每天坚持默写
When anyone opens a current account at a bank,he is lending the bank money,the 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 acccount is in credit or is overdrawn.But,in addition to that basically simple concept,the bank and the （its）customer owe a large number of obligations to one another.Many of the （these）obligations will（can） give rise to problems and complications but a bank customer ,unlike,say a buyer of goods,cannot complain that the law is loaded against him.
The bank must obey its customer’s instructions,and not those of anyone else.When ,for example,a customer first open 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 firm rule that the bank has no right or anthority to pay out the（a）customer’s money on a cheque on which the signature has been forged.It makes no difference that the forgery may have been very skillful,the bank must recognise（recognize） its customer’s signature.For this reason there is no risk to the customer in the practice,adopted by the bank,of printing the customer’s name on his cheques.If this facilitates forgery,it is the bank which will lose,not the customer.
