单词 | Right of combination |
释义 | 合併權 The entitlement of a bank to combine or set-off accounts kept by a customer (even if they are kept at different branches) and to treat the balance as a single amount either due to the customer or owing to the bank. For instance, the drawing of a cheque on an account the balance of which is not sufficient to meet it may be taken as authority to the bank to combine the account with another account sufficiently in credit in order that the cheque may be paid, but the bank is not obliged to combine: Garnett v M’Kewan (1872) LR 8 Exch 10. The right to combine does not exist where the accounts are not held in the same right, as where one is a trust account: Union Bank of Australia Ltd. v Murray-Aynsley [1898] AC 693 (PC). See also Account; Bank; Trust account; Set-off. 銀行享有合併或抵銷由客戶開設的帳戶的權利(即使有關的帳戶在不同分行開設)及視有關的結餘為銀行應支付客戶或客戶欠銀行的單一款額。例如在一帳戶開出支票,而有關帳戶的結餘不足以開出該支票,可視銀行有權把有關的帳戶與另一有足夠餘額的帳戶合併,以便可支付有關的支票,但有關的銀行並不必合併:Garnett v M’Kewan (1872) LR 8 Exch 10。如有關的帳戶在信託帳戶並不以相同的權利持有,則合併權並不存在:Union Bank of Australia Ltd. v Murray-Aynsley [1898] AC 693。另見 Account; Bank; Trust account; Set-off。 |
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