网贷的利弊英语作文？

online loan英语作文？

写作思路：围绕“online loan”借贷的中心思想，结合自身感受得描述，正文：

Ever since colleges started to charge the students for the education they receive, there has always been a problem for some students, especially for those from remote rural regions, to get the money for it.

自从大学开始对学生接受的教育收费以来，一些学生，尤其是来自偏远农村地区的学生，一直难以获得这笔钱。

So the government offers them an option of borrowing money from banks. Surveys show that the number of students financing his education in this way is increasing.

因此，政府向他们提供了向银行借钱的选择。调查显示，以这种方式资助他教育的学生人数正在增加。

However, some students, although not many, failed to pay back the loans as they had promised in the contract. The banks have a very hard time coping with this problem. And the government can do nothing effective to help the banks.

然而，一些学生，虽然不多，没有按照他们在合同中承诺的那样偿还贷款。银行很难处理这个问题。政府也无法有效帮助银行。

I think there is more than one reason for this. Dishonesty may be one but not the major one. As is known, we are experiencing a particular phase of economic development where the supply of human resources is much bigger than the demand for it.

我觉得这个原因不止一个。不诚实可能是原因之一，但不是主要原因。众所周知，我们正在经历一个经济发展的特殊阶段，在这个阶段，人力资源的供应远远大于需求。

So many students are not able to find a well-paid job. How can they pay the loans back? To solve this problem, I think the government should make efforts to get the whole economy go smoothly, creating more job opportunities.

所以很多学生找不到高薪工作。他们怎么还贷款？要解决这个问题，我认为政府应该努力让整个经济平稳发展，创造更多的就业机会。

关于校园网贷利弊的英文作文（不用太难，不用太长，简单一点的，要有中文翻译）

写作思路：通过校园网贷对于学生的作用来描写，结合学生这一特殊群体，没有收入，攀比心强，自制力差，写出校园网贷的危害。

正文：

College students are young, curious and hope to keep up with the trend, so fashionable electronic products are favored by them. But electronic products are often expensive, often thousands, some even tens of thousands.

大学生正值年少、好奇心强、希望能紧跟潮流，时尚的电子产品就受到了他们的青睐。但是电子产品往往价格高昂，动辄几千，有的甚至上万。

In the reporter's survey, most students' monthly living expenses are between hundreds and 1000 yuan, and the source of these living expenses is mainly provided by their parents, and few of them can obtain stable income through part-time jobs.

在记者的调查中，大部分学生的月生活费在几百到一千元之间，而这些生活费的来源主要是父母提供，通过兼职获得稳定收入的并不多。

The contradiction between consumption power and consumption desire makes staging an important way for them to purchase electronic products. Among the surveyed students, the items purchased by installment payment are electronic products, entertainment consumption, daily necessities, etc., of which electronic products account for a large proportion.

消费能力和消费欲望的矛盾使得分期成为他们购买电子产品的一个重要途径。在受访学生中，使用分期付款购买的物品依次为电子产品、 娱乐消费、日用百货等，其中电子产品占了相当大的比例。

On the one hand, when students are short of money, the campus network loan can really solve the urgent need.

一方面，当学生囊中羞涩时，校园网贷确实能解燃眉之急。

Xiao Ren, a senior in the Civil Engineering College of Hebei Institute of architecture and engineering, said: "we don't have a stable income now. Facing the high price of electronic products, we are often" powerless ". Campus network loan can make us enjoy those products that we have been longing for for earlier.

河北建筑工程学院土木工程学院大四学生小任说：我们现在还没有稳定的收入，面对价格高昂的电子产品往往‘有心无力’，校园网贷可以使我们更早享受那些心仪已久的产品。

I think as long as college students can reasonably arrange the quota, they can make full use of it within the scope of tolerance.

我认为只要大学生能够合理安排额度，在承受范围内是完全可以充分利用的。

In addition, like the traditional bank card, the credit business provided by the e-commerce platform also has a fixed repayment date every month. For example, ant Huabei business sets the 10th day of each month as the repayment date. If the current payable amount is not paid before the repayment date, the corresponding overdue interest will be generated.

另外，与传统银行卡一样，电商平台提供的信贷业务每个月也有固定的还款日。如蚂蚁花呗业务设定每月的10日为还款日，若在还款日前，未还清当前应还金额，会产生相应的逾期利息。

If the repayment period is not exceeded within one month, the credit record will not be affected, but the interest will be paid more. If the repayment period is more than one month, the credit record will be "tainted".

如果没有超出还款期限1个月之内能够把款还上的话则不会影响信用记录，只是会多还点利息，如果超出了1个月，信用记录上就会留下“污点”。

网络借贷风险英语作文

1, the virtual network transactions, leading to the credit status of the credit of the two sides can not be certified, prone to fraud and arrears of default dispute.

2, a large number of network platform release of lending information, there are many in the loan company, Finance Companies and other names of foreign loans. And in fact must by approval of the national financial institutions engaged in the credit financing and other financial services, unauthorized engaged in financial activities often because of "illegal fund-raising", "illegal absorb public dep.o.s its", disrupt the order of financial management and be held liable.

3, if loans through network platform issued, so in network platform of lax discipline, failure or internal control procedures, or being the case may appear fabricating borrower information and the case of illegal fund-raising.

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