Lesson 12-1        Banks and their customers

 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 in to problems and complications but a bank customer, unlike, say, a buyer of goods, cannot complain that the law is loaded against him.

current  流通的，流行的，   open a current account  开一个活期账号

repayment /rɪˈpeɪmənt/  偿还债务;归还借款;

cheque  /tʃek/ 支票

draw a cheque in favour of   开一张以。。。为收款人的支票

primarily /praɪˈmerəli/  主要地;根本地

debtor /ˈdetər/ 债务人;借方

creditor /ˈkredɪtər/ 债权人;债主;贷方

overdrawn /ˌoʊvərˈdrɔːn/ 透支

obligation /ˌɑːblɪˈɡeɪʃn/ 义务;责任;职责

give rise to 引起

complication /ˌkɑːmplɪˈkeɪʃn/    纠纷、并发症;使更复杂化(或更困难)的事物

be loaded against  与。。。不利

instruction /ɪnˈstrʌkʃn/  吩咐、指令;指示;命令