專八作文易考范文背誦15：學生拖欠學生貸款是否該公開？

Different from usual loans given to businesses,

與商業(yè)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(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(jù)報道有許多學生已經(jīng)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(jīng)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(wǎng)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(jīng)呈現(xiàn)出所有與申請有關的信息

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(xié)議中的有關規(guī)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(shù)據(jù)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(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

銀行有權利公開學生的信息

as is stipulated in the agreements.

因為這是協(xié)議中所規(guī)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。