19.4.4 Exercise 4: 138 UNIT 20: TAXATION 143 20.1 Direct taxes: 143 20.2 Indirect taxes: 143 20.3 Non - payment of tax 144 20.4 Exercises: 144 20.4.1 Exercise 1: 144 20.4.2 Exercise 2: 144 20.4.3 Exercise 3: 145 20.4.4 Exercise 4: 145 20.4.5 Exercise 5: 145 PHẦN 1: TIẾNG ANH CHUYÊN NGÀNH TÀI CHÍNH NGÂN HÀNG PHẦN 1.1 UNIT 1: PERSONAL BANKING Current Accounts A current account is an account which allows customers to take out or withdraw money, with no restrictions Money in the account does not usually earn a high rate of interest: the bank does not pay much for “borrowing” your money However, many people also have a savings account or deposit account which pays more interest but has restrictions on when you can withdraw your money Banks usually send monthly statements listing recent sums of money going out, called debits, and sums of money coming in, called credits Nearly all customers have a debit card allowing them to make withdrawals and other transactions at cash dispensers Most customers have a credit card which can be used for buying goods and services as well as for borrowing money In some countries, people pay bills with cheques In other countries, banks don't issue chequebooks and people pay bills by bank transfer These include standing orders, which are used to pay regular fixed sums of money, and direct debits, which are used when the amount and payment date varies BrE: current account; AmE: checking account BrE: cash dispenser, cash machine; AmE: ATM ( Automated Teller Machine) BrE: cheque; AmE: check 1.2 Banking Products And Services Commercial banks offer loans – fixed sums of money that are lent for a fixed period ( e.g two years) They also offer overdrafts, which allow customers to overdraw an account - they can have a debt, up to an agreed limit, on which interest is calculated daily This is cheaper than a loan if, for example, you only need to overdraw for a short period Banks also offer mortgages to people who want to buy a place to live These are long - term loans on which the property acts as collateral or a guarantee for the bank If the borrower doesn't repay the mortgage, the bank can repossess the house or flat - the bank takes it back from the buyer, and sells it UNIT 19: FINANCIAL PLANNING 19.1 Financing New Investment Alia Rahal works in the financial planning department of a large manufacturing company: 'Financial planning involves calculating whether new projects would be profitable We have to of income we'd receive each year from the calculate the probable rate of return: the amount amount invested If we're going to finance a investment, expressed as a percentage of the total project with our own money, the rate of retum must be at least as high as we could get by depositing the money in a bank instead, or by making another risk - free investment, like buying Financial planning 41 new investments A Financing government bonds If we need to borrow money to finance a new investment, its projected rate of return has to be higher than the cost of capital - the amount we have to pay to borrow the money 19.2 Discounted Cash Flows We usually calculate the discounted cash flow value of an investment This means discounting or reducing future cash flows to get their present values - in other words, calculating the present value of money to be received in the future This is because the value of money decreases over time  Firstly, there's nearly always inflation, so cash will have lower purchasing power in the future: you'll be able to buy less with the same amount of money  And secondly, if you had the money now, you could get income by using or investing it The return we could get by investing the money in other ways is the opportunity cost of capital  So waiting for money is also a cost This is the time value of money: how much more it is worth to receive money now rather than in the future 19.3 Comparing Investment Returns "If we have to choose among possible investments in new projects, we work out the net present value (NPV) of each project by adding up all the expected cash flows, discounted to their present value, minus the initial investment To this, we have to select a discount rate or capitalization rate This is usually the interest rate we pay for borrowing the capital, but we could increase it if there's a lot of uncertainty or risk Discounting sounds complicated, but it isn't It's the opposite of compounding interest For example, if you invest $1,000 at 10% for five years, it will yield 1.61 times its original value So you get back $1,610, including 5610 compound interest A discount rate of 10% has a discount factor of one divided by 161, which is 0.62 So $620 invested now will be worth $1,000 in five years if it's invested at 10% When we're comparing alternative investments, we also calculate the internal rate of return (IRR) That's the interest rate or discount rate that gives a net present value of zero in today's money values In other words, the present value of the cash that we're going to receive from an investment is the same as the present value of borrowing that cash We normally choose the investment with the highest IRR 19.4 Exercises 19.4.1 Exercise March the words in the box with the definitions below, Look at A, B and C opposite to help you discounted cash flow purchasing power rate of return internal rate of return discount rate time value of money a series of future earnings converted to their value today the annual percentage amount of income received from an investment value of all returns the interest rate an investment earns when the present value of all costs equals the present future, because it could be invested during that period the difference between the value of money held now, and its value if it is received in the buy the value of money, measured by the quantity ( and quality) of products and services it can the interest rate used to calculate the present value of future cash flows 19.4.2 Exercise Are the following statements true or false? Find reasons for your answers in A and B opposite If a company uses its own money for a new project, there is no opportunity cost of capital A project financed by borrowed money requires a rate of return higher than the cost of capital Because of inflation, money will usually be worth more in the future than at the present The longer you have to wait for investment returns, the less their present value is 19.4.3 Exercise Match the two parts of the sentences Look at B and C opposite to help you Future cash flows are usually discounted If a project seems to be particularly risky or uncertain Money you possess now is worth more than money received in the future, because The net present value of a project is the sum of all the returns it is expected to provide When choosing among potential investments a) businesses look for the one with the highest internal rate of retum b) by the cost of the capital involved in the investment c) discounted to their current value d) it can earn interest in that time, and there might be inflation e) you can increase the discount rate you use in your calculations 19.4.4 Exercise Over to you: “What return can a company get on risk - free investments in your country today? What is the minimum rate of return a company would require on an uncertain new investment? TRANSLATE INTO VIETNAMESE ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… 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……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… UNIT 20: TAXATION 20.1 Direct Taxes Governments finance most of their expenditure by taxation If they spend more than they levy or charge in taxes, they have to borrow money Direct taxes are collected by the government from the income of individuals and businesses  Individuals pay income tax on their wages or salaries, and most other money they receive  Most countries have a capital gains tax on profits made from the sale of assets such as stocks or shares This is usually imposed or levied at a much lower rate than income tax  A capital transfer tax (commonly called death duty in Britain) is usually imposed on inherited money or property Other names for this tax are inheritance tax or estate tax  Companies pay corporation tax on their profits Business profits are generally taxed twice, because after the company pays tax on its prohts, the shareholders pay income tax on any dividends received from these profits  Companies and their employees also have to pay taxes ( called national insurance in Britain) which the government uses to finance social security spending - unemployment pay, sick pay, etc BrE: corporation tax; AmE: income tax 20.2 Indirect Taxes Indirect taxes are levied on the production or sale of goods and services They are included in the price paid by the final purchaser  In most European countries, companies pay VAT or value - added tax, which is levied at each stage of production, based on the value added to the product at that stage The whole amount is added to the final price paid by the consumer In Canada, Australia, New Zealand and Singapore, this tax is called goods and services tax or GST  In the USA, there are sales taxes, collected by retailers, levied on the retail price of goods  Governments also levy excise taxes or excise duties - additional sales taxes on commodities like tobacco products, alcoholic drinks and petrol  Special taxes, called tariffs, are often charged on goods imported from abroad Income tax for individuals is usually progressive people with higher incomes pay a higher rate of tax (and therefore a higher percentage of their income) than people with lower incomes Indirect taxes such as sales tax and VAT are called proportional taxes, imposed at a fixed rate But indirect taxes are actually regressive: people with a low income pay a proportionally greater part of their income than people with a high income BrE: petrol; AmE: gasoline 20.3 Non - Payment Of Tax To reduce the amount of income tax that employees have to pay, some employers give their staff advantages instead of taxable money, called perks, such as company cars and free health insurance Multinational companies often register their head offices in tax havens - small countries where income taxes for foreign companies are low, such as Liechtenstein, Monaco, the Cayman Islands, and the Bahamas Using legal methods to minimize your tax burden – the amount of tax you have To pay – is called tax avoidance This often involves using loopholes – ways of getting around the law, because of an error or a technicality in the law itselt Using illegal methods – such as not declaring your income, or reporting it inaccurately – is called tax evasion, and can lead to big penalties 20.4 Exercises 20.4.1 Exercise What are the standard names for the tax or taxes paid on the following? Look at A and B opposite to help you alcoholic drinks and tobacco products company profits goods bought in stores money received from relatives after their death salaries and wages goods made in other countries money made by selling stocks at a profit 20.4.2 Exercise Find words in A and B opposite with the following meanings an adjective describing taxes on revenue or income a tax that has one rate that is the same for everybody money paid by the government to sick and unemployed people a tax that has a higher rate for taxpayers with a higher income an adjective describing taxes on consumption or spending 20.4.3 Exercise Are the following statements true or false? Find reasons for your answers in A, B and C opposite Capital gains are generally taxed at a higher rate than income The same sum of money can be taxed more than once Sales taxes can be both proportional and progressive at the same time Excise duties are extra sales taxes on selected products Many international companies have their registered headquarters in small countries where they only a small proportion of their business Employees will generally pay less tax if their employer reduces their salary a little and provides them with a car Tax avoidance is illegal Perks and loopholes are forms of tax evasion 20.4.4 Exercise Find five verbs in A and B opposite that can be used to make word combinations with ' tax ” 20.4.5 Exercise Over to you: “In your country, what percentage of national income goes to the government as tax? Do you know how this compares with other countries?” TRANSLATE INTO VIETNAMESE ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… EXERCISES Exercise 1: Exercise 2: Exercise 3: Exercise 4: ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… Exercise 5: ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… ……………………………………………………………………………………………… TÀI LIỆU THAM KHẢO [1] Ian MacKenzie, Professional English In Use, 2012,Cambridge University Press [2] Sara Helm, Accounitng and Finance – Market Leader, 2010, Pearson Education Limited [3] www.cambridge.org/9780521616270 [4] www.market-leader.net ... ĐẦU Tiếng anh chun ngành tài ngân hàng mơn học chun ngành chương trình đào tạo cử nhân tài ngân hàng nhằm cung cấp kiến thức chuyên ngành ngôn ngữ tiếng anh cho sinh viên ngành tài ngân hàng. .. đọc hiểu thông tin chuyên ngành tiếng Anh vận dụng kiến thức học để đọc tài liệu bổ trợ chuyên ngành cho sinh viên sau trường Quyển sách tài liệu Tiếng anh chuyên ngành Tài ngân hàng viết nhằm trình... ngân hàng viết nhằm trình bày những khái niệm tiếng anh chuyên ngành tài ngân hàng, nội dung bao gồm phần sau: Phần 1: Tiếng anh chuyên ngành tài ngân hàng phần Unit 1: Personal Banking Unit 2: