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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.目前在大学生中存在某些违反信用的情况;

　　2.建立大学生诚信体系的主要内容;

　　3.大学生诚信体系建立的必要性。

　　Establishing a Credit System for College Students

　　建立大学生诚信体系

　　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.

　　为了追求名牌产品、奢侈品和快感，一些大学生习惯透支信用卡，或拖欠他们的还贷。因此，建立信用体系，以防止违约行为的发生，变得非常有必要。

　　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.

　　建立大学生信用体系不仅重要， 而且很复杂。首先，学生所有的商业行为， 比如贷款，都应该详细记录。其次，信用体系应该包含信用等级。每个学生对应不同的级别，通常分为信用度优秀、良好、一般或差。再次，一个完整的信用体系一定要声明学生在其商业行为中的责任和能力。

　　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)

　　建立大学生信用体系将提高他们的诚信意识，引导他们成为守信之人。同时，从长远来看，还会对指导学生合理消费有帮助。

　　extravagance [ik'strævəgəns] n.奢侈，铺张

　　complex ['ka:mpleks] adj.复杂的

　　overdraw the credit cards 透支信用卡

　　commercial [kə'mə:rʃl] adj.商业的

　　essential [i'senʃl] adj.必要的，重要的

　　over the long haul 从长远观点看

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