專八作文范文：學生拖欠學生貸款是否該公開

 專八作文范文：學生拖欠學生貸款是否該公開

　　專八考試中考生們最為重視的就是專八作文，專八作文不僅需要考生對詞匯及語法的熟悉運用更是對考生思維拓展的一項考察，新東方在線專八頻道整理了一系列專八作文范文供考生們參考練習。

　　Different from usual loans given to businesses,

　　與商業貸款不同

　　the student loan is strategically designed to help

　　學生貸款的目的是

　　impoverished college students finish their studies

　　幫助貧困學生完成學業

　　and hence promote the sustainable and harmonious development of

　　從而發展持續、和諧的

　　educational quality undertaking.

　　教育事業。

　　While we expect that college debtors would keep their promises to repay their loans,

　　我們認為大學貸款者會遵守諾言定期還款

　　it is reported that many graduates have been put in the black list

　　但是據報道有許多學生已經列入了黑名單之中

　　publicizing detailed information of students defaulting on student loans.

　　這個名單公布了學生拖欠欠款的信息。

　　Undoubtedly, those debtors would suffer from immediate humiliation

　　毋庸置疑這些學生會感覺到很丟人

　　and other potential credit risks.

　　自己的信譽度也受到威脅。

　　In the point of view of both banks and college debtors,

　　就銀行和大學生貸款來說

　　the publication of students defaulting on student loans is justified

　　公開學生欠款信息是正確的

　　and hence acceptable in the following aspects:

　　并是可以接受的：

　　Firstly, articles concerning the publication of students defaulting on student loans

　　首先就公開學生拖欠欠款的文章

　　have already been adopted in

　　官方已經收錄到了

　　the 2004 version of Suggestions to Perfect Student Loans Program by the authorities. 2004

　　20042004版關于學生貸款計劃意見書之中。

　　It is stipulated in the third part

　　建議書的第三部分表明

　　that students defaulting on student loans will be publicized in news media and

　　學生拖欠欠款將會公布

　　China Higher-education Student Information Website.

　　-并將在中國高等教育學生信息網站中公布。

　　When those students apply for student loans,

　　當學生申請貸款時

　　banks and cooperative universities inevitably have informed any detail relevant to the application,

　　銀行和學校就已經呈現出所有與申請有關的信息

　　the repayments and consequences of failure to repay loans.

　　數額、以及逾期不還的后果。

　　Without mutual agreement between banks and debtors,

　　如果沒有銀行和欠款人的協議

　　banks would not take the risk of providing loans to college students.

　　銀行將不會向學生提供貸款。

　　As a result,once students have signed their names in their agreement with

　　所以一旦學生申請了貸款

　　banks to repay loans in time,

　　學生就要如期還款

　　banks are entitled to take any measure stipulated in their agreements

　　那么銀行就有權采取協議中的有關規定

　　in case of students failure to repay their loans.

　　前提是如果學生未能還款的話。

　　Is it reasonable to accuse banks of intruding those students privacy

　　把銀行泄露學生隱私歸罪于銀行

　　but not renouncing the students violation of loan agreements?

　　而不追究學生逾期不還款的責任這是否合理呢?

　　Secondly, the publicization would lead us to

　　第二信息的公布

　　think over the possible consequence of bad credit records.

　　會讓我們想到學生的信譽度問題。

　　The publicizing studentsdefault on student loans indicates

　　公開學生欠款信息表明

　　that their violations might be recorded in the individual credit information database

　　他們的行為將會記錄到信譽信息中

　　established the Peoples Bank of China.

　　這樣的信譽數據是由中國銀行建立的。

　　Once their bad credits have been input to the database,

　　他們的信息一旦記錄在案

　　it is likely that those students would have difficulties in applying for loans

　　那么這些學生在申請貸款

　　and credit cards in their remaining lives.

　　或是信用卡時就非常困難。

　　For example, when those students decide to apply for mortgage loans to purchase real estate,

　　例如當這些學生想申請貸款買房時

　　their application would be declined

　　他們的申請很有可能將會被銀行駁回

　　by banks due to their bad records in the individual credit information database.

　　這很有可能就是因為他們在個人信譽中的記錄所導致的。

　　Given those potential consequences of bad credit records,

　　就上述后果而言

　　I think more and more people will not dare to try it out.

　　我認為人們再也不敢嘗試逾期不還這樣的行為了。

　　In a sense, the publicization would contribute to building an honest society.

　　從某種意義上來說公開信息將會讓我們的社會變得更加誠實。

　　In sum, as college student debtors and banks have signed agreements

　　總結大學生已經和銀行簽訂了協議

　　concerning repayment of the loans,

　　即還貸款一事

　　banks are entitled to publicize graduates default

　　銀行有權利公開學生的信息

　　as is stipulated in the agreements.

　　因為這是協議中所規定的。

　　The publicization also helps build an honest society.

　　公開信息會讓我們的社會變得更加誠實。

　　Therefore, the publicization is not only justifiable but also acceptable.

　　所以公開信息不僅正確更是可以接受的。

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