專八作文易考范文背誦15：學(xué)生拖欠學(xué)生貸款是否該公開(kāi)？

Different from usual loans given to businesses,

與商業(yè)貸款不同

the student loan is strategically designed to help

學(xué)生貸款的目的是

impoverished college students finish their studies

幫助貧困學(xué)生完成學(xué)業(yè)

and hence promote the sustainable and harmonious development of

從而發(fā)展持續(xù)、和諧的

educational quality undertaking.

教育事業(yè)。

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

我們認(rèn)為大學(xué)貸款者會(huì)遵守諾言定期還款

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

但是據(jù)報(bào)道有許多學(xué)生已經(jīng)列入了黑名單之中

publicizing detailed information of students defaulting on student loans.

這個(gè)名單公布了學(xué)生拖欠欠款的信息。

Undoubtedly, those debtors would suffer from immediate humiliation

毋庸置疑這些學(xué)生會(huì)感覺(jué)到很丟人

and other potential credit risks.

自己的信譽(yù)度也受到威脅。

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

就銀行和大學(xué)生貸款來(lái)說(shuō)

the publication of students defaulting on student loans is justified

公開(kāi)學(xué)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(kāi)學(xué)生拖欠欠款的文章

have already been adopted in

官方已經(jīng)收錄到了

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

20042004版關(guān)于學(xué)生貸款計(jì)劃意見(jiàn)書(shū)之中。

It is stipulated in the third part

建議書(shū)的第三部分表明

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

學(xué)生拖欠欠款將會(huì)公布

China Higher-education Student Information Website.

-并將在中國(guó)高等教育學(xué)生信息網(wǎng)站中公布。

When those students apply for student loans,

當(dāng)學(xué)生申請(qǐng)貸款時(shí)

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

銀行和學(xué)校就已經(jīng)呈現(xiàn)出所有與申請(qǐng)有關(guān)的信息

the repayments and consequences of failure to repay loans.

數(shù)額、以及逾期不還的后果。

Without mutual agreement between banks and debtors,

如果沒(méi)有銀行和欠款人的協(xié)議

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

銀行將不會(huì)向?qū)W生提供貸款。

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

所以一旦學(xué)生申請(qǐng)了貸款

banks to repay loans in time,

學(xué)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(quán)采取協(xié)議中的有關(guān)規(guī)定

in case of students failure to repay their loans.

前提是如果學(xué)生未能還款的話。

Is it reasonable to accuse banks of intruding those students privacy

把銀行泄露學(xué)生隱私歸罪于銀行

but not renouncing the students violation of loan agreements?

而不追究學(xué)生逾期不還款的責(zé)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(huì)讓我們想到學(xué)生的信譽(yù)度問(wèn)題。

The publicizing studentsdefault on student loans indicates

公開(kāi)學(xué)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(huì)記錄到信譽(yù)信息中

established the Peoples Bank of China.

這樣的信譽(yù)數(shù)據(jù)是由中國(guó)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(xué)生在申請(qǐng)貸款

and credit cards in their remaining lives.

或是信用卡時(shí)就非常困難。

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

例如當(dāng)這些學(xué)生想申請(qǐng)貸款買(mǎi)房時(shí)

their application would be declined

他們的申請(qǐng)很有可能將會(huì)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?yàn)樗麄冊(cè)趥€(gè)人信譽(yù)中的記錄所導(dǎo)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(rèn)為人們?cè)僖膊桓覈L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(lái)說(shuō)公開(kāi)信息將會(huì)讓我們的社會(huì)變得更加誠(chéng)實(shí)。

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

總結(jié)大學(xué)生已經(jīng)和銀行簽訂了協(xié)議

concerning repayment of the loans,

即還貸款一事

banks are entitled to publicize graduates default

銀行有權(quán)利公開(kāi)學(xué)生的信息

as is stipulated in the agreements.

因?yàn)檫@是協(xié)議中所規(guī)定的。

The publicization also helps build an honest society.

公開(kāi)信息會(huì)讓我們的社會(huì)變得更加誠(chéng)實(shí)。

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

所以公開(kāi)信息不僅正確更是可以接受的。