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. 任何人在银行开一个活期账户,就等于把钱借给了银行。这笔钱他可以随时提取,提取的方式可以是取现金,也可以是开一张以他人为收款人的支票。银行与储户的关系主要是债务人和债权人的关系。究竟谁是债务人谁是债权人,要看储户是有结余还是透支。除了这一基本的简单的概念外,银行和储户彼此还需承担大量义务。其中许多义务往往引起问题和纠纷。但是储户不能像货物的买主那样来抱怨法律对自己不利。
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 debtor n. 支票 debtor n. 借方 creditor n. 贷方 obligation n. 义务 complication n. 纠纷