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　　Directions:

　　Write a composition entitled Establishing a Credit System for College Students. You should write at least 120 words according to the outline given below in Chinese.

　　1.目前在大學生中存在某些違反信用的情況;

　　2.建立大學生誠信體系的主要內容;

　　3.大學生誠信體系建立的必要性。

　　Establishing a Credit System for College Students

　　建立大學生誠信體系

　　In order to pursue famous brand products, extravagance and pleasure, some college students are used to overdraw the credit cards or get behind with their payments for loans. And therefore, it's quite necessary to establish a credit system for preventing the occurrence of defaulted behaviors.

　　為了追求名牌產品、奢侈品和快感，一些大學生習慣透支信用卡，或拖欠他們的還貸。因此，建立信用體系，以防止違約行為的發生，變得非常有必要。

　　To establish a credit system for college students is not only essential but also complex. Firstly, all the behaviors of the students on commerce, such as loaning, should be recorded in detail. Secondly，this credit system is supposed to include credit rating. Each student is corresponding to varied rate, which is usually divided into the degree of excellence, good, fair or poor. Thirdly, a complete credit system is certain to state the responsibility and power of a student in their commercial behavior.

　　建立大學生信用體系不僅重要， 而且很復雜。首先，學生所有的商業行為， 比如貸款，都應該詳細記錄。其次，信用體系應該包含信用等級。每個學生對應不同的級別，通常分為信用度優秀、良好、一般或差。再次，一個完整的信用體系一定要聲明學生在其商業行為中的責任和能力。

　　The establishment of a credit system for college students will strengthen their awareness of faith and guide them to be a man of his words. It also does contribution to lead students to consume in a reasonable way over the long haul.(176 words)

　　建立大學生信用體系將提高他們的誠信意識，引導他們成為守信之人。同時，從長遠來看，還會對指導學生合理消費有幫助。

　　extravagance [ik'strævəgəns] n.奢侈，鋪張

　　complex ['ka:mpleks] adj.復雜的

　　overdraw the credit cards 透支信用卡

　　commercial [kə'mə:rʃl] adj.商業的

　　essential [i'senʃl] adj.必要的，重要的

　　over the long haul 從長遠觀點看

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