Lesson 12-2 Banks and their customers
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 payout 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.
instruction /ɪnˈstrʌkʃn/ 吩咐、指令;指示;命令
debit /ˈdebɪt/ 借方;借记;
in respect of 关于、至于、凭借
specimen /ˈspesɪmən/ 标本;样本;样品
forge /fɔːrdʒ/ 伪造;制作;假冒;
forgery /ˈfɔːrdʒəri/ 伪造;赝品;伪造罪;伪造品
skillful 熟练的;擅长于 (at;灵巧的;制作精巧的;)
adopt /əˈdɑːpt/ 采用(某方法);采取(某态度);
facilitate /fəˈsɪlɪteɪt/ 促进;使便利;促使
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