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。
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
My College Life How time flies! It has been two years since I came to XXX College. In the two years, many things have happened. I also meet a lot of friends here. Two years is not too long for man's life. But the two years I lived on campus has changed me a lot. For example, from the day I was born to the day I went to school, I had never left home alone for a long time and do housework by myself. How to deal with my roommates and classmates? These questions were all difficult for me to work out at that time. Today I get on well with them and do everything in life calmly. But all these changes were not easy for me. Sometimes I feel lonely, angry and also homesick. But fortunately I meet a lot of good friends. They helped me spend these sad days. I find words cannot express my sincere thanks to them. When they need help, I will do everything I can to help those who helped me before. I'll have another two years in college,which I will treasure with my friends. Everything in college will be my great memory in my life for ever.。
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
Strictly speaking, all the bank's operations are operating risks exist. Such as the teller paragraph long, not in the process of approving loans, case appeared no timely reporting. To sum up, there are internal rules and regulations of the place, is the operational risk exists.
To control operational risk, first to" law", make regulations should now make known; secondly to monitoring, important link to have after the governor; third is the self-examination and self-correction, executive departments to reflect the implementation of rules and regulations; four is the internal audit, another view of the implementation of the system.
The operational risk should first report, cannot hide; then tracking, quantify the actual loss; the last is feedback, review system is in need of revision, clearly the responsibilities of the relevant personnel.
嚴格意義來(lái)講,所有銀行的操作都存在操作風(fēng)險。如柜員長(cháng)短款、不按流程審批貸款、出現案件沒(méi)有及時(shí)上報等。簡(jiǎn)單地概括,有內部規章制度的地方,就是操作風(fēng)險存在的地方。
要控制操作風(fēng)險,先要“普法”,做到規章制度應知盡知;其次要監控,重要環(huán)節要有后督;第三是自查自糾,執行部門(mén)反映規章制度執行情況;四是內審稽核,用另外的視角看制度的執行情況。
出現操作風(fēng)險首先要上報,不能隱瞞;然后是跟蹤,量化實(shí)際損失;最后是反饋,檢討制度是否需要修訂,明確相關(guān)人員的責任。
寫(xiě)作思路:從文章的寫(xiě)作目的、中心主旨入手,結合自身感受,真實(shí)得描述,新鮮有趣的材料,以使文章中心思想鮮明、深刻地表現出來(lái),正文:
Plan your university life at the end of September college entrance examination, and freshman at University campus. As a senior in the University of life for a few years, putting a few thoughts and mentees to share。
高考剛結束,9月份又有大一新生踏入大學(xué)校園,作為學(xué)長(cháng)在大學(xué)生活了幾年,把自己的一些想法和學(xué)弟學(xué)妹分享。
1、make more friends. The dormitory, and my roommates become integrated with, can say the roommate is most important in your university friends, and they live up to.
1、多交朋友。宿舍里,和舍友們打成一片,可以說(shuō)舍友是大學(xué)朋友中最重要的,你和他們生活一起最多。
In the class, to maintain a good relationship with my classmates, utilitarian sense, help a schoolmate at college on your career in the future. Also can be in the school to pay more friends, are these people your university life will be more interesting.
在班上,和同學(xué)們保持良好的關(guān)系,功利上講,大學(xué)同學(xué)對你以后的事業(yè)很有幫助。還可以在學(xué)校里多交一些朋友,有了這些人你的大學(xué)生活會(huì )更有趣。
2、learning. My point is, don't learn to see too much, pay attention to learn some interesting things.
2、學(xué)習。我的觀(guān)點(diǎn)是,不要把學(xué)習看的太重,注意自學(xué)一些自己感興趣的東西。
The school will never catch up with the society, teaching materials are used in the old, work not, why not now recruitment companies are people with work experience. And you learn that you will not do.
學(xué)校學(xué)的永遠趕不上社會(huì ),教材用的都是老的,工作后用不上,不然為什么現在的企業(yè)招聘的都是有工作經(jīng)驗的人。而且你學(xué)的未必就是你以后干的。
3、English and computer. Remember to learn this two door. No matter what you do have to use, such as PubMed, the civil service exam and so on; usually play computer games don't play the game to learn computer knowledge.
3、英語(yǔ)和計算機。記住學(xué)好這兩門(mén)。不管你以后考什么都要用,比如考研、考公務(wù)員等等;平時(shí)玩電腦不要只顧玩游戲多學(xué)點(diǎn)計算機方面的知識。
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