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德州家教网 新概念第四册1 查看内容

12 Banks and their customers 银行和顾客 (2分钟)

2012-5-13 09:16| 发布者: admin| 查看: 1855| 评论: 0|原作者: 裴爱玲

摘要: 新概念英语 怎样如何学好英语 小学生学英语 网上英语培训 英语阅读 提高英语成绩 英语专家讲座
Passage  12 Banks and their customers   银行和顾客
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 favour of another person.
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.
3.But, in addition to that basically simple concept, the bank and its customer owe a large number of obligations to one another.
4.Many of these obligations can give in to problems and complications but a bank customer, unlike, say, a buyer of goods, cannot complain that the law is loaded against him.
5.The bank must obey its customer's instructions, and not those of anyone else.
6.When, for example, a customer first opens an account, he instructs the bank to debit his account only in respect of cheques draw by himself.
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 cheques on which its customer's signature has been forged.
8.It makes no difference that the forgery may have been a very skilful one: the bank must recognize its customer's signature.
9.For this reason there is no risk to the customer in the practice, adopted by banks, of printing the customer's name on his cheques.
10.If this facilitates forgery, it is the bank which will lose, not the customer.
New words and expressions 生词和短语
a current account 一个活期账号
at a bank 在银行
lending 借给
repayment 偿付款
demand 需求
at any time 在任意时候
cash 现金
drawing a cheque 开一张支票
in favour of 同意
————————————————
primarily 主要地
banker-customer 银行与储户
relationship 关系
debtor 债务人
creditor 债权人
depending on 取决于
customer's account 储户
in credit 有结余
overdrawn 透支的
————————————————
in addition to 除了
basically 基本的
simple 简单的
concept 概念
bank 银行
customer 客户
a large number of 大量的
obligations 义务(复数)
————————————————
many of 许多
obligations 义务(复数)
give in to 引起
problems 问题(复数)
complications 纠纷(复数)
bank customer储户
unlike 不像
buyer 买主
goods 货物
complain 抱怨
law 法律
loaded against 对...不利
————————————————
bank 银行
obey 遵照
instructions 嘱托(复数)
————————————————
for example 比如
customer 储户
opens an account 开银行账户
instructs 嘱咐(第三人称单数)
debit 提取
in respect of 凭借
cheques 支票(复数)
draw by himself 本人签字
_________________________________
specimens 样本(样本)
signature 签名
firm 严格的
rule 规定
right 权利
authority to pay 委托
cheques 支票(复数)
has been forged 伪造的(现在完成时)
————————————————
makes no difference 没有区别
forgery 伪造
skilful 巧妙的
recognize 辨别
customer's signature 储户的签名
————————————————
for this reason 因此
risk 风险
customer 储户
in the practice 在实践中
adopted by 采用
printing 印
cheques 支票
————————————————
facilitates 促使(第三人称单数)
forgery 伪造
lose 受损失
customer 储户
————————————————
参考译文 :
1.任何人在银行开一个活期账户,就等于把钱借给了银行,偿付款他可以随时提取,提取的方式可以是取现金,也可以是开一张同意他人为收款人的支票。
2.银行与储户的关系主要是债务人和债权人的关系---究竟谁是债务人谁是债权人,取决于储户是有结余还是透支。
3.除了这一基本的简单的概念外,银行和储户彼此还需承担大量义务。
4.其中许多义务往往引起问题和纠纷,但是储户不能像货物的买主那样来抱怨法律对自己不利。
5.银行必须遵照储户的嘱托办事,不能听从其他人的指令。
6.比如,储户首次在银行开户时,嘱咐银行他的存款只能凭本世人签字的支票来提取。
7.他把自己签名的样本交给银行,对此有一条非常严格的规定银行没有任何权利或委托把储户的钱让伪造储户的支票取走。
8.即使没有区别伪造得很巧妙,也不能付款,因为银行有责任辨别出储户的签名。
9.因此某些银行实践中已采用把储户印在支票上的作法,这种做法对储户毫无风险。
10.如果因这种作法促使了伪造的话,受损失的将不是储户,而是银行。
 

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