※ 引述《Minilogo ()》之铭言： : Is Student Loan Debt Forgiveness a Good Idea? : FEMALE 1: Going to college has become part of, like, a necessity for everyone, : that the government sould be able to pay their part in order for everyone : to be able to go. : FEMALE 2: The idea of taxpayers, sort of, forgiving the debt is a good idea : in principle, but in practice i'm not ready sure how they'd carry that out. : 女性 1: 现在上大学对每个人好像都是必要的，所以政府应负担一部份让每个人都承担的 : 起。 : 女性 2: 纳税人的概念，有点...，减免债务原则上是个好想法，但实际上我不很确定他 : 们要如何实施。 个人读女2的句子是: The idea of [taxpayers... forgiving the debt] is a good idea in principle... 你写的好像女2对「纳税人」这个概念不清楚 XD 我个人会翻成 「要纳税人直接说不用还，原则上是个好想法。。。」 : PROFESSOR DANIEL LIN: Student loan debt has reached an all-time high, placing : a great strain on many young graduates. This has led some to propose debt : forgiveness as a way to help the needy. Would debt forgiveness achieve this : goal? I'd say no, for two reason. First of all it would only be a temporary : solution to help currently indebted students. It wouldn't change what got : those students into debt in the first place. It wouldn't prevent future : students from taking on even more debt. And it wouldn't reduce the pressures : causing tuitions to rise. second, forgiving the debt doesn't magically make it : go away: the government, meaing taxpayers, would be forced to pay it. : 学贷已到了前所未有的高度，并对许多年轻毕业生造成庞大的压力。这也导致一些人题 : 议债务减免作为帮助此需求的方法。债务减免可以达到这个目标吗? 我会说不行，有两 : 个理由。第一，它对於目前负债中的学生只是个暂时性的解决方案。它首先不会改变使 : 学生陷入债务的真正原因。它没办法预防未来的学生过度举债。促使学费上涨的压力也 : 不会减少。第二，债务减免并不代表债务就这麽神奇的消失: 政府也就是纳税人，将被 : 迫偿还这些债务。 : With our enormous national debt, that's pretty hard to justify, especially : since college graduates, on the whole, are one of the more privileged groups : in the country. After all, college graduates have higher wages and a lower : unemployment rate than the national average. Plus, they have already : benefited from government subsidies in the form of grants, tax credits, : subsidized tuition, and subsidized loans. Forgiving the debt of college : graduates would be giving money to a group that's already relatively well off. : 在现存庞大的国债下，这真的很难来评断，特别是因为整体而言，大学毕业生是 : 国家中比较幸运的一群。毕竟他们相对於全国平均有更高的薪资水准和更低的失 : 业率。再者，他们已从政府的补贴，以奖学金、税额减免、补贴学费、补贴贷款 : 的形式中受益。减免大学毕业生的债务会相当於拿钱给已经相对富裕的人。 : Of course, many college graduates are still struggling to find jobs and pay : back their loans. But instead of debt forgiveness there's another reform that : would give relief to those carring large amounts of student debt. Under current : law, all student loans, public and private, are non dischargeable. This means : that unlike all other types of loans, borrowers cannot get rid of their student : debt through bankruptcy. the government will get it back by taking your tax : refund, denying federal benifits, and garnishing your paycheck. This makes : lenders less careful about who receives student loans. There are no credit : checks, no underwriting, and no collateral, as there would be for virtually any : other loan-approval process. Students are offered loans even if they use the : funds for a degree with little market value. Why be choosey if a loan is : guaranteed? : 当然，许多大学毕业生还是很难找到工作并偿还他们的债务。但撇开债务减免这个方法， : 还有另一种改良的方式可以救济那些背负庞大学贷的人。在现行法律下，不管是公共或 : 私人的学贷，都是不可免除的。这表示不像所有其他类型的债务，借款者无法因为破产而 : 摆脱它。政府会收回你的退税，拒绝提供社会补助，也会扣除你的薪水。这使得借款人更 : 不关心谁可得到借款。不检查信用，没有保险，也没有抵押，实质上如同没有任何其他的 ^^^^^^^^ underwriting 不仅是保险 (很多时候跟保险无关) 这里我会翻成「不检查信用，不核查条件，甚至不需抵押，其他贷款都需经历的审查程序 这里一概没有」 : 贷款核准程序。就算学生只有低市值的资金他也能得到借款。如果保证能回收，那何必 ^^^^^^^^^^^^^^^^ degree with low market value 低市值的学位，讲难听点就是毕业後赚不到钱来还债 的学位 : 这麽挑剔呢? : One way to fix this is by allowing student loans to be discharged in bankrupty. : Lenders could no longer use the government as collection agency. Bad loans : would become a problem for the lenders, who would then have better incentives : to be careful with their loans. This would lead to fewer loans or loans with : higher interest rates. This may sound bad for barrowers, but it'd be important : for giving borrowers the right incentives as well. Instead of taking on debt : before thinking through the repercussions, they'd have to have a plan for : paying them back. Finally, with fewer loans being givin out, colleges would : have less fuel for tuition increases and feel greater pressure to control their : costs. : 一项解决的方法是允许学生在破产後可以免除债务。借款人不可再把政府当作 ^^^^ 这里不是学生，是学贷。一般文章提这个有点吹毛求疵，但在其他精准要求较高的文件 这可是个严重错误。今天法条如果从善如流改成学贷可经由破产程序减免，被你 变成学生可经由破产程序减免贷款，那我身背学贷但不是学生 (毕业了) 怎麽办 XD : 讨债公司。呆帐可能成为借款人的问题，接着他们会对放款更加的谨慎。这会 ^^^^将 : 导致更少的放款和更高的利率。这听起来对借款者是个坏消息，但给借款人正确 : 的动机也很重要。与其考虑到後果前就先举债，他们必须有个偿还计画。最後， : 当更少的贷款被放出时，大学也会有更低的诱因来增加学费。它们对於控制支出 ^^^^^^^^^这一句中文不太通顺，但我就不献丑了 : 也会有更大的压力。 : Student debt forgiveness may be a tempting idea, but it would just : shift the burden onto taxpayers while doing nothing to address the : fundamental causes of tuition increases and mounting student debt. Making : student debt dischargable in bankruptcy is a good first step toward reform : that would better address the concerns of students both now and in the future. : 学贷减免可能是个诱人的主意，但它只是当对於找到学费高涨的原因没有任何动作， : 和增加学贷时，把负担转移到纳税人身上而已。让学生在破产时免除债务是改革好的 : 第一步，这可以更好的满足和现在和未来学生有关的重要事情。 还蛮生硬的 : --------------------------------------------------------------------- : 这是影片连结: : https://www.youtube.com/watch?v=O7Q1UfWYQkQ : 有关经济的专有名词很多，也查不太到，像 federal benifit 我只找到是社会补助 : 相关的东西，还有 grant、tax credit、subsidized tuition、subsidized loan : 那一长串，我只有 subsidized loan 有在国家教育研究院找到，其他都是大陆或 : 我自己觉得的翻法，如果有正确的译名的话，请麻烦告诉我；还有翻译不顺或根本 : 错误的也尽量纠正我，谢谢大家! 就先酱~ -- 'Cause it's a bittersweet symphony, this life Trying to make ends meet, You're a slave to money then you die -Bittersweet Symphony, The Verve --

※ 发信站: 批踢踢实业坊(ptt.cc) ◆ From: 70.166.3.190 ※ 编辑: tengharold 来自: 70.166.3.190 (04/19 02:08)