国家公务员面试试题及解析-一行两会（22）

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　　Whether commercial banks should issue credit cards to college students?(商业银行是否应该给大学生办理信用卡?)

　　参考解析：

　　中文表达：

　　信用卡以是一种非现金交易付款的方式，大学生又是一个特殊的群体，具有一定的消费需求和能力，但是大部分大学生没有经济来源，因此，银行是否应该给大学生办理信用卡是个备受争议的话题，我们应该理性分析这一问题。

　　一方面大学生信用卡有一定的优势：首先是方便，很多银行都提供免费异地汇款服务，即父母可凭卡号异地存入现金，本地取款，不收取手续费;其次是安全，信用卡是一种非现金交易方式，便于学生携带，相对于现金消费来说更加安全;此外，大学生信用卡可以累积消费积分，有一定的购物优惠;而分期付款、先消费后付款也为大学生提供很多便利，同时也可以积累一定的理财经验，培养良好的理财的习惯。

　　另一方面大学生信用卡也有一定的弊端：对于大学生这一特殊群体来说，大部分刚刚满18周岁，对于消费、理财等知识匮乏，信用卡的出现也会滋生个别大学生的非理性消费。信用卡本身具有先消费、后付款的特点，对于没有经济来源的大学生来说，如果有数额较大的欠款，会产生高额的利息，容易影响个人信用。因此，这种超前消费的形式不一定有利于每位大学生。

　　综上所述，大学生信用卡是把双刃剑，对于商业银行是否给大学生办理信用卡不能一概而论，我们应该想法设法规避大学生信用卡产生的问题，从而更好地发挥信用卡的作用。

　　对于银行而言，在办理信用卡时要评估大学生的还款能力，如，有些银行已经出台了对于未满18周岁的学生不给办理信用卡的规定;也有银行对大学生信用卡的办理设定一定的要求，必须填写第二还款来源方声明书……从而从源头上来避免不能还款等问题出现。

　　对于大学生而言，要理性对待信用卡这种超前的消费方式，权衡自己情况来办理，而不是盲目跟风。办理过程中要自己办理防止个人信息外泄，保管好自己的密码，避免产生未知消费。在消费中，做到善用信用卡，而不是盲目跟风、盲目消费。

　　英文表达：

　　Credit card is a non cash transaction payment. College students are a special group who has a certain consumer demand and capacity. However, most college students have no sources of income. Therefore, whether commercial banks should issue credit cards to college students is a controversial topic. We should analyze this problem rationally.

　　On one hand, credit card has some advantages for college students. Firstly, it’s convenience. Many banks provide free offsite remittance service, that is to say, parents can use card numbers to deposit cash in different places, and students can withdraw the money at the city of their school without any fee. Secondly, it’s security. Credit card is a non cash transaction, easy for students to carry. It is more secure than cash consumption. In addition, college students can accumulate consumption points by using credit card, and have discount when shopping. At last, payment by installment after consumption also provides a lot of convenience for college students. Meanwhile using credit card can help college students to accumulate financial experience, to develop good financial habits.

　　On the other hand, credit card also has some disadvantages for college students. For the special group of college students, most of them just turned 18 years old. For lack of knowledge of consumption and financial management, the emergence of credit cards will also breed irrational consumption. Because of the characteristic of payment after consumption, for college students who don’t have financial resource, high interest can be easily produced by large amount of debt. That could affect personal credit. Therefore, this form of advanced consumption is not necessarily beneficial to every college student.

　　To sum up, the credit card is a double-edged sword for college students. We can not say yes or no directly on the question that whether commercial banks should issue credit cards to college students. What we should do is to try to avoid the disadvantages, and let the credit card play a better role by using its advantages.

　　For banks, they should assess the payment ability of collage students when issuing credit card. For example, some banks have issued the regulation that they do not issue credit card for college students under 18 years old. Other banks said they can issue credit card on the condition that signing a statement of secondary source of repayment...Through these ways to avoid failed repayment.

　　For college students, they should treat this advanced consumption mode credit card rationally and weight their personal situation when applying for it rather than following the trend blindly. They should prevent leakage of personal information and passwords to avoid unknown consumption when applying for it. They should use credit card rationally rather than following the trend or consumption blindly.

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