寫作思路：通過校園網貸對於學生的作用來描寫，結合學生這壹特殊群體，沒有收入，攀比心強，自制力差，寫出校園網貸的危害。
正文：
College students are young, curious and hope to keep up with the trend, so fashionable electronic products are favored by them. But electronic products are often expensive, often thousands, some even tens of thousands.
大學生正值年少、好奇心強、希望能緊跟潮流，時尚的電子產品就受到了他們的青睞。但是電子產品往往價格高昂，動輒幾千，有的甚至上萬。
In the reporter's survey, most students' monthly living expenses are between hundreds and 1000 yuan, and the source of these living expenses is mainly provided by their parents, and few of them can obtain stable income through part-time jobs.
在記者的調查中，大部分學生的月生活費在幾百到壹千元之間，而這些生活費的來源主要是父母提供，通過兼職獲得穩定收入的並不多。
The contradiction between consumption power and consumption desire makes staging an important way for them to purchase electronic products. Among the surveyed students, the items purchased by installment payment are electronic products, entertainment consumption, daily necessities, etc., of which electronic products account for a large proportion.
消費能力和消費欲望的矛盾使得分期成為他們購買電子產品的壹個重要途徑。在受訪學生中，使用分期付款購買的物品依次為電子產品、 娛樂消費、日用百貨等，其中電子產品占了相當大的比例。
On the one hand, when students are short of money, the campus network loan can really solve the urgent need.
壹方面，當學生囊中羞澀時，校園網貸確實能解燃眉之急。
Xiao Ren, a senior in the Civil Engineering College of Hebei Institute of architecture and engineering, said: "we don't have a stable income now. Facing the high price of electronic products, we are often" powerless ". Campus network loan can make us enjoy those products that we have been longing for for earlier.
河北建築工程學院土木工程學院大四學生小任說：我們現在還沒有穩定的收入，面對價格高昂的電子產品往往‘有心無力’，校園網貸可以使我們更早享受那些心儀已久的產品。
I think as long as college students can reasonably arrange the quota, they can make full use of it within the scope of tolerance.
我認為只要大學生能夠合理安排額度，在承受範圍內是完全可以充分利用的。
In addition, like the traditional bank card, the credit business provided by the e-commerce platform also has a fixed repayment date every month. For example, ant Huabei business sets the 10th day of each month as the repayment date. If the current payable amount is not paid before the repayment date, the corresponding overdue interest will be generated.
另外，與傳統銀行卡壹樣，電商平臺提供的信貸業務每個月也有固定的還款日。如螞蟻花唄業務設定每月的10日為還款日，若在還款日前，未還清當前應還金額，會產生相應的逾期利息。
If the repayment period is not exceeded within one month, the credit record will not be affected, but the interest will be paid more. If the repayment period is more than one month, the credit record will be "tainted".
如果沒有超出還款期限1個月之內能夠把款還上的話則不會影響信用記錄，只是會多還點利息，如果超出了1個月，信用記錄上就會留下“汙點”。