Recent years have seen a dramatic rise in the number of graduates failing to

游客2024-09-21 11

问题 Recent years have seen a dramatic rise in the number of graduates failing to repay the student loans. Some students argue that they defaulted on their loans because they had not been properly reminded and it is hard to get employed in today’s job market. Such excuses have incurred a lot of criticism from the public. What do you think?
Write a composition of about 200 words on the following topic:
My Idea of Students’ Loan Defaults

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答案 My Idea of Students’ Loan Defaults
The issue of credibility has long been a concern. And in recent years it has been more in the spotlight—it has become easier and easier for students to get loans from banks, but the list of students who fail to repay their loans on time has become longer and longer.
Students’ loan defaults will affect the sustainability of the national student aid system as well as the credibility of college students. According to statistics released by China Daily, nearly 24 million students have benefited from the national students’ loan system as of this year. It is the government that pays the interest for students borrowing bank loans during their school years. So we can imagine how burdensome the load is for the aid system if the number of those in loan defaults keeps surging. For students, although no home is required to secure a student loan, dodging debts temporarily will be at the cost of a bright future in the long run. Those who have the history of overdue repayment will be put on the national credit blacklist. Their credit rating will be ruined and their chances of getting another bank loan in China will plummet. Car and housing loans will be out of the question.
To solve the problem of students’ loan defaults, students must bear in mind the significance of honesty and integrity; colleges should warn students of the devastating consequences of failing to pay; government might as well design an effective scheme to help college graduates get employed in the competitive job market.

解析本题是现象解释和问题解决型题目，不仅要分析拖欠助学贷款这一现象，还要提出这一问题的解决方案。针对该题目，可根据以下思路展开写作：
思路1：从拖欠助学贷款的危害入手。
一是不利于国家助学制度的稳定性，二是有损学生自己的信誉。接着从学生、学校和政府三方面提出问题解决方案：学生应深刻认识到诚信和正直的重要性；学校应时刻告诫学生拖欠助学贷款的种种危害；政府应制定方案帮助毕业生尽快就业。
思路2：从拖欠助学贷款的原因入手。
一是诚信教育不到位，导致学生乃至整个社会诚信缺失；二是就业形势日益严峻，许多毕业生不能顺利就业；三是个人理财观念淡薄，“超前消费”的经济观念在学生中普遍存在，而对如何偿还“明天的钱”考虑甚少；最后，再针对原因提出相应的解决方案。
范文选取了思路1。

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