2018考研英語雙語閱讀：三部委緊急叫停“校園貸”

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­　　China bans online loans to college students

­　　大學生以后不能隨便貸款啦!三部委緊急叫停“校園貸”!

­　　China has banned online loans to college students following a three-year boom in campus lending, which has been accompanied by outrage over exorbitant rates, violent debt collection practices, porn for payment, and various financial scams.

­　　在三年校園借貸潮后，中國叫停了大學生網上貸款，伴隨這三年的是過高的利息、暴力收債行為、色情還債、以及各種金融詐騙，這些引起了人們的憤怒。

­　　Financial institutions not registered or authorized by regulators are now banned from offering loans on campus, said a recent notice by China’s Banking Regulatory Commission, the Ministry of Education, and the Ministry of Human Resources and Social Security.

­　　中國銀監會、教育部、和人力資源社會保障部近期發布的一則通知稱，未注冊或未獲監管部門授權的金融機構不得提供校園貸款。

­　　The notice said existing online lenders must withdraw from the market. Those who refuse will be shut down. Institutions suspected of malicious fraud, violence, and spreading obscenities will be subject to prosecution.

­　　通知聲明，現存的網上貸款機構必須退出市場。拒絕退出的將會被關閉。涉嫌惡意詐騙、暴力、和傳播色情的機構將會被起訴。

­　　Campus loans have been a brewing problem in schools across China. Some students who fall into this financial trap have been reported to have committed suicide, ran away from their homes, or settled their debts with sexual favors.

­　　在中國各學校，校園貸款已經成為一個潛在的麻煩事。據報道，一些陷入金融陷阱的學生有自殺的、有離家出走的、或者是用性行為還債的。

­　　Naked loans

­　　裸貸

­　　Shady Internet lenders in China are coercing female college students to provide nude photos of themselves as collateral, in exchange for higher loan amounts. The pictures will be published online, or to their families if the loans are not repaid on time, often at usurious interest rates.

­　　中國名聲不好的網絡貸款者強迫女大學生提供自己的裸照作為抵押品，以此交換高額貸款。如果不準時還貸，這些照片就會被發布到網上，或者是發給她們的家人，且利息往往很高。

­　　Sometimes, lenders also propose a "fleshy payback,", for which these students will repay their loan with sexual activities.

­　　有時，貸款者還會提議“肉償”，這些學生將會用性行為還債。

­　　Exorbitant rates

­　　過高的利息

­　　Online lenders set traps often by releasing the daily interest rate for loans.

­　　網上貸款者往往通過釋放貸款每日利息設下陷阱。

­　　Average daily interest rates range from 0.1 percent to 0.2 percent, which means monthly rates can reach three to six percent. This translates to an annual interest rate of 70 to 140 percent.

­　　平均每日利率為0.1%至0.2%，這就意味著每月利率可達3%至6%。也就是說，每年利率達70%至140%。

­　　Chinese banks resume campus consumer lending

­　　中國的銀行承擔校園消費者借貸

­　　China Construction Bank, and Bank of China in May initiated new consumer loans tailored for university students, 18 years after Chinese banks stopped issuing credit cards and standard consumer loans to students.

­　　在中國的銀行停止向學生發行信用卡和標準消費者貸款18年后，中國建設銀行和中國銀行于五月份發起了為大學生定制的新的消費者貸款。

­　　The annual interest rates of the two banks are 5.6 percent and 5 percent respectively.

­　　兩家銀行的年利率分別為5.6%和5%。

­　　The state-owned banks are expected to cleanse the campus loan market, which has been controlled by private loan sharks, according to analysts.

­　　據分析人士們介紹，國有銀行有望凈化被私人高利貸者控制的校園借貸市場。