精讀《新概念英語（4）》-Lesson 12-Banks and their customers

來自專欄精讀《新概念英語》

Unit 2

Lesson 12

Banks and their customers

銀行和顧客

2018-5-26

First listen and then answer the following question.

聽錄音，然後回答以下問題。

Why is there no risk to the customer when a bank prints the customers 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.

活期賬戶怎麼說？

current account

借錢給sb怎麼說？

lead sb money

xxx的償還怎麼說？

repayment of which xxx

隨時提取（錢）怎麼說？

demand at any time

現金方式怎麼說？

in cash

開支票怎麼說？

drawing a cheque

以他人為收款人怎麼說？

in favour of another person

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

首先 除了at first time還可以怎麼說？

primarily

xxx-yyy 關係怎麼說？

the banker-customer relationship

xxx的關係是xxx怎麼說？

xxx relationship is that of xxx and xxx

債務人和債權人怎麼說？

debtor and creditor

取決於xxx怎麼說？

depending on whether xxx is xxx

賬戶透支怎麼說？

account overdrawn

賬戶有結餘怎麼說？

account is in credit

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

除了這一基本的簡單概念外， xxx

in addition to that basically simple concept

相互承擔義務怎麼說？

xxx and xxx owe obligations to one another

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.

引起問題和糾紛怎麼說？

give in to problems and complications

買主怎麼說？

a buyer of goods

對一個名詞作解釋的時候除了which還可以怎麼說？

用,xxx, 插入語來解釋。 這句話用了雙重插入的感覺

unlike a byer of goods 哪裡的say應該是放在前面的

抱怨xxx 怎麼說

complain thet xxx

xxx對自己不利

xxx is leaded against him

The bank must obey its customers instructions, and not those of anyone else.

客戶的囑託怎麼說？

customers instructions

遵照xxx的囑託怎麼說？

obey xxxs instructions

不能使別人怎麼說？

and not those of anyone else

比如：你必須聽我的命令，而不是別人。

有

must obey my 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 draw by himself.

例如當xxx的時候可以怎麼說？

一般是 for example ，when xxx

也可以是： when ， for example， xxx

首次開戶的時候怎麼說？

when a customer first opens an account

會計考試中的 借方 怎麼說？

從xxx賬戶提取怎麼說？

debit his account

只能憑xxx怎麼說？

only in respect of xxx

本人簽字的支票怎麼說？

cheques draw by himself 這裡簽字用了draw來表達

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 customers money on a cheques on which its customers signature has been forged.

簽名的樣本怎麼說？

the specimens of his signature

非常嚴格的規定怎麼說？

very firm rule 這裡用firm 固定的 堅固的firm來表達strict的概念

xxx的規定怎麼說？

rule that xxx

沒有任何權利和理由來xxx怎麼說？

no right or authority to xxx

通過支票把錢提走怎麼說？

pay out a customers money on a cheques

在某件事情上xx怎麼說？

on which xxx

偽造那種感覺怎麼說？

比如：偽造了一個學生證 forged a 學生證

It makes no difference that the forgery may have been a very skilful one: the bank must recognize its customers signature.

看起來沒什麼不同怎麼說？

it makes no difference that xxx

一個又很技術含量的偽造品很難找不不同怎麼說？

it makes no difference that the forgery may have been a very skilful one.

偽造的這種行為的感覺怎麼說？

很巧妙的怎麼說？

very skilful one（注意skill只有一個l）

用戶的簽名怎麼說？

the customers signature

For this reason there is no risk to the customer in the practice, adopted by banks, of printing the customers name on his cheques.

因此，沒有風險xxx怎麼說？

for this reason there is no risk to xxx

採用xxx的做法怎麼說？

in the practice of xxxing

被銀行採用的做法不用which可以怎麼說？

the practice which xxx of xxxing不用這種，而是

the practice , adopted by banks, of xxxing

把xxx列印到xxx怎麼說?

print xxx on xxx

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

對xxx有促進或者幫助作用的感覺怎麼說？

facilitate xxx 以後看到facilitate就可以想到help類似的感覺。 就是一個促進，一種facilitate

受損的不是儲戶，而是銀行。

it is the bank which will lose, not the customer

因為英語先表達主體，所以先說 is the bank。

這裡是表達兩個名詞，所以 對於bank用的是 which來修飾名詞

GORDON BARRIE and AUBREY L. DLAMOND The Consumer Society and the Law

英語名字 Gordon漢語怎麼說？

英語名字Aubrey 漢語怎麼說？

New words and expressions 生詞和短語

current

adj. 通用的，流行的

account

n. 賬戶

cash

n. 現金

debtor

n. 支票

debtor

n. 借方

creditor

n. 貸方

obligation

n. 義務

complication

n. 糾紛

debit

v. 把...記入借方

specimen

n. 樣本

forge

v. 偽造

forgery

n. 偽造（文件，簽名等）

adopt

v. 採用

facilitate

v. 使便利

參考譯文

任何人在銀行開一個活期賬戶，就等於把錢借給了銀行。這筆錢他可以隨時提取，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。銀行與儲戶的關係主要是債務人和債權人的關係。究竟誰是債務人誰是債權人，要看儲戶是有結餘還是透支。除了這一基本的簡單的概念外，銀行和儲戶彼此還需承擔大量義務。其中許多義務往往引起問題和糾紛。但是儲戶不能像貨物的買主那樣來抱怨法律對自己不利。

銀行必須遵照儲戶的囑託辦事，不能聽從其他人的指令。比如，儲戶首次在銀行開戶時，囑咐銀行他的存款只能憑本世人簽字的支票來提取。他把自己簽名的樣本交給銀行，對此有一條非常嚴格的規定：銀行沒有任何權利或理由把儲戶的錢讓偽造儲戶的支票取走。即使偽造得很巧妙，也不能付款，因為銀行有責任辨認出其儲戶的簽名。因此，某些銀行已採用把儲戶印在支票上的作法。這種做法對儲戶毫無風險。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。