摘要
案情
周培栋在湖南衡阳铁路材料供应段工作。2003年12月10日，周培栋在中国农业银行湖南衡阳市江东支行（以下简称江东农行）下属的乐群里分理处开户，申领了中国农业银行发行的金穗借记卡。当月，周培栋的同乡周孝政到衡阳铁路物资公司提货，因货款未到账，仓库不发货。由周培栋担保，周孝政才提取了货物。周孝政回去後，将货款54600元汇入周培栋的金穗借记卡账户。至2003年12月19日上午，周培栋的金穗借记卡账户内存款余额为56867．52元。
Basic facts of the case Zhou Peidong - the plaintiff in the case - works in the Material Supply Section of Hengyang City Railway Administration in south central China＇ s Hunan Province. On December 10, 2003, Zhou Peidong opened an account with the Lequnli office of the Bank of Agriculture＇s Jiandong Branch in Hengyang City （hereinafter referred to as ＂the Jiangdong bank branch＂）, and obtained a Golden Spike Charge Card issued by the Bank of Agriculture. In the same month, a countryman of Zhou Peidong, named Zhou Xiaozheng, went to the Material Supply Company of Hengyang Railway Administration to take delivery of goods, but the warehouse of the company refused to release the goods on the ground that the payment for the goods had not been made. Under such a circumstance,
