专八题目:

Is Publication of Student Default on Student LoansAcceptable?

专八范文:

Different from usual loans given to businesses, thestudent loan is strategically designed to helpimpoverished college students finish their studiesand hence promote the sustainable andharmonious development of educational qualityundertaking. While we expect that college debtorswould keep their promises to repaytheir loans, it is reported that many graduates have beenput in the black list publicizing detailed information of students defaulting on student loans.Undoubtedly, those debtors would suffer from immediate humiliation and other potentialcredit risks.In the point of view of both banks and college debtors, the publication of studentsdefaulting on student loans is justified and hence acceptable in the following aspects:

与商业贷款不同,学生贷款的目的是帮助贫困学生完成学业,从而发展持续、和谐的教育事业。我们认为大学贷款者会遵守诺言定期还款,但是,据报道有许多学生已经列入了黑名单之中,这个名单公布了学生拖欠欠款的信息。毋庸置疑,这些学生会感觉到很丢人,自己的信誉度也受到威胁。就银行和大学生贷款来说,公开学生欠款信息是正确的,并是可以接受的:

Firstly, articles concerning the publication of students defaulting on student loans have alreadybeen adopted in the 2004 version of Suggestions to Perfect Student Loans Program by theauthorities. It is stipulated in the third part that students defaulting on student loans will bepublicized in news media and ChinaHigher-education Student Information Website. Whenthose students apply for student loans, banks and cooperative universities inevitably haveinformed any detail relevant to the application, the repayments and consequences of failureto repay loans. Without mutual agreement between banks and debtors, banks would not takethe risk of providing loans to college students. As a result, once students have signed theirnames in their agreement with banks to repay loans in time, banks are entitled to take anymeasure stipulated in their agreements in case of students’ failure to repay their loans. Is itreasonable to accuse banks of intruding those students’ privacy but not renouncing thestudents’ violation of loan agreements?

首先,就公开学生拖欠欠款的文章官方已经收录到了2004版关于学生贷款计划意见书之中。建议书的第三部分表明学生拖欠欠款将会公布,并将在中国高等教育学生信息网站中公布。当学生申请贷款时,银行和学校就已经呈现出所有与申请有关的信息,数额、以及逾期不还的后果。如果没有银行和欠款人的协议,银行将不会向学生提供贷款。所以,一旦学生申请了贷款,学生就要如期还款,那么,银行就有权采取协议中的有关规定,前提是如果学生未能还款的话。把银行泄露学生隐私归罪于银行,而不追究学生逾期不还款的责任,这是否合理呢?

Secondly, the publicization would lead us to think over the possible consequence of bad creditrecords. The publicizing students’ default on student loans indicates that their violations mightbe recorded in theindividual credit information database established the People’s Bank ofChina. Once their bad credits have been input to the database, it is likely that those studentswould have difficulties in applying for loans and credit cards in their remaining lives. Forexample, 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 creditinformation database. Given those potential consequences of bad credit records, I think moreand more people will not dare to try it out. In a sense, the publicization would contribute tobuilding an honest society.

第二,信息的公布会让我们想到学生的信誉度问题。公开学生欠款信息表明他们的行为将会记录到信誉信息中,这样的信誉数据是由中国银行建立的。他们的信息一旦记录在案,那么,这些学生在申请贷款或是信用卡时就非常困难。例如,当这些学生想申请贷款买房时他们的申请很有可能将会被银行驳回,这很有可能就是因为他们在个人信誉中的记录所导致的。就上述后果而言,我认为人们再也不敢尝试逾期不还这样的行为了。从某种意义上来说,公开信息将会让我们的社会变得更加诚实。

In sum, as college student debtors and banks have signed agreements concerning repaymentof the loans, banks are entitled to publicize graduates’ default as is stipulated in theagreements. The publicization also helps build an honest society. Therefore, the publicization isnot only justifiable but also acceptable.

总结,大学生已经和银行签订了协议,即还贷款一事,银行有权利公开学生的信息,因为这是协议中所规定的。公开信息会让我们的社会变得更加诚实。所以,公开信息不仅正确,更是可以接受的。