Comprehension 理解
Give short answers to these questions in your own words as far as possible．Use one complete sentence for each answer.
1 What is meant by the statement that‘the banker-customer relationship is that of debtor and creditor’?(11.2-3)
2 Quote a sentence from the second paragraph which illustrates this statement:‘a bank customer… cannot complain that the law is loaded against him.’(11.6-7)
3 Why does a customer give the bank specimens of his signature when he first opens an account?
Vocabulary 词汇
Refer to the text to see how the following words have been used, then write sentences of your own using these words: cash (1.2);primarily (1.2); debtor(1.3); creditor(1.3); in credit (1.4); concept (1.4);give rise to (11.5-6);specimens(1.10); forged(1.12); facilitates(1.14).
The paragraph 段落
A Write a sentence in your own words expressing what you consider to be the main idea in the first paragraph of the passage.
B Which of these sentences best expresses the main idea in the second paragraph? Give reasons for your choice:
1 The bank must obey its customer's instructions, and not those of anyone else.
2 The bank must honour a cheque even when the signature on it has been forged．
3 The bank must always recognize its customer's signature.
C The following sentences have been taken from the second paragraph (lines 8-15)．Arrange them in their correct order．Do not refer to the passage until you have finished the exercise:
1 The bank must obey its customer's instructions, and not those of anyone else.
2 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.
3 It makes no difference that the forgery may have been a very skilful one: the bank must recognize its customer's signature.
4 If this facilitates forgery it is the bank which will lose, not the customer.
5 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 cheque on which its customer's signature has been forged．
6 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.
Key structures 关键句型
A Note the way these two sentences have been combined:
When anyone opens a current account at a bank, he is lending the bank money．He may demand repayment of it at any time.
When anyone opens a current account at a bank, he is lending the bank money, repayment of which he may demand at any time．(11.1-2)
Combine the following sentences using which:
1 The bank has no right or authority to pay out a customer's money on a cheque．Its customer's signature on it has been forged．(11.10-12)
2 The source is very reliable．I obtained this information from it.
3 We have certain principles．We should act on them.
B Compare these two sentences:
Instead of saying: The banker-customer relationship is a relationship of debtor and creditor.
We can say: The banker-customer relationship is that of debtor and creditor．(11.2-3)
Rewrite these sentences using that of:
1 I am not referring to our policy but to the policy of our opponents.
2 The only system I know which will help you to remember what you have heard at a lecture is the system of keeping notes.
C Compare these two sentences:
Instead of saying: He instructs the bank to debit his account only in respect of cheques which have been drawn by himself.
We can say: He instructs the bank to debit his account only in respect of cheques drawn by himself．(11.9-10)
Rewrite these sentences in the same way:
1 The exhibition consists entirely of pictures which have been painted by young children.
2 The report on education which has been prepared by a government committee will soon be published．
3 According to the regulations, income which has been earned overseas will be taxed．
Special difficulties 难点
A Study the following pairs of words and then write sentences of your own to bring out the difference.
1 current (1.1) ---- currant
I can't keep up with current fashions.
Corinth produces some of the world's finest currants.
2 lend (1.1) ---- borrow
Can you lend me ￡20 please? I'll pay it back tomorrow.
Can I borrow ￡20 from you please?
3 in favour of (1.2) ---- for the sake of
Are you in favour of the death penalty?
They both endured a bad marriage for years for the sake of the children.
4 whether (1.3) ---- weather
I don't know whether you've heard the news.
What's the weather like today?
5 loaded (1.7) ---- laden
The camera has a sensor that flashes when a film has not been correctly loaded．
The poor woman was so laden with household shopping, she could hardly step up to get on the bus.
6 else (1.8) ---- other
Take this back and exchange it for something else.
There must be other ways of approaching this problem.
7 specimen(l.10) ---- example
The research collection at the Royal Botanic Gardens at Kew has six-and-a-half million dried plant specimens.
The fall of Rome in 410 AD is an example of how even the greatest empires decay.
8 customer (1.11) ---- client
During the sales, the department stores are full of customers.
Small clients demand the same service from their bank as large clients.
9 cheque (1.11) ---- check
You can pay by cheque if you want to．(British English)
You can pay by check if you want to．(American English)
10 adopted (1.13) ---- adapted
We have adopted the same sort of assembly methods they use in Japan.
We have adapted the assembly system they use in Japan to suit our circumstances here.
11 print (l.14) ---- type
I'll print these letters on my laser printer.
I'll ask my secretary to type those letters for you.
B Explain the meaning of the word account in these sentences:
1 When anyone opens a current account at a bank, he is lending the bank money．(1.1)
2 I can't settle my account until next month.
3 How do you account for his change of attitude?
4 He gave an interesting account of his travels in China.
5 Please don't go to all this trouble on my account.
6 Trains were delayed on account of the bad weather.
C Note how say has been used in the sense of for example in this sentence:
A bank customer, unlike, say, a buyer of goods, cannot complain that the law is loaded against him．(11.6-7)
Write two sentences using say in this way.
D Note that the verb obey is not followed by a preposition:
The bank must obey its customer's instructions．(1.8)
Write sentences using the following verbs: enter, discuss, reach, and leave.
E Write sentences using the following words and phrases: in addition to (1.4); a large number of (1.5); unlike (1.6); in respect of (1.9); for this reason (1.13).
Multiple choice questions 多项选择题
Choose the correct answers to the following questions.
Comprehension 理解
1 When you have a bank account, you ______
a．can't draw any money if you're overdrawn
b．must always be in credit
c．can draw money without notice
d．can't pay money to anyone else
2 One of the obligations a bank has to a customer _______.
a．is that it can't take instructions from other people
b．is that it can avoid complications and problems
c．it must pay money to the customer even if he is seriously overdrawn
d．it must print the customer's signature
3 If someone forged your signature and drew money from your account ________.
a．you would lose your money
b．you wouldn't lose your money
c．the bank wouldn't lose any money
d．the bank would always pay money to the forger
4 Which of these statements is true?
a．It doesn't matter to a customer if the bank prints his name on cheques.
b．Banks never print the names of customers on cheques.
c．It's easy to forge a signature on a cheque which prints a customer's name.
d．Banks always lose money when they print customers' names on cheques.
Structure 句型
5 He may demand repayment of _____ at any time．(11.1-2)
a．you
b．them
c．it
d．some
6 The bank becomes a creditor if the _____ is overdrawn．(1.4)
a．account of a customer's
b．account of a customers'
c．account of a customer
d．customers' account
7 The bank _______ obey its customer's instructions．(1.8)
a．is necessary to
b．may
c．can always
d．is obliged to
8 Banks print names on cheques ______ risk to their customers.
a．without
b．without no
c．without some
d．without none
Vocabulary 词汇
9 When a customer is overdrawn, he has _____ money ______ the bank．(11.1-4)
a．lent … to
b．lent …from
c．borrowed … from
d．borrowed … to
10 If you are a debtor, someone _______．(1.3)
a．has lent money to you
b．has borrowed money from you
c．owes money to you
d．will receive money from you
11 The bank must _______ its customer's instructions．(1.8)
a．follow
b．obey to
c．hear
d．listen
12 He gives the bank ______ of his signature．(1.10)
a．examples
b．samples
c．copies
d．types