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。
歲月的巨浪拍打著記憶的礁石,破碎了,散作一團白沫,潮起潮落,遺棄了躺在沙灘上的貝殼。
大海就在眼前,可再也回不去了,只好獨自品味其中的孤獨。一如歲月之流把20歲的小舟擱淺,美妙韶華,定格成年齡深處那淡藍的風景。
乘著這艘小船我駛向一個叫大學的彼岸……平靜有序的大學生活在我的生命中已展開兩個多月了,每月奔忙于課堂,食堂和圖書館之間,當自己完全地浸淫于知識的海洋中時,心底涌起的是一份滿足和恬然;當自己漫步于校園的林陰小徑時,呼吸著屬于校園的空氣,滿足于校園的一草一木,我常常會忘窮情于其中,也是就在其中存在著另一些“不平凡”的日子……。
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.
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。
不知道好不好,自己看羅。。
國家助學貸款是針對普通高等學校中經濟確實困難的全日制本、專科學生的助學貸款。自1999年實施以來,在緩解貧困大學生的就學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貸款制度仍存在政策設計方面的缺陷,貸款的實際覆蓋率還很低,而且出現(xiàn)了高違約率現(xiàn)象,嚴重影響到助學貸款的順利運行。本文首先從高校貧困生申貸困難、借款學生還息還貸率低、銀行收貸困難三個方面詳細闡述了我國大學生助學貸款的主要困境。然后從社會信用體系尚未建立、信用貸款法律制度尚不完備、貸款學生誠信度低、銀行發(fā)展助學貸款業(yè)務不積極四個方面論述了我國大學生助學貸款存在困境的原因。最后從建立國家助學貸款風險補償制度、加強誠信教育和建立個人信用體系、完善相關的規(guī)章制度和法律法規(guī)三個方面論述了走出高校助學貸款困境的途徑。
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.
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.
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
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