begin with, most people now have more money for less hard work. They earn higher salaries than before and enjoy better social security, such as social welfare for laid-off workers and disability insurance.
Secondly, because of the advance in medical technology which leads to better medical care and treatment, people's life expectancy is longer. Moreover, most people now can afford to buy foods of high nutrition and enjoy their leisure time.
Thirdly, modern conveniences such as radio, TV, internet, various vehicles and labour-saving machines in the home, all greatly facilitate human communication, transportation and housework as well.
Nevertheless, living in the 21st century also has its disadvantages. The most serious one is the increasingly polluted environment; air is filled with smog and water is contaminated by iehemicals from factories.Another main disadvantage is the personalization of human relattonships
Dear Sir: I am a sophomore in Nanchang Hangkong University .I major in computer science and technology.In the university ,I try my best to study and never disobey the rules of my college. Certainly,I am also economical in my life. I would like to explain why I apply for bank loan. I come from a average family.My parents have no special technology,so their salary is very low. What's worse, my college 's tuition is more expensive than other colleges.In my college,I must spend about 13 thousand yuan every year.Undoubtedly,it is a heavy burden to my family.So I hope I can apply for 10 thousand yuan successfully,then my parents'pressure will reduce a lot. I'm a honest man.I guarantee that I will pay back the bank loan in two years after graduation.I will spend all the money on my tuition and fees.Dear sir or madam ,please believe in me,I need bank loan very much. Wish you good health! Thank you very much!! Yours sincerely XXX。
Dear president and teachers,
Best wishes!
It has been a great honor to have you as my physical and mental guidance. I feel really grateful to have the opportunity to study in this school. I wake up everydayto find myself surrounded by so many lovely and friendly teachersand classmates. It is wonderful to live and study in such a harmonious andhappy paradise. I enjoy every moment studying and playing with them.I have become used to getting up early in the morning to study with myroommates have made myself interested in learning. I have fallen in lovewith everything connected to this school. Departing with it will be as hard and miserable asliving without any food, which frightens me from hair totoe. Learning in this school is everything to me.
However, what happened lately makes me feel that I may have to leavethis school and kiss my school life goodbye forever. My dad has just losthis job recently and to make it worse our family has to handle the heavymedical expense spent on my grandfather, which means that there willbe little financial support for my study. As longas I think of that, I feel as if there would be no light and hope in my life any more. Atthis very moment,your kind and generous figures come into my mind. You have alwaysbeen so friendly to me and make this school like the second home to liveand study. Therefore, could you lend me a hand to help me out of thisdifficult situation so that I can keep on studying in your school to make my learning dreamcontinue? Please trust me that your financial support for me will be totally worth it. I will try my best to workharder to make my school proud of me.
Your sincere student
Li Hua
Nowdays,about 20 per cent of the undergraduates can't afford the high tuition and living expenses.Some of them have been financed,but sometimes the one who needs most can't get the aid.
Here are the reasons:
First,they know few approachs to get the money.Even if the chance is given,there are plenty of procedures to carry on.This undoubtedly increases the difficulty of being financed.
Second,some companis or persons often want to fund the most excellent one,while the undergraduates who are not that outstanding but very poor can't get the help.
Finally,the number for loans is limited,so the competition is inevitable.If you want to participate in application,maybe you should do more besides submitting material.
In reaction to the phenomenon,it is necessary to set up a unified platform for all the undergraduates in poverty.
By means of scientific and fair management,it is achieved that every impoverished undergraduate can get the finance aid.
A Letter of Application for a Student Loan.
To whom it may concern,
I am writing to you to apply for a student loan. As a freshman from the English Department, I have financial difficulties in continuing my study.
There are five members in my family. My father is the only breadwinner of the whole family while my mother was laid off two years ago. My grandmother has been suffering a chronic illness for more than five years. My younger brother is now studying in high school. I took some part time jobs during the summer vacation, but what I have earned is far from enough for me to pay the required tuition fees. In order to continue my study, I have to apply for a student loan.
If my application is approved, I will make good use of the money and put my heart into study. I will definitely pay back the loan on time according to the terms of repayment. I hope that you will consider my application. Looking forward to your reply.
Yours sincerely,
XXX
A letter of application for a student loan.
To whom it may concern,
I am writing to you to apply for a student loan. As a grade one studentsfrom the English Department, I continue to study the financial difficulties.Now apply for a loan of 1000 yuan!
There are five members in my family. My father is a pillar of the whole family, my mother laid off two years ago. My grandmother suffered fromchronic disease for more than five years. My brother is learning in high school now. I took a part-time job during the summer vacation, but my income is far from enough for my tuition. In order to continue my study, I want to apply for a student loan.
If my application is approved, I will make good use of the money, the heartof me. I will repay loans on time according to the repayment terms. I hope you can consider my application. Looking forward to your reply.
Yours sincerely,
XXX
一個(gè)助學(xué)貸款申請信。
它可能關(guān)注的人,
我給你寫(xiě)信申請學(xué)生貸款。作為一個(gè)來(lái)自英語(yǔ)系一年級的學(xué)生,我在繼續深造的財政困難。現在特申請1000元的貸款!
我的家庭有五個(gè)成員。我的父親是整個(gè)家庭的支柱,我的母親兩年前下崗了。我的祖母遭受五年以上的慢性疾病。我的弟弟現在在高中學(xué)習。我在暑假里拿了一些兼職工作,但我的收入是遠遠不夠我的學(xué)費。為了繼續我的學(xué)習,我要申請學(xué)生貸款。
如果我的申請被批準,我會(huì )好好利用這筆錢(qián),把我的心研究。我一定會(huì )償還貸款的時(shí)間根據還款條款。我希望你能考慮我的申請。期待你的回復。
你的真誠,
XXX
Dear Sir/Madame, I am a sophomore in Beijing University, majoring in computer science. I am writing to apply for a financial aid for my study in college. I would like to explain more about my situation here. Since I registered here, the expenses have been exerting a negative impact on my study. My mother has suddenly fallen ill and is expecting a major operation. It is beyond my parents ability to finance me through my remaining education and the income I make from my part-time jobs is far from sufficient to finance my own tuition fees. Hence, it is essential for me to get a loan of no less than 10,000 yuan. If my application is approved, all the money will go to my tuition and fees for the coming academic year. From the part-time job opportunities offered by programs in my school, I will be able to earn more than enough to cover my daily expenses. I have a very good credit record. In addition, lenovo, a computer company, has shown great interests in a software that I designed and promised me a 5000 Yuan monthly salary to start with if I decide to pursue my career there after graduation. So, I can definitely guarantee a repayment of my loan in the coming three years. I would be greatly obliged if my application is granted. Many thanks. Yours sincerely, Li Ming。
October 14, 2007 To whom it may concern, I am writing to you to apply for a student loan. As a freshman from the English Department, I have much financial difficulty in continuing my study. There are five members in my family. My father is the only breadwinner of the whole family while my mother was laid off two years ago. My grandmother has been suffering a chronic illness for more than five years. My younger brother is now studying in a high school. I took part-time jobs during the summer vacation, but what I have earned is far from enough for me to pay the required tuition fees. In order to continue my study, I have to apply for a student loan. If my request is granted, I will make good use of the money and put my heart into study. I will definitely pay back the loan according to the requirements. I hope that you will consider my application. Looking forward to your reply. Yours sincerely, Gao Peng。
不知道好不好,自己看羅。
國家助學(xué)貸款是針對普通高等學(xué)校中經(jīng)濟確實(shí)困難的全日制本、專(zhuān)科學(xué)生的助學(xué)貸款。
自1999年實(shí)施以來(lái),在緩解貧困大學(xué)生的就學(xué)資金壓力方面起到了一定的積極作用,但目前由于國家助學(xué)貸款制度仍存在政策設計方面的缺陷,貸款的實(shí)際覆蓋率還很低,而且出現了高違約率現象,嚴重影響到助學(xué)貸款的順利運行。本文首先從高校貧困生申貸困難、借款學(xué)生還息還貸率低、銀行收貸困難三個(gè)方面詳細闡述了我國大學(xué)生助學(xué)貸款的主要困境。
然后從社會(huì )信用體系尚未建立、信用貸款法律制度尚不完備、貸款學(xué)生誠信度低、銀行發(fā)展助學(xué)貸款業(yè)務(wù)不積極四個(gè)方面論述了我國大學(xué)生助學(xué)貸款存在困境的原因。最后從建立國家助學(xué)貸款風(fēng)險補償制度、加強誠信教育和建立個(gè)人信用體系、完善相關(guān)的規章制度和法律法規三個(gè)方面論述了走出高校助學(xué)貸款困境的途徑。
National Student loans are for ordinary colleges and universities in the economy this really difficult time, the student loan specialist students. Since 1999 since the implementation of poverty alleviation students in the school funding pressures played a certain positive role, but the current system of student loans because of national policy still exist in the design flaw, the actual loan coverage still very low, but there Gao Wei Yueshuai phenomenon, seriously affecting the smooth operation of student loans. This paper from the loan-to-Poor College Students Shanghai difficulties, students borrow low interest rate loan, the loan-to-bank difficult to elaborate on three aspects of China's college students student loans the major difficulties. And from the social credit system has not yet been established, credit legal system is not yet complete, the integrity of low student loans, student loans to banks is not positive on four aspects of China's college students student loans plight of the reason for existence. Finally, the establishment of national student loan risk compensation system, strengthen the integrity of education and the establishment of personal credit system, improve the relevant regulations and laws and regulations on the three areas out of college student loans plight of the way.。
借錢(qián)傷害友誼嗎?Does Borrowing Money Hurt Friendship?
When you need a lot of money, you first thing you do is to borrow money from your friend, while doing this sometimes may do harm to your friendship. First, your friends may not have too much money at hand, he or she maybe suffer from the lack of cash flow at that moment. Everyone has their own worries, when you borrow money, they always have to struggle for a while, their hesitations make you begin to doubt your friendship is true or whether your friends treat your as real one. Second, most people can't return the money in time, because they have all kinds of difficulties, this will make your friends in a awkward situation. They are considering whether to ask you return the money, if they do, this will make you embarrassed; If they don't, they will lack of money. So it is better not to borrow money from your friend.
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