新概念英語第四冊
Lesson 12 Banks and their customers
1 . But, in addition to that basically simple concept,除了這一基本的簡單的概念外，
2 . Primarily, the banker-customer relationship is that of debtor and creditor----銀行與儲戶的關係主要是債務人和債權人的關係。
3 . When anyone opens a current account at a bank,任何人在銀行開一個活期賬戶，
4 . either in cash or by drawing a cheque in favour of another person.提取的方式可以是取現金，也可以是開一張以他人為收款人的支票。
5 . the bank must recognize its customer's signature.因為銀行有責任辯認出其儲戶的簽名。
6 . The bank must obey its customer's instructions, and not those of anyone else.銀行必須遵照儲戶的囑托辦事，不能聽從其他人的指令。
7 . For this reason there is no risk to the customer in the practice,因此，這種做法對儲戶毫無風險。
8 . unlike, say, a buyer of goods, cannot complain that the law is loaded against him.但是儲戶不能像貨物的買主那樣來抱怨法律對自己不利。
9 . It makes no difference that the forgery may have been a very skilful one:即使偽造得很巧妙，也不能付款，
10 . He gives the bank specimens of his signature,他把自己簽名的樣本交給銀行，
11 . When, for example, a customer first opens an account,比如，儲戶首次在銀行開戶時，
12 . Many of these obligations can give rise to problems and complications but a bank customer,其中許多義務往往引起問題和糾紛。
13 . the bank and its customer owe a large number of obligations to one another.銀行和儲戶彼此還需承擔大量義務。
14 . and there is a very firm rule that the bank has no right or authority to pay out a customer's money on a cheque on which its customer's signature has been forged.銀行沒有任何權利或理由把儲戶的錢讓偽造儲戶簽名的支票取走。
15 . who is which depending on whether the customer's account is in credit or is overdrawn.究竟誰是債務人誰是債權人，要看儲戶的賬戶是有結餘還是透支。
16 . he is lending the bank money, repayment of which he may demand at any time,就等於把錢借給了銀行。這筆錢他可以隨時提取，
17 . he instructs the bank to debit his account only in respect of cheques drawn by himself.囑咐銀行他的存款只能憑他本人簽字的支票來提取。
18 . adopted by banks, of printing the customer's name on his cheques.某些銀行已採用把儲戶姓名印在支票上的作法。
19 . If this facilitates forgery, it is the bank which will lose, not the customer.如果因這種作法出現了偽造的話，受損失的將不是儲戶，而是銀行。