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  3. Read carefully the following excerpt on student debts, and then write your response in NO LESS THAN 200 words, in which you shou

Read carefully the following excerpt on student debts, and then write your response in NO LESS THAN 200 words, in which you shou

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问题    Read carefully the following excerpt on student debts, and then write your response in NO LESS THAN 200 words, in which you should:
   -   summarize the main message of the excerpt, and then
   -   comment on how to solve the problem of student debts. You should support yourself with information from the excerpt.
   Marks will be awarded for content relevance,  content sufficiency,  organization and language quality. Failure to follow the above instructions may result in a loss of marks.
   Student Debts
   Online lenders that target college students, often offering them loans with illegally high interest, are booming as China’s financial sector expands.
   " Students want to enjoy a high-quality lifestyle, so they may need money to buy devices or take extra courses," said Song Yongjun, head of Xiongdi Hezhong Technology, a company that promotes online lending apps to college students.
   However, while some students have used credit with no problems, others have fallen into heavy debts that can lead to tragedies.
   According to a report, a student at Henan Agricultural University committed suicide after accumulating a debt of around 589,000 yuan that he borrowed from 14 different lending platforms using the stolen ID cards of 28 of his classmates.
   "It’s quite easy. You only need to make an IOU," a freshman from Baoding University told the Global Times. At his college’s request,he and 10 of his classmates signed an agreement which allowed them to borrow money from a lending platform. He borrowed money several times " for some random needs like buying clothes," getting about 300 yuan each time, and repaid each loan within three months, paying around 10 yuan in interest.
   Qiu, a junior student from Shandong University of Technology, told the Global Times that lending apps are easy to find as ads have been posted everywhere on his campus since last year.
   "The market of online lending platforms for college students started last year, when the lending market became more specialized, until small loan services appeared," Song said.
   However, these new lending platforms have run into some legal issues.
   "Some students use the identities of their classmates to borrow money, which is illegal," Song said.
选项
答案 How to Solve the Problem of Student Loans Either to maintain a high-quality life or to meet random needs, poverty-stricken students find themselves easily allured by small loan services which offer extremely easy access but illegally high interest. In my viewpoint, such loans aimed at students must be curbed. To help university students to relieve their financial pressure, the online small loan agencies lure unwary students into borrowing a big sum with illegally high interest which, if unpaid in due time, snowballs to a skyrocketing amount that will shatter one’s life. To avoid falling into this hideous trap, first of all, students should consult with their seniors about getting a loan from these predatory lending agencies, or they will easily fall prey to an unsympathetic and even ruthless system. But more importantly, strict measures should be taken by our government to wipe out such agencies to safeguard the naive students. Sitting on the backs of the poor, these lenders are nothing but greedy vultures who put some students off their university dreams and even rob them of their lives. So allowing loan services of this kind means risking a generation of youth who can easily be allured by the service, only to find themselves hit with mountains of debts in no time. All in all, to promote social justice and protect students from this unnecessary evil, the government should propose income-based loan repayment with low interest for students, which allow students to repay their debts with a portion of their future earnings. The fewer students are slaves to loan debts, the sounder our nation will become.
解析    本题讨论学生贷款问题。选段中首先指出一些针对学生的违法的高利贷现象，接着分析学生借高利贷的原因，并引用了一个学生因还不起贷款而自杀的悲剧例子说明高利贷害人的恶果。继而说明高利贷已经在校园内无处不在的事实以及它极低的申请门槛。选段最后谈到高利贷涉及法律问题。本题写作的重点在于：首先概括上述选段要点，其次针对校园高利贷问题提出解决措施。
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