新概念第三册学习英语句库第四册.pdfVIP

When anyone opens a current account at a 任何人在银行开一个活期帐户， bank, he is lending the bank money, 就等于把钱借给了银行。 repayment of which he may demand at any 这笔钱他可以随时提取， time, either in cash or by drawing a cheque in 提取的方式可以是取现金，也可以是开一张 favour of another . 以他人为收款人的支票。 Primarily,the banker-customer 银行与储户的关系主要是 人和债权人的 relationship is that of debtor and 关系。 creditor-- who is which depending on whether the 究竟谁是 人谁是债权人，要看储户的帐 customers account is in credit or is 户是有结余还是透支。 overdrawn. But,in addition to that basically simple 除了这一基本的简单的概念外， concept, the bank and its customer owe a large 银行和储户彼此还需承担大量义务。 number of obligations to one another. Many of these obligations can give rise 其中许多义务往往引起问题和纠纷。 to problems and complications but a bank customer, unlike,say,a buyer of goods,cannot 但是储户不能像货物的买主那样抱怨法律对 com in that the law is loaded against 自己不利。 him. The bank must obey its customers 银行必须遵照储户的嘱托办事，不能听从其 instructions,and not those of anyone 他人的指令。 else. When,for example,a customer first opens 比如，储户首次在银行 时， an account, he instructs the bank to debit his account 嘱咐银行他的存款只能凭他本人签字的支票 only in respect of cheques drawn by 来提取。 himself. He gives the bank specimens of his 他把自己签名的样本交给银行， signature, and there is a very firm rule that the bank 对此有一条非常严格的规定：银行没有任何 has no right or authority to pay out a 权利或理由把储户的钱让 储户签名的支 customers money on a cheque on which its 票取走。 customers signature has been forged. It makes no difference that the forgery 即使 得很巧妙，也不能付款，因为银行 may have been a very skilful one: the bank 有责任辨认出其储户的签名。 must recognize its customers signature. For this reason there is no risk to the 因此，某些银行已采用把储户 印在支票 customer in the modern practice,adopted 上的作法。这种做法对储户毫无风险。 by some banks,of printing the customers name on his