| 单词 | banking |
| 释义 | banking banking the business of receiving deposits from the public or via the financial markets, with the object of on-lending at a higher rate of interest. Sums deposited by customers with bankers become the property of the bank, over which the customer has no further control: Foley v. Hill (1840) 2 HL Cas 28. In return, the customer obtains a per- sonal right to repayment of the sum deposited on demand, although it has been held in Scotland (somewhat doubtfully) that demand is not necessary: Macdonald v. North of Scotland Bank 1942 SC 369. The banker owes a number of duties to his customer, including the duty to encash cheques drawn on the account while in credit or within agreed overdraft limits and the duty to maintain confidentiality. To carry on the business of banking in the UK, authorisation is required from the BANK OF ENGLAND. |
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