★英語資源頻道為大家整理的china daily 雙語新聞：警惕貸款陷阱，供大家參考!
Fu Yanxi could not help buying an iPhone at only a third of its market price in January. But now he is running into trouble – failing to pay the monthly due will damage his credit record.
今年一月，付彥錫（音譯）忍不住買了部只要市價1/3價錢的iPhone手機，但如今卻陷入了困境——由于無法按月還款，他的個人信用記錄將會受到影響。
“I regret my decision now. I thought I could squeeze out some 550 yuan every month to cover the loan,” said the 22-year-old English major at Central China Normal University. “As it turns out I’m not very good at managing my limited budget.”
就讀于華中師范大學英語專業(yè)、22歲的他說：“我很后悔之前的決定。原以為我每月能擠出550元來還貸，結果卻發(fā)現(xiàn)自己并不擅長管理有限的預算?！?BR> Fu is not alone. According to a recent report in Wuhan Evening News, more than 20,000 students in the city, which has about 1 million college students, have taken out loans to buy smartphones, tablets and other digital gadgets.
遇到這種情況的不止付彥錫一人?！段錆h晚報》近日報道稱，在武漢100多萬名在校大學生中，有超過2萬人通過貸款來購買智能手機、平板電腦及其他數碼設備。
Experts say college students are inexperienced with handling credit. They should first learn to manage their basic budget and become more responsible, both financially and mentally. 有關專家表示，大學生在處理信貸方面經驗不足，他們應該先學會安排基本開銷，在經濟與心理上變得更有責任感。
Zhang Shuyi, 21, felt reassured when the salesman explained the 12-month loan to him. He walked away with a 2,300-yuan smartphone having paid only 230 yuan. The process looked easy enough and it took less than 15 minutes for his student ID, citizen ID and an activated bankcard to be checked. 聽了銷售人員關于一年期貸款的解釋后，21歲的張舒乙（音譯）打消了之前的顧慮，終以230元的首付購買了一部價值2300元的智能手機。整個過程看起來十分簡單，只需提交學生證、身份證、以及一張激活了的銀行卡，審核過程只用了15分鐘。
“It was easy and the monthly due was only 250 yuan,” recalled the information engineering major at Wuhan University of Technology. Later he purchased a digital camera in the same way. 就讀于武漢科技大學信息工程專業(yè)的他回憶說：“這種方式十分便捷，每月也只需還250元。”之后，他用同樣的方法購入了一部數碼相機。
But when Zhang couldn’t pay, he turned to his parents for help. A short calculation revealed that he had to pay 3,600 yuan for his 2,300 yuan phone, even though the initial payment looked minimal. 但是當張舒乙無力還貸時，他只好向父母求助。通過簡單的計算便可得知，盡管看上去幾乎“零首付”，但他卻要為這部售價2300元的手機花掉3600元。
A lack of basic finance knowledge is one of the major reasons why students are falling into the credit purchase trap, said Chen Xin (not his real name), a credit manager at a local bank. 武漢當地一家銀行的信貸經理陳新（化名）表示，缺乏金融常識是這些學生跌入信貸購物陷阱的主要原因之一。
“What they see is only the small initial payment to take the gadget home,” said Chen. “Some don’t realize that interest is charged on the loan. In Zhang’s case it was more than 40 percent, which is basically usury.” “他們只看到購買電子設備的首付很少，卻沒有意識到貸款利息。在張舒乙的事例中，利息高達40%，這基本上算是高利貸了。”
Wuhan Morning News conducted a survey on student budgets across five local universities. The report indicates that on average students have a monthly budget of 1,000 yuan. Interestingly, more than 30 percent of respondents said they usually exceed their budget. 《武漢晨報》在武漢五所高校中進行了一項有關學生開銷的調查，結果顯示，學生平均每月預算為1000元。有趣的是，超過30%的受訪者表示，他們通常會超出預算。
“Everything was taken care of for these students before they entered college,” said Shen Qinlin, an education PhD based in Beijing. “It can be very challenging for them to suddenly manage a budget all alone. But it’s a lesson they have to learn sooner or later.” 來自北京的教育學博士沈勤林（音譯）認為：“在這些學生升入大學前，他們受到了無微不至的照顧。突然間要他們獨立管理日常開銷確實頗具挑戰(zhàn)性。但這一課他們遲早都要學習?！?
Experts say college students are inexperienced with handling credit. They should first learn to manage their basic budget and become more responsible, both financially and mentally. 有關專家表示，大學生在處理信貸方面經驗不足，他們應該先學會安排基本開銷，在經濟與心理上變得更有責任感。
Zhang Shuyi, 21, felt reassured when the salesman explained the 12-month loan to him. He walked away with a 2,300-yuan smartphone having paid only 230 yuan. The process looked easy enough and it took less than 15 minutes for his student ID, citizen ID and an activated bankcard to be checked. 聽了銷售人員關于一年期貸款的解釋后，21歲的張舒乙（音譯）打消了之前的顧慮，終以230元的首付購買了一部價值2300元的智能手機。整個過程看起來十分簡單，只需提交學生證、身份證、以及一張激活了的銀行卡，審核過程只用了15分鐘。
“It was easy and the monthly due was only 250 yuan,” recalled the information engineering major at Wuhan University of Technology. Later he purchased a digital camera in the same way. 就讀于武漢科技大學信息工程專業(yè)的他回憶說：“這種方式十分便捷，每月也只需還250元。”之后，他用同樣的方法購入了一部數碼相機。
But when Zhang couldn’t pay, he turned to his parents for help. A short calculation revealed that he had to pay 3,600 yuan for his 2,300 yuan phone, even though the initial payment looked minimal. 但是當張舒乙無力還貸時，他只好向父母求助。通過簡單的計算便可得知，盡管看上去幾乎“零首付”，但他卻要為這部售價2300元的手機花掉3600元。
A lack of basic finance knowledge is one of the major reasons why students are falling into the credit purchase trap, said Chen Xin (not his real name), a credit manager at a local bank. 武漢當地一家銀行的信貸經理陳新（化名）表示，缺乏金融常識是這些學生跌入信貸購物陷阱的主要原因之一。
“What they see is only the small initial payment to take the gadget home,” said Chen. “Some don’t realize that interest is charged on the loan. In Zhang’s case it was more than 40 percent, which is basically usury.” “他們只看到購買電子設備的首付很少，卻沒有意識到貸款利息。在張舒乙的事例中，利息高達40%，這基本上算是高利貸了。”
Wuhan Morning News conducted a survey on student budgets across five local universities. The report indicates that on average students have a monthly budget of 1,000 yuan. Interestingly, more than 30 percent of respondents said they usually exceed their budget. 《武漢晨報》在武漢五所高校中進行了一項有關學生開銷的調查，結果顯示，學生平均每月預算為1000元。有趣的是，超過30%的受訪者表示，他們通常會超出預算。
“Everything was taken care of for these students before they entered college,” said Shen Qinlin, an education PhD based in Beijing. “It can be very challenging for them to suddenly manage a budget all alone. But it’s a lesson they have to learn sooner or later.” 來自北京的教育學博士沈勤林（音譯）認為：“在這些學生升入大學前，他們受到了無微不至的照顧。突然間要他們獨立管理日常開銷確實頗具挑戰(zhàn)性。但這一課他們遲早都要學習?！?