通译文库

(1). When anyone opens a current account at a bank, he is lending the bank money, repayment of which he may demand at any time, either in cash or by drawing a cheque in favor of another person.

任何人在银行开活期存款户头时,他就把钱借给了银行,任何时候他都可以要求用现金或开一张以他人为受款人的支票付还款项。

(2). Primarily, the banker-customer relationship is that of debtor and creditor--who is which depending on whether the customer’s account is in credit or is overdrawn.

首先,．银行与客户的关系就是借方与贷方的关系,谁是借方或贷方还取决于客户帐上有余额还是透支。

(3). But, in addition to that basically simple concept, the bank and its customer owe a large number of obligations to one another.

但是,除此基本简单的概念之外,银行与客户彼此都应承担很多义务。

(4). Many of these obligations can give rise to problems and complications but a bank customer, unlike, say, a buyer of goods, cannot complain that the law is loaded against him.

尽管这些义务可能产生一些问题和纠纷,但是一个银行客户和一个譬如说货物的买主并不一样,不能抱怨法律有偏差,对他不利。

(5). The bank must obey its customer’s instructions, and not those of anyone else.

银行必须服从客户的指示,不执行任何其他人的指示。

(6). When, for example, a customer first opens an account, he instructs the bank to debit his account only in respect of cheques drawn by himself.

举例来说,当客户第一次开帐户时,他吩咐银行只有他亲自开的支票才能记入他帐上的借方。

(7). He gives the bank specimens of his signature, 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.

他把他的签名样本交给银行,有一条非常明确的规定,银行无权或无理由根据一张伪造客户签名的支票支付客户的钱。

(8). It makes no difference that the forgery may have been a very skilful one: the bank must recognize its customer’s signature.

签名可能伪造得十分巧妙,但不起什么作用,因为银行必须识别客户的签名。

(9). For this reason there is no risk to the customer in the modern practice, adopted by some banks, of printing the customer’s name on his cheques.

由于这个缘故,有些银行采用现代方法,把客户的名字印在支票上,这样客户就不会冒什么风险。

(10). If this facilitates forgery it is the bank which will lose, not the customer.

如果这样也使伪造得逞,那损失的将是银行,而不是客户。

(11). When anyone opens a current account at a bank, he is lending the bank money, repayment of which he may demand at any time, either in cash or by drawing a cheque in favor of another person.

任何人在银行开活期存款户头时,他就把钱借给了银行,任何时候他都可以要求用现金或开一张以他人为受款人的支票付还款项。

(12). Primarily, the banker-customer relationship is that of debtor and creditor--who is which depending on whether the customer’s account is in credit or is overdrawn.

首先,．银行与客户的关系就是借方与贷方的关系,谁是借方或贷方还取决于客户帐上有余额还是透支。

(13). But, in addition to that basically simple concept, the bank and its customer owe a large number of obligations to one another.

但是,除此基本简单的概念之外,银行与客户彼此都应承担很多义务。

(14). Many of these obligations can give rise to problems and complications but a bank customer, unlike, say, a buyer of goods, cannot complain that the law is loaded against him.

尽管这些义务可能产生一些问题和纠纷,但是一个银行客户和一个譬如说货物的买主并不一样,不能抱怨法律有偏差,对他不利。

(15). The bank must obey its customer’s instructions, and not those of anyone else.

银行必须服从客户的指示,不执行任何其他人的指示。

(16). When, for example, a customer first opens an account, he instructs the bank to debit his account only in respect of cheques drawn by himself.

举例来说,当客户第一次开帐户时,他吩咐银行只有他亲自开的支票才能记入他帐上的借方。

(17). He gives the bank specimens of his signature, 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.

他把他的签名样本交给银行,有一条非常明确的规定,银行无权或无理由根据一张伪造客户签名的支票支付客户的钱。

(18). It makes no difference that the forgery may have been a very skilful one: the bank must recognize its customer’s signature.

签名可能伪造得十分巧妙,但不起什么作用,因为银行必须识别客户的签名。

(19). For this reason there is no risk to the customer in the modern practice, adopted by some banks, of printing the customer’s name on his cheques.

由于这个缘故,有些银行采用现代方法,把客户的名字印在支票上,这样客户就不会冒什么风险。

(20). If this facilitates forgery it is the bank which will lose, not the customer.

如果这样也使伪造得逞,那损失的将是银行,而不是客户。