Different from usual loans given to businesses,

与商业贷款不同

the student loan is strategically designed to help

学生贷款的目的是

impoverished college students finish their studies

帮助贫困学生完成学业

and hence promote the sustainable and harmonious development of

从而发展持续、和谐的

educational quality undertaking.

教育事业。

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

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

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。

Undoubtedly, those debtors would suffer from immediate humiliation

毋庸置疑这些学生会感觉到很丢人

and other potential credit risks.

自己的信誉度也受到威胁。

In the point of view of both banks and college debtors,

就银行和大学生贷款来说

the publication of students defaulting on student loans is justified

公开学生欠款信息是正确的

and hence acceptable in the following aspects:

并是可以接受的：

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

have already been adopted in

官方已经收录到了

the 2004 version of Suggestions to Perfect Student Loans Program by the authorities. 2004

20042004版关于学生贷款计划意见书之中。

It is stipulated in the third part

建议书的第三部分表明

that students defaulting on student loans will be publicized in news media and

学生拖欠欠款将会公布

China Higher-education Student Information Website.

-并将在中国高等教育学生信息网站中公布。

When those students apply for student loans,

当学生申请贷款时

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

the repayments and consequences of failure to repay loans.

数额、以及逾期不还的后果。

Without mutual agreement between banks and debtors,

如果没有银行和欠款人的协议

banks would not take the risk of providing loans to college students.

银行将不会向学生提供贷款。

As a result,once students have signed their names in their agreement with

所以一旦学生申请了贷款

banks to repay loans in time,

学生就要如期还款

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

in case of students failure to repay their loans.

前提是如果学生未能还款的话。

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

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?

Secondly, the publicization would lead us to

第二信息的公布

think over the possible consequence of bad credit records.

会让我们想到学生的信誉度问题。

The publicizing studentsdefault on student loans indicates

公开学生欠款信息表明

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

established the Peoples Bank of China.

这样的信誉数据是由中国银行建立的。

Once their bad credits have been input to the database,

他们的信息一旦记录在案

it is likely that those students would have difficulties in applying for loans

那么这些学生在申请贷款

and credit cards in their remaining lives.

或是信用卡时就非常困难。

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

their application would be declined

他们的申请很有可能将会被银行驳回

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。

Given those potential consequences of bad credit records,

就上述后果而言

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。

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。

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

concerning repayment of the loans,

即还贷款一事

banks are entitled to publicize graduates default

银行有权利公开学生的信息

as is stipulated in the agreements.

因为这是协议中所规定的。

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。

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。