Topic 21 Credit

　　Credit is of great importance to one’s development.

　　Without credit, one wouldn’t get the trust fromothers,let alone get help from others or cooperatewith others.

　　However, nowadays the whole society is faced with“credit crisis”.

　　To begin with, business is threatened by the lack ofcredit and trust between enterprises and banks.

　　According to a recent survey conducted by thePeople’s Bank of China,a total amount of 3240 billionYuan debts were not paid off to banks by the enterprises in the year 2006.

　　In addition, lies often exist between friends.

　　For example, Xiao Wang—my neighbor—was persuaded to buy certain insurance product andturned out to find that he was cheated.

　　What’s more, we have heard lots of news reports that family members cheated each other fortheir respective benefits.

　　We should take measures to improve people’s sense of credit and establish stricter laws topunish the behavior of those who do not have credit.

　　Only in these ways can we hope to enhance the credit of the whole society.