This is just a practice from ENGLISH Listening And Speaking Course For Postgraduates ,it is a debate.

At this task,I will discuss the following topi:
Borrowing money from friends and bank.

MONEY. MONEY! MONEY?

Money doesn't grow on trees.But I need money indeed!

How can I get money?Borrow?It's a good way!But from where?It could choose between friends or banks.

I'm just a student.For a student,borrowing money from bank is very rare in China.If you need money you could tell your parents that you want some money.Generally speaking,your father and mother will satisfy your requirement.So it is impossible to borrow money from bank.But if there were some accidents,I need a lot of money.I will borrow from my friend.I think they will give me a hand and what's more,I could repay no hurry.

But there is something specially.At the beginning of this semester,I registered for my student ID.A senior student told teacher she need borrow money for tuition fee with student ID from bank.I consider we should use the word "loan" not "borrow" at this situation.She asked for a loan from bank.Our tuition is a large sum of money,and it's very hard to afford as a family with financial difficulties.At this moment we have to ask bank provide a loan.

So I can draw the conclusion that for a student,specially chinese student,they will borrow from friend or ask for their parents in most cases.