3.7银行家/客户关系 The banker/customer relationship
3.7.1 银行提供的服务 Services provided by banks
银行是贸易交易中的重要当事方。他们为买家，卖家，运输商和其他人提供各种服务。它们的作用可涉及资助、促进或向其他各方提供咨询。
Banks are important parties in a trade transaction. They offer a variety of services to buyers, sellers,transporters and others. Their role could involve financing, facilitating or advising other parties.These services are explained in section 3.7.1.
管理任何银行/客户关系的一般原则在贸易融资中与银行向其客户提供的任何其他服务一样适用。
The general principles that govern any bank/customer relationship apply as much in trade finance as in any other service provided by a bank to its customer.
The bank, among other duties, has a duty to:
1.通过安全可靠的系统付款
make payment through a secure and reliable system;
2.收取应付给客户的支票和其他票据（如汇票）的金额
collect amounts payable to its customer in respect of cheques and other instruments, such as bills of exchange;
3.提供定期报表
provide regular statements;
4.对客户的事务保密，仅受某些要求披露信息的法律的约束
keep its customer’s affairs confidential, subject only to certain laws that require information to be disclosed;
5.有明确的投诉程序
have a clear complaints procedure;
6.与客户合作，根据洗钱法规防止欺诈和防止犯罪活动
co‑operate with the customer to protect against fraud and to prevent criminal activity in accordance with money‑laundering regulations;
7.根据适用于此类交易的相关规则框架或法律要求，以适当的方式处理单证托收、跟单信用证和银行担保等交易。
handle transactions such as documentary collections, documentary credits and bank guarantees in a suitable manner, according to associated rule frameworks or legal requirements applicable to such transactions.
客户有责任-The customer has a duty to:
1.向银行提供有关其活动及其客户活动的任何合理信息
provide its bank with any reasonable information requested about its activities and those of its customers;
2.按照约定偿还预付款、贷款和其他形式的融资
repay advances, loans and other forms of financing as agreed;
3.支付合理的费用
pay reasonable charges;
4.与银行合作，根据洗钱条例防止欺诈和防止犯罪活动。
co‑operate with the bank to protect against fraud and prevent criminal activity in accordance with money‑laundering regulations.
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