| 单词 | Bank's right to compound interest |
| 释义 | 銀行在複利上的權利 The legal right of banks to levy compound interest on their lending to customers. This right has been judicially recognised as a ‘usage of bankers’ and is implied in the banker-customer relationship. The customer’s acquiescence or implied consent is not required for the bank to exercise this right. This right continues even after the bank’s demand for payment, until the date of judgment. However, an implied contract for compound interest will come to an end if the relation of banker and customer is completely superseded by the relation of mortgagor and mortgagee. Any right to capitalise interest thereafter must be found in the mortgage: National Bank of Greece SA v Pinios Shipping Co No 1 (The Maira) [1989] 1 All ER 213, [1990] 1 AC 637 (CA); Nanyang Commerical Bank Ltd v Chan Hon Wing & Ors [1989] 1 HKC 256 (HC). See also Implied consent; Right. 銀行就其借予客戶的款項在法律上有徵收複利的權利。此等權利在司法上獲認可為「銀行的慣例」，此外，亦可從銀行與客戶的關係推定。銀行無需得到客戶的默許或隱含的同意行使此等權利。即使在有關銀行要求付款後，此等權利仍然繼續，直至判決的日期為止。但如銀行和客戶的關係藉按揭人和承按人的關係完全取代，則複利的隱含合約會終止。必須在有關的按揭找到任何其後將利益轉作資本的權利：National Bank of Greece SA v Pinios Shipping Co No 1 (The Maira) [1989] 1 All ER 213, [1990] 1 AC 637 （芵國上訴法院）; Nanyang Commerical Bank Ltd v Chan Hon Wing & Ors [1989] 1 HKC 256 （高等法院）。另見 Implied consent; Right。 |
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