Lesson 12 Banks and their customers-英语听力

[00:01.47]Lesson 12
第12节 [00:03.11]Banks and their customers
银行和顾客 [00:12.56]Why is there no risk to the customer when a bank prints the customer's name on his cheques?
当银行在支票上打印客户的名字时，为什么没有任何风险? [00:21.08]When anyone opens a current account at a bank, he is lending the bank money,
任何人在银行开一个活期账户，就等于把钱借给了银行 [00:26.54]repayment of which he may demand at any time either in cash or by drawing a cheque in favour of another person.
这笔钱他可以随时提取，提取的方式可以是取现金，也可以是开一张以他人为收款人的支票 [00:35.94]Primarily, the banker-customer relationship is that of debtor and creditor --
银行与储户的关系主要是债务人和债权人的关系 [00:43.09]who is which depending on whether the customer's account is in credit or is overdrawn.
究竟谁是债务人谁是债权人，要看储户是有结余还是透支 [00:49.70]But, in addition to that basically simple concept,
除了这一基本的简单的概念外 [00:53.92]the bank and its customer owe a large number of obligations to one another.
银行和储户彼此还需承担大量义务 [00:59.99]Many of these obligations can give rise to problems and complications but a bank customer, unlike, say, a buyer of goods,
其中许多义务往往引起问题和纠纷，与之不同的是，一个买家的商品。 [01:09.26]cannot complain that the law is loaded against him.
但是储户不能像货物的买主那样来抱怨法律对自己不利 [01:14.09]The bank must obey its customer's instructions, and not those of anyone else.
银行必须遵照储户的嘱托办事，不能听从其他人的指令 [01:19.95]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.
比如，储户首次在银行开户时，嘱咐银行他的存款只能凭本人签字的支票来提取 [01:30.81]He gives the bank specimens of his signature, and there is a very firm rule
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 [01:36.06]that the bank has no right or authority to pay out a customer's money on a cheque
银行没有任何权利或理由把储户的钱让伪造储户的支票取走 [01:41.36]on which its customer's signature has been forged.
其客户的签名已被伪造 [01:45.26]It makes no difference that the forgery may have been a very skillful one:
即使伪造得很巧妙，也不能付款 [01:49.97]the bank must recognize its customer's signature.
因为银行有责任辨认出其储户的签名 [01:54.41]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.
因此，某些银行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 [02:03.67]If this facilitates forgery, it is the bank which will lose, not the customer.
如果因这种作法出现了伪造的话，受损失的将不是储户，而是银行