星火英語專業(yè)八級(jí)考試易考范文背誦50篇 15 Is Publication of Student Default

[00:03.06]Topic 15 Is Publication of Student Default [00:06.67]on Student Loans Acceptable? [00:10.29]Different from usual loans given to businesses, [00:12.55]the student loan is strategically designed to [00:15.41]help impoverished college students finish their studies [00:18.44]and hence promote the sustainable [00:20.50]and harmonious development of [00:22.18]educational quality undertaking. [00:24.68]While we expect that college debtors [00:26.88]would keep their promises to repay their loans, [00:29.55]it is reported that many graduates have been [00:32.97]put in the black list publicizing [00:35.34]detailed information of students defaulting on student loans. [00:39.88]Undoubtedly, [00:40.87]those debtors would suffer from [00:42.99]immediate humiliation [00:44.75]and other potential credit risks. [00:47.49]In the point of view of both banks [00:50.22]and college debtors, [00:51.53]the publication of students [00:53.15]defaulting on student loans is justified [00:55.59]and hence acceptable in the following aspects: [00:58.89]Firstly, [01:00.19]articles concerning [01:01.93]the publication of students defaulting on student loans [01:04.36]have already been adopted [01:06.17]in the 2004 version of [01:07.79]Suggestions to Perfect Student Loans Program [01:10.71]by the authorities. [01:12.89]It is stipulated in the third part [01:15.13]that students defaulting on student loans [01:17.69]will be publicized in news media [01:20.73]and China Higher-education Student Information Website. [01:24.85]When those students apply for student loans, [01:27.34]banks and cooperative universities [01:29.94]inevitably have informed any detail relevant [01:33.05]to the application, the repayments [01:35.30]and consequences of failure to repay loans. [01:38.69]Without mutual agreement between banks and debtors, [01:41.93]banks would not take the risk of [01:44.35]providing loans to college students. [01:46.22]As a result, [01:47.15]once students have signed their [01:49.05]names in their agreement with [01:50.36]banks to repay loans in time, [01:51.98]banks are entitled to take any measure [01:54.59]stipulated in their agreements [01:55.96]in case of students’ failure to repay their loans. [01:58.90]Is it reasonable to accuse banks [02:01.14]of intruding those students’ privacy [02:02.38]but not renouncing the students’ violation of loan agreements? [02:06.99]Secondly, [02:08.19]the publicization would lead us to [02:10.66]think over the possible consequence [02:12.74]of bad credit records. The publicizing students’ [02:16.73]default on student loans [02:18.03]indicates that their violations might be recorded [02:21.19]in the individual credit information database [02:23.80]established the People’s Bank of China. [02:26.29]Once their bad credits have been input to the database, [02:29.96]it is likely that those students [02:32.40]would have difficulties in applying for loans [02:35.39]and credit cards in their remaining lives. [02:37.69]For example, when those students decide to apply for [02:40.51]mortgage loans to purchase real estate, [02:43.81]their application would be declined [02:45.92]by banks due to their bad records [02:49.10]in the individual credit information database. [02:51.32]Given those potential consequences of bad credit records, [02:55.64]I think more and more people will not dare to try it out. [03:00.68]In a sense, [03:02.28]the publicization would [03:03.67]contribute to building an honest society. [03:06.59]In sum, [03:07.78]as college student debtors [03:09.15]and banks have signed agreements [03:11.57]concerning repayment of the loans, [03:13.83]banks are entitled to publicize graduates’ default [03:17.31]as is stipulated in the agreements. [03:19.30]The publicization also helps build an honest society. [03:24.65]Therefore, [03:25.91]the publicization is not only justifiable but also acceptable.

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