1. Primarily, the banker-customer relationship is that of debtor and creditor----who is which depending on whether the customer´s account is in credit or is overdrawn.
    银行与储户的关系主要是债务人和债权人的关系。究竟谁是债务人谁是债权人，要看储户是有结余还是透支。

2. Is the customer´s account in credit or overdrawn.
    那客户的帐目是盈余还是透支?