关于大学生网上贷款的英语作文120字

㈠ 写篇英语作文

What Caused The Financial Crisis?

I think we can sum up the cause of our current economic crisis in one word — GREED. Over the years, mortgage lenders were happy to lend money to people who couldn’t afford their mortgages. But they did it anyway because there was nothing to lose. These lenders were able to charge higher interest rates and make more money on sub-prime loans. If the borrowers default, they simply seized the house and put it back on the market. On top of that, they were able to pass the risk off to mortgage insurer or package these mortgages as mortgage-backed securities. Easy money!
and what went wrong with our financial system? The whole thing was one big scheme. Everything was great when houses were selling like hot cakes and their values go up every month. Lenders made it easier to borrow money, and the higher demand drove up house values. Higher house values means that lenders could lend out even bigger mortgages, and it also gave lenders some protection against foreclosures. All of this translates into more money for the lenders, insurers, and investors. Unfortunately, many borrowers got slammed when their adjustable mortgage finally adjusted. When too many of them couldn’t afford to make their payments, it causes these lenders to suffer from liquidity issue and to sit on more foreclosures than they could sell. Mortgage-backed securities became more risky and worth less causing investment firms like Lehman Brothers to suffer. Moreover, insurers like AIG who insured these bad mortgages also got in trouble.
The scheme worked well, but it reverses course and is now coming back to hurt everyone with a vengeance.

e that starts to affect the broader financial system and economy. In the meantime, the crisis could claim other victims.

财政部完成购买所有的抵押贷款可能还需一段时间,而此举对整个金融系统和经济发挥作用则更需时日。其间,金融危机的危害可能会波及更多的机构。

有用的单词和句子:

The financial crisis金融危机

A break in the clouds黑云裂日,曙光显现

But questions abound over a $700 billion rescue plan for Wall Street

有关7000亿美元华尔街拯救计划的问题仍然不少。

Mr Paulson’s plan is stunning in its brevity (two-and-a-half pages) and audacity.

保尔森计划的简洁(只有两页半纸)和大胆令人惊讶不已。

如何顺利度过经济危机英语作文

金融危机在“蝴蝶效应”下迅速蔓延全球。从美国到中国，从华尔街到珠三角，从高科技到制造业，从白领到民工，都受到金融危机严重的影响。很多企业在关、停、闭、转，很多白领被裁员，很多民工、矿工被迫返乡、很多大学毕业生毕业意味着失业。一个月后就是09年新年了，我看不到爆竹的幸福，烟花的浪漫，新年的期待。更多看到的是企业家、经理人、打工者恐慌、迷茫、无助的眼神。

塞翁失马，鄢知福祸？该来的躲不掉，该去的留不住。世间任何事物的发展都是波浪式的，有波峰必然有波谷，有波谷必然有波峰。在百年不遇的经济危机面前，很多的企业选择收缩战线，防守；很多的老百姓收紧钱袋子，压缩开支。做企业只有进攻没有防守，当你准备防守时也就意味着你开始倒退了。居家过日子，一分钱掰成两半花，再节省也是在花钱，唯有多挣钱才能改变生活质量。恐慌、迷茫、无助、躲避、防守、减少开支只会使你的景况更糟糕。唯有进攻、奋进、抗争，逆势而动才是最好的选择和应对。

不管是企业还是个人，首先要充分认识到这次危机的严重性和持久性。不要存在侥幸心理认为危机不会影响到你。倾巢之下，岂有完卵？只是早与晚，轻与重的问题。危机的后期最难过，现在还没开始，别觉得自己很强,

危机面前不死掉才有进攻的机会。做为企业家首先要考虑现金流的问题。让企业最快倒闭的不是亏损，是现金流枯竭。现金流与企业大小、盈利、知名与非知名没有关系。越是大企业、知名企业越是要关注现金流。太平盛世太久了，经济高速发展时间太长了，太多的企业都把利润变成了扩张后的固定资产。账上根本没有预备过冬的资金。所以遇见百年不遇的金融危机，倒下最快的往往是发展扩张最快的企业。没有准备过冬的衣服，夏天即便你身体很好，冬天你照样会冻死。美国的三大汽车巨头就是是现金流枯竭而举步危艰。

能活着就有机会。危机，危中有机。这种机会不是常有的。这是有充足资金的企业以最低成本，兼并、扩张的最佳机会。也是小企业赶超大企业最佳时机。太平盛世小企业在各种资源配置都不如大企业。想超越大企业等于痴人说梦。危机前面，很多大企业求稳定发展，裁员，收缩战线。小企业要学会剑走偏锋，主动出击。赌可能死，也可能发展。等，死路一条。

做为打工族，在危机期间，尽量不要辞职，不要换工作，不要转行。大量的企业倒闭，裁员，大量的民工返乡，明年还有近1000万的大学毕业生等着找工作。能有一份工作干着就是很幸福的事情。辞职容易就业难。要珍惜目前的工作机会。对于不熟悉的领域诱惑再大也不要轻易转行。同行不同理，同样是销售人员，销方便面和销汽车是不一样的。期望值越高，失望系数越大。当然如果你的能力在行业具有不可替代性，这个时候反而是机会。企业在危机面前往往需要英雄。问问自己是不是英雄？

要努力工作，多创造价值。企业裁员往往先裁可有可无的岗位，对企业直接创造价值少的岗位；裁责任心不强，抱怨较多的员工，裁上班时间无工作干的员工。看看自己的岗位是不是可有可无的？如果是，要及早寻找适合自己的职位，等被裁员了，再找工作就更难了。如果工作比较忙，也要加强责任心，减少抱怨，多给企业创造价值。任何时候企业都不喜欢团队中有抱怨情绪的员工存在。你的薪水高低，能否继续留在企业工作，是你的工作态度和创造的价值决定的，不是领导决定的。多存钱，少花钱。现在“月光族”比较多。在危机面前最先倒下的就是“月光族”。要问问自己，如果危机持续一年，你的积蓄够不够？如果危机持续三年，你的积蓄够不够？从现在开始，能存的钱就存起来，或买国债或买双币存款。兜里有钱心不慌。“静以修身，俭以养德”，节约自古就是美德。到了此时，节俭理财之道也是种生活方式，处处体现在细节上。能少花的钱就少花，能在家里做饭就不要在饭店吃饭。能买商场、超市的打折、特价产品就不要买常规价产品。能发短信就不要打电话。能步行就不坐公交，能坐公交就不要打的，能不开车就不开车。能坐火车就不坐飞机。能不买奢侈品就不买奢侈品。省钱并不是简单地捂着钱包不花钱，而是让钱花得更有效率，用最少的钱满足我们最大的欲望。

多帮朋友留意工作机会，多帮经济不好的朋友、亲戚，邻居，危机面前，越穷的人越不好过。帮别人就是帮自己。轮到自己有困难时，才会有朋友帮你。

要有信心面对危机。中国政府不会放手不管，你不是孤军奋战。每个人都有信心，经济复苏就会快一些。

The financial crisis in the "butterfly effect" under the rapid spread of the world. From the United States to China, from Wall Street to the Pearl River Delta, from manufacturing to high technology, from the white-collar workers, are subject to severe financial crisis. Many enterprises in the customs, stop, close, to many white-collar workers laid off, a lot of migrant workers, miners were forced to return home, many university graates means that the unemployed. A month later in 2009 is the Year, I do not see the well-being of firecrackers, fireworks and romantic, looking forward to the New Year. See more entrepreneurs, managers, workers fear, confused, helpless look.

Blessing in disguise, Yan Fu Huo know? The escape came, unable to retain the go. Nothing in the world are the development of the wave-like, there is bound to have peaks and troughs, there are bound to have peaks and troughs. Rare in the face of the economic crisis, many companies have chosen to shrink the front, the defensive; a lot of people tighten up the pocketbook and spending. Enterprises do not only offensive defense, when you prepare defense means that when you start back. Live at home, hand in half a cent to spend, to save money is in, only more money in order to change the quality of life. Fear, confusion and helplessness to escape, defense and rece costs so that you will only make matters worse situation. Only offensive, Endeavor, protest, moving trend is the best choice and to deal with.

Be it business or personal, we must first fully understand the seriousness of the crisis and persistent. There are not trusting to luck that the crisis will not affect you. Qingchao, no eggs will survive? Only early and late, and light weight. The crisis in the latter part of the most difficult, yet now, do not feel that they are very strong,

Do not have to die before the crisis to attack. First of all, as entrepreneurs have to consider cash flow problems. To allow the closure of the fastest growing companies is not a loss, cash flow is drying up. Cash flow and the size of the enterprise, profit, non-well-known and well-known does not matter. The more large enterprises and the more well-known enterprises to pay attention to cash flow. Peace for too long, high-speed economic development in a long time, too much of their profits into the business after the expansion of fixed assets. Not on account of the funds to prepare for the winter. So rare to meet the financial crisis, the fall is often the fastest growth and expansion of the fastest-growing businesses. Not ready for the winter clothes, even if you have a nice summer, winter, you will still frozen to death. The three major U.S. auto giant is the cash flow is drying up and in serious danger together.

To have the opportunity to live. Crisis, the crisis in the organic. This opportunity is not often. This is sufficient funds at the lowest cost of business, merger, the best opportunity for expansion. Small business is the best time to catch up with large enterprises. Peace and prosperity in a variety of small businesses such as the allocation of resources are not large enterprises. Want to go beyond talking the same large enterprises. In front of the crisis, many large enterprises for the steady development of layoffs, shrinking front. Small business must learn how to Zoupian Jian Feng, to take the initiative. Gambling may be dead, may also develop. And so on, a dead end.

As a working group, ring the crisis, so as not to resign, not-for-work, not to change jobs. A large number of business failures, layoffs, a large number of returning migrant workers, next year there are nearly 1,000 million university graates find a job waiting. Be able to do a job that is a very well-being. To resign easy job difficult. Should cherish the current opportunity to work. For are not familiar with the area of greatest temptation not to change jobs easily. Peer different reasons, is the same sales, marketing and selling instant noodles is not the same car. The higher the expectations, the greater the disappointment factor. Of course, if you have the ability to trade irreplaceable, but this time is an opportunity. In the face of crisis often need a hero. To ask whether he is a hero?

To work hard to create more value. Companies often laid off before the Conference of non-essential positions, direct-to-business value-creating fewer jobs; Conference do not have a strong sense of responsibility, complained that more staff, the Conference working hours without doing the work of the staff. Take a look at our posts and is not an option? If so, as soon as possible to find their own jobs, and so on have been laid off, the more difficult to find work. If the work is a busy, but also to strengthen the sense of responsibility to rece complained to create more value. When companies do not like any team has complained that the staff of the existence of emotions. Your high and low salaries, can remain in business, is your attitude toward work and decided to create value is not determined by the leadership. To save more and spend less. Now, "Moon family" more. In the first fall in front of the crisis is "Moonlight family." Have to ask ourselves if the crisis continued a year, you have enough savings? If the crisis

㈡ 在公司银行部负责企业贷款 英语作文

My view on bank loan
Nowadays,it is very popular and comon to have a bank loan for our peaple.someonethink it is good for us to release the pressure on money.However,some one still have the oppoosite view .They think it will make people to depend on bank loan only and do not want to earn money hardly.
But for me,I think bank loan is very convenient and important for us when we need money in a short time,such as when we have to go to hospital and have no money.
So,my viewpoint is that bank loan is benifit fou people.

㈢ 谁会写贷款申请的英语作文，写一篇给我，谢谢你！拜托各位大神

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 ecation 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 graation. 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

㈣ 助学贷款申请信（英语作文）

个人情况介绍（编）2申请贷款的原因3如何保证专款专用及你的还款打算 注明：大学英语 高中水平的不要写了

㈤ 写一篇有关贷款的英语作文 ，写明申请原因，数额1000，用途以及如何打算还款。急求，拜托了！

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 ring 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

一个助学贷款申请信。
它可能关注的人，
我给你写信申请学生贷款。作为一个来自英语系一年级的学生，我在继续深造的财政困难。现在特申请1000元的贷款！
我的家庭有五个成员。我的父亲是整个家庭的支柱，我的母亲两年前下岗了。我的祖母遭受五年以上的慢性疾病。我的弟弟现在在高中学习。我在暑假里拿了一些兼职工作，但我的收入是远远不够我的学费。为了继续我的学习，我要申请学生贷款。
如果我的申请被批准，我会好好利用这笔钱，把我的心研究。我一定会偿还贷款的时间根据还款条款。我希望你能考虑我的申请。期待你的回复。
你的真诚，
XXX

㈥ 求一篇关于学生校园贷款的英语作文，六级考试能用的

晚的英语太厉害了吧，都过六级了。

㈦ 求一篇大学生使用信用卡利弊的英语作文

以下主要从信用卡使用后的影响上面来谈论利与弊，要点包括了过度消费危害和信用卡折扣等，具体如下：

Disadvantages of credit card use: it is easy for people to overspend. Once the money becomes digital, when we spend it, it is often more generous than spending money. Poor control will cause you to make ends meet; if you don't make repayments on time, high interest will be generated and your credit history will also be affected. Will increase the financial burden and the inconvenience of future personal loans.

信用卡使用弊端：容易让人过度消费，一旦钱变成了数字，我们花的时候，往往比花钞票更大方。控制不好，会造成入不敷出；如果没有按时还款，会产生高额的利息，还会影响你的信用记录。会增加经济负担和以后个人贷款的不便。

If a credit card is not swiped enough times every year, an annual fee will be incurred, and credit card withdrawals will be charged a handling fee.

信用卡如果每年刷不够次数会产生年费，信用卡提现是要收手续费的。

Credit card is good: when you use a credit card, you can enjoy discounts from partner merchants, such as Starbucks and other food discounts launched by China Merchants Bank; credit cards are safer, and general credit card withdrawals have a certain limit, such as Bank of Communications is 50% of your opening limit . There is no danger of having a password. Even if the password is lost, the loss is within a certain range.

信用卡好的地方：用信用卡消费，可以享受到合作商户给的折扣，比如招行推出的星巴克等美食折扣等；信用卡更安全，一般信用卡取现是有一定额度的，比如交行是你开通额度的50%。有密码一般不会有危险，即便丢失被破解密码，损失也在一定的范围内。

Credit cards can temporarily alleviate economic difficulties. For some people who have short-term financial difficulties, it is tantamount to sending charcoal in the snow. After all, there is no need to put down money and borrow money from others; a good credit history has certain convenience for applying for loans in the future. Get a higher loan amount.

信用卡可以暂时缓解经济困难，对于一些短时经济有困难的人，无异于雪中送炭，毕竟不用放下面子，向别人借钱；良好的信用记录，对以后申请贷款有一定的便利，有可能会获得更高额度的贷款。