练习材料：

Lesson 12-2  Banks and their customers

ˈlɛsn 12-2  bæŋks ænd ðeə ˈkʌstəməz

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 draw 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 cheques 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.

ðə bæŋk mʌst əˈbeɪ ɪts ˈkʌstəməz ɪnˈstrʌkʃənz, ænd nɒt ðəʊz ɒv ˈɛnɪwʌn ɛls. wɛn, fɔːr ɪgˈzɑːmpl, ə ˈkʌstəmə fɜːst ˈəʊpənz ən əˈkaʊnt, hiː ɪnˈstrʌkts ðə bæŋk tuː ˈdɛbɪt hɪz əˈkaʊnt ˈəʊnli ɪn rɪsˈpɛkt ɒv ʧɛks drɔː baɪ hɪmˈsɛlf. hiː gɪvz ðə bæŋk ˈspɛsɪmɪnz ɒv hɪz ˈsɪgnɪʧə, ænd ðeər ɪz ə ˈvɛri fɜːm ruːl ðæt ðə bæŋk hæz nəʊ raɪt ɔːr ɔːˈθɒrɪti tuː peɪ aʊt ə ˈkʌstəməz ˈmʌni ɒn ə ʧɛks ɒn wɪʧ ɪts ˈkʌstəməz ˈsɪgnɪʧə hæz biːn fɔːʤd. ɪt meɪks nəʊ ˈdɪfrəns ðæt ðə ˈfɔːʤəri meɪ hæv biːn ə ˈvɛri ˈskɪlfʊl wʌn: ðə bæŋk mʌst ˈrɛkəgnaɪz ɪts ˈkʌstəməz ˈsɪgnɪʧə. fɔː ðɪs ˈriːzn ðeər ɪz nəʊ rɪsk tuː ðə ˈkʌstəmər ɪn ðə ˈpræktɪs, əˈdɒptɪd baɪ bæŋks, ɒv ˈprɪntɪŋ ðə ˈkʌstəməz neɪm ɒn hɪz ʧɛks. ɪf ðɪs fəˈsɪlɪteɪts ˈfɔːʤəri, ɪt ɪz ðə bæŋk wɪʧ wɪl luːz, nɒt ðə ˈkʌstəmə.

银行必须遵照储户的嘱托办事，不能听从其他人的指令。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。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理由把储户的钱让伪造储户的支票取走。即使伪造得很巧妙，也不能付款，因为银行有责任辨认出其储户的签名。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。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。

任务配置：L0、L3、L4

知识笔记：

单词与短语

obey/əˈbeɪ/

in respect of  凭借

It makes no difference that 即使...也不能

for this reason表“因此”，可能无显示

in the practice在实际中

练习感悟：今天早上起床看了集美剧，感觉对早起有点渴望了。早上再加10分钟复述时间。