专八作文易考范文背诵15：学生拖欠学生贷款是否该公开？（双语+mp3+lrc）

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[00:00.81]Different from usual loans given to businesses, 与商业贷款不同，
[00:03.74]the student loan is strategically designed to help 学生贷款的目的是
[00:07.27]impoverished college students finish their studies 帮助贫困学生完成学业，
[00:09.56]and hence promote the sustainable and harmonious development of 从而发展持续、和谐的
[00:12.21]educational quality undertaking. 教育事业。
[00:15.27]While we expect that college debtors would keep their promises to repay their loans, 我们认为大学贷款者会遵守诺言定期还款，
[00:20.97]it is reported that many graduates have been put in the black list 但是，据报道有许多学生已经列入了黑名单之中，
[00:25.76]publicizing detailed information of students defaulting on student loans. 这个名单公布了学生拖欠欠款的信息。
[00:28.93]Undoubtedly, those debtors would suffer from immediate humiliation 毋庸置疑，这些学生会感觉到很丢人，
[00:36.60]and other potential credit risks. 自己的信誉度也受到威胁。
[00:37.89]In the point of view of both banks and college debtors, 就银行和大学生贷款来说，
[00:43.51]the publication of students defaulting on student loans is justified 公开学生欠款信息是正确的，
[00:46.25]and hence acceptable in the following aspects: 并是可以接受的：
[00:50.21]Firstly, articles concerning the publication of students defaulting on student loans 首先，就公开学生拖欠欠款的文章
[00:56.35]have already been adopted in  官方已经收录到了
[00:57.80]the 2004 version of Suggestions to Perfect Student Loans Program by the authorities. 2004版关于学生贷款计划意见书之中。
[01:03.77]It is stipulated in the third part 建议书的第三部分表明
[01:07.31]that students defaulting on student loans will be publicized in news media and  学生拖欠欠款将会公布，
[01:12.55]China Higher-education Student Information Website. 并将在中国高等教育学生信息网站中公布。
[01:16.13]When those students apply for student loans, 当学生申请贷款时，
[01:19.25]banks and cooperative universities inevitably have informed any detail relevant to the application, 银行和学校就已经呈现出所有与申请有关的信息，
[01:24.81]the repayments and consequences of failure to repay loans. 数额、以及逾期不还的后果。
[01:29.91]Without mutual agreement between banks and debtors, 如果没有银行和欠款人的协议，
[01:33.20]banks would not take the risk of providing loans to college students. 银行将不会向学生提供贷款。
[01:37.60]As a result,once students have signed their names in their agreement with 所以，一旦学生申请了贷款，
[01:42.31]banks to repay loans in time, 学生就要如期还款，
[01:44.04]banks are entitled to take any measure stipulated in their agreements 那么，银行就有权采取协议中的有关规定，
[01:47.17]in case of students’ failure to repay their loans. 前提是如果学生未能还款的话。
[01:50.41]Is it reasonable to accuse banks of intruding those students’ privacy 把银行泄露学生隐私归罪于银行，
[01:55.06]but not renouncing the students’ violation of loan agreements? 而不追究学生逾期不还款的责任，这是否合理呢？
[01:58.33]Secondly, the publicization would lead us to 第二，信息的公布
[02:03.26]think over the possible consequence of bad credit records. 会让我们想到学生的信誉度问题。
[02:06.08]The publicizing students’default on student loans indicates 公开学生欠款信息表明
[02:10.00]that their violations might be recorded in the individual credit information database 他们的行为将会记录到信誉信息中，
[02:14.10]established the People’s Bank of China. 这样的信誉数据是由中国银行建立的。
[02:18.18]Once their bad credits have been input to the database, 他们的信息一旦记录在案，
[02:22.08]it is likely that those students would have difficulties in applying for loans 那么，这些学生在申请贷款
[02:26.05]and credit cards in their remaining lives. 或是信用卡时就非常困难。
[02:29.30]For example, when those students decide to apply for mortgage loans to purchase real estate, 例如，当这些学生想申请贷款买房时
[02:33.85]their application would be declined 他们的申请很有可能将会被银行驳回，
[02:38.34]by banks due to their bad records in the individual credit information database. 这很有可能就是因为他们在个人信誉中的记录所导致的。
[02:43.88]Given those potential consequences of bad credit records, 就上述后果而言，
[02:48.18]I think more and more people will not dare to try it out. 我认为人们再也不敢尝试逾期不还这样的行为了。
[02:51.75]In a sense, the publicization would contribute to building an honest society. 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。
[02:58.34]In sum, as college student debtors and banks have signed agreements 总结，大学生已经和银行签订了协议，
[03:02.71]concerning repayment of the loans, 即还贷款一事，
[03:06.06]banks are entitled to publicize graduates’ default 银行有权利公开学生的信息，
[03:09.22]as is stipulated in the agreements. 因为这是协议中所规定的。
[03:11.12]The publicization also helps build an honest society. 公开信息会让我们的社会变得更加诚实。
[03:16.72]Therefore, the publicization is not only justifiable but also acceptable. 所以，公开信息不仅正确，更是可以接受的。
[03:23.88]

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专八作文易考范文背诵15：学生拖欠学生贷款是否该公开？（双语+mp3+lrc）