【新概念英语四】第12课 Banks and their customers 银行和顾客
First listen and then answer the following question.
Why is there no risk to the customer when a bank prints the customer's name on his cheques?
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. 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. But, in addition to that basically simple concept, the bank and its customer owe a large number of obligations to one another. 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.
The bank must obey its customer's instructions, and not those of anyone else. 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. 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. It makes no difference that the forgery may have been a very skilful one: the bank must recognize its customer's signature. 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. If this facilitates forgery, it is the bank which will lose, not the customer.
GORDON BARRIE and AUBREY L. DLAMOND The Consumer Society and the Law
【New words and expressions 生词和短语】
current adj. 通用的，流行的
account n. 账户
cash n. 现金
cheque n. 支票
debtor n. 借方
creditor n. 贷方
obligation n. 义务
complication n. 纠纷
debit v. 把...记入借方
specimen n. 样本
forge v. 伪造
forgery n. 伪造（文件，签名等）
adopt v. 采用
facilitate v. 使便利
1. open a current account，开一个活期账号。
例句：The swimmer was swept away by the current.
例句：This button switches the current on.
例句：This word is no longer in current use.
current account=checking account，活期账户
例句：The president proclaimed that a new currency would be issued.
2. draw a cheque in favor of...，开一张以……为收款人的支票。
in favor of表示赞成，支持，有利于：If you are in favor of something, you support it and think that it is a good thing.
例句：Public opinion was moving strongly in favor of disarmament.
3. who is which depending on...is overdrawn，这是现在分词短语depending on...is overdrawn的独立主格结构。who is which是分词短语意思上的主语，which代表debtor or creditor。
①If you owe money to someone, they have lent it to you and you have not yet paid it back. 欠某人钱（或货物）。
例句：The company owes money to more than 60 banks.
②owe sth to...将某事物归因﹑ 归源或归功于……。
例句：He owes his success more to luck than to ability.
5.give rise to，引起，导致。
和cause/ result in意思相近，但give rise to后面加名词。
例句:The man's furtive manner gave rise to the suspicion of the theft among the policemen.
6.be loaded against...，于……不利。
load the dice against sb （通常用于被动语态）：使某人处不利地位。
例句：Having lost both his parents when he was a child, he always felt that the dice were loaded against him.
7.in respect of关于，就……而言。
例句：The book is admirable in respect of style.
To facilitate an action or process, especially one that you would like to happen, means to make it easier or more likely to happen.
例句：It would facilitate matters if you were more co-operative.