評論
打印
專八題目：
Is Publication of Student Default on Student Loans Acceptable?
專八范文：
Different from usual loans given to businesses, the student loan is strategically designed to help impoverished college students finish their studies and hence promote the sustainable and harmonious development of educational quality undertaking. While we expect that college debtors would keep their promises to repaytheir loans, it is reported that many graduates have been put in the black list publicizing detailed information of students defaulting on student loans. Undoubtedly, those debtors would suffer from immediate humiliation and other potential credit risks.In the point of view of both banks and college debtors, the publication of students defaulting on student loans is justified and hence acceptable in the following aspects:
與商業貸款不同，學生貸款的目的是幫助貧困學生完成學業，從而發展持續、和諧的教育事業。我們認為大學貸款者會遵守諾言定期還款，但是，據報道有許多學生已經列入了黑名單之中，這個名單公布了學生拖欠欠款的信息。毋庸置疑，這些學生會感覺到很丟人，自己的信譽度也受到威脅。就銀行和大學生貸款來說，公開學生欠款信息是正確的，并是可以接受的：
Firstly, articles concerning the publication of students defaulting on student loans have already been adopted in the 2004 version of Suggestions to Perfect Student Loans Program by the authorities. It is stipulated in the third part that students defaulting on student loans will be publicized in news media and ChinaHigher-education Student Information Website. When those students apply for student loans, banks and cooperative universities inevitably have informed any detail relevant to the application, the repayments and consequences of failure to repay loans. Without mutual agreement between banks and debtors, banks would not take the risk of providing loans to college students. As a result, once students have signed their names in their agreement with banks to repay loans in time, banks are entitled to take any measure stipulated in their agreements in case of students’ failure to repay their loans. Is it reasonable to accuse banks of intruding those students’ privacy but not renouncing the students’ violation of loan agreements?
首先，就公開學生拖欠欠款的文章官方已經收錄到了2004版關于學生貸款計劃意見書之中。建議書的第三部分表明學生拖欠欠款將會公布，并將在中國高等教育學生信息網站中公布。當學生申請貸款時，銀行和學校就已經呈現出所有與申請有關的信息，數額、以及逾期不還的后果。如果沒有銀行和欠款人的協議，銀行將不會向學生提供貸款。所以，一旦學生申請了貸款，學生就要如期還款，那么，銀行就有權采取協議中的有關規定，前提是如果學生未能還款的話。把銀行泄露學生隱私歸罪于銀行，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 think over the possible consequence of bad credit records. The publicizing students’ default on student loans indicates that their violations might be recorded in theindividual credit information database established the People’s Bank of China. Once their bad credits have been input to the database, it is likely that those students would have difficulties in applying for loans and credit cards in their remaining lives. For example, when those students decide to apply for mortgage loans to purchase real estate, their application would be declined by banks due to their bad records in the individual credit information database. Given those potential consequences of bad credit records, I think more and more people will not dare to try it out. In a sense, the publicization would contribute to building an honest society.
第二，信息的公布會讓我們想到學生的信譽度問題。公開學生欠款信息表明他們的行為將會記錄到信譽信息中，這樣的信譽數據是由中國銀行建立的。他們的信息一旦記錄在案，那么，這些學生在申請貸款或是信用卡時就非常困難。例如，當這些學生想申請貸款買房時他們的申請很有可能將會被銀行駁回，這很有可能就是因為他們在個人信譽中的記錄所導致的。就上述后果而言，我認為人們再也不敢嘗試逾期不還這樣的行為了。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 concerning repayment of the loans, banks are entitled to publicize graduates’ default as is stipulated in the agreements. The publicization also helps build an honest society. Therefore, the publicization is not only justifiable but also acceptable.
總結，大學生已經和銀行簽訂了協議，即還貸款一事，銀行有權利公開學生的信息，因為這是協議中所規定的。公開信息會讓我們的社會變得更加誠實。所以，公開信息不僅正確，更是可以接受的。
譯文屬可可英語原創，未經允許，不得轉載。
