毕业论文英文答辩稿(汇编20篇)

This is to acknowledge that we cordially invite our client ______________ Passport No. , delivered

Expiration date

Date of birth:

to visit _______ abound ______

The Manager

Name:

Signed _____________________

dear hr leadership:

i regret that i give my official resignation to the company at this time .

i came to the company just three months, and im very honored to be able to become a member of our company. during three months , i learned a lot, and the companys financial situation is also in good shape. im very grateful that the company gave me such a good environment to work and learn.

but i need to resign for personal reasons. in regularization with my salary after the nature of work and measure my ability to work, i feel the salary is not with my expectations. so, i decided to resign.

i hope my applications can be approved before june 20,i wish you good health .

applicant: jack

date: june 22,

尊敬的人力资源部领导：

我很遗憾自己在这个时候向公司正式提出辞职。

我来公司刚好三个月了，也很荣幸自己能够成为医院的一员。在医院工作的三个月中，我学到了很多东西，公司的经营状况也处于良好的态势。非常感激公司给予了我在这样的良好环境中，工作和学习的机会。

但是我因为个人原因需要辞职。在对转正后的薪资与我的工作性质和自己工作能力的衡量后，我觉得与自己的预期不相符合，出于对医院制度的尊重及个人发展的考虑，我决定了辞职。

我希望在XX年7月20日之前完成工作交接，请领导安排工作交接人选。在未离开岗位之前，我一定会站好最后一班岗，我所在岗位的工作请领导尽管分配，我一定会尽自己的职，做好应该做的事。

望领导批准我的申请，并请协助办理相关离职手续。祝您身体健康，事业顺心。并祝医院以后事业顺心。并祝医院以后事业蓬勃发展。

申请人： 杰克

日期： XX年6月22日

Dear HR:

Good morning， my name is ， which is indeed a great honor to have the opportunity to interview， I would like to answer you may increase and I hope I can bee a good performance today， the final register for the prestigious The University in September.

Now I will briefly introduce myself， I am 21 years old， born in Heilongjiang Province， northeast of China， I curruently senior students in Beijing are mainly two uni.my packaging engineering.and I received my bachelors degree， I graduated june.in the past four years， I spent most of my time to learn， I have been through CET4 / 6， so as to alleviate. I have a basic knowledge of the packaging and publication in the theory and practice.

In addition， I also took part in some of the packaging exhibition held in Beijing， which is our advantage here to learn， I have taken to visit a number of large factories and panies. Through these I have a profound understanding of the domestic packaging industry. Compared to developed countries， such as us， unfortunately， although we have made remarkable progress since 1978， Chinas packaging industry is still underdeveloped， chaos and instability， which the staff in this regard The awkard. But I have full confidence in a brighter future， if only we can maintain the economic growth pace still.

Sincerely yours!

Dear Sir/Madam,

This is the invitation from CO., Ltd. We will participate in the Exhibition, the world’s leading global Convention. You and your company representatives are sincerely welcome to visit our booth. Our information about this event is as follows,

Exhibition Name

Booth number

Date

Address

Website of our company

We are specializing in producing parts used in the field. With the rich experience and professional produce, our products’ quality always meets the high standard requirements of our customers. We have learned that your company has enjoyed a great reputation in the fiber communication field for many years. We are very expecting to establish a long term and good business relationship with your company in the near future. It would be a great pleasure to meet you at the exhibition so that we can introduce our products. You may find something meeting your need.

If you have any question or enquiry, please don’t hesitate to contact me. We are looking forward to seeing you there and exchanging our opinions.

Best regard,

Signature

Company name

You take a serious and responsible class work, as a representative of history and actively cooperate with teachers and class work, a strong sense of collective honor, good interpersonal relationships, others sincere, enthusiastic to help people, usually some naughty, but not rigorous in learning, some The teacher is very appreciative of your kind and smart, hope in the future to make good use of time to learn, in the next semester can achieve greater progress, the teacher believes that 3 years After that, you will be able to achieve remarkable results. Finally, wish you and your family a happy New Year, all the best!

You usually can be strict requirements from the study hard, with a high sense of responsibility and collective sense of honor, ability to highlight, as a vice squad leader to set an example, work very seriously, Good use of time, and occasionally make some small mistakes, hope to make great progress in the next semester, as a very good student in all areas, the teacher believes you will be able to do, the teacher also believes you will make every success , Go further! Teachers believe that three years later, you will be able to achieve remarkable results. Finally, wish you and your family a happy New Year, all the best! 3 you lively and outgoing personality, a better state of mind, school performance to instability, uneven development of various subjects, partial Branch phenomenon is more serious, especially for mathematics disgust. Usually on their own requirements are not strict, in the first half there are several violations of class discipline, but after education, changed a lot, only the results did not come up, the teacher hope you can make persistent efforts in the next semester, regain their own world. Teachers believe that three years later, you will be able to achieve remarkable results. Finally, wish you and your family a happy New Year, all the best!

Good morning, my name is , is University of Fashion Design and Engineering 20 session of the graduates. It is an honor to have the opportunity to introduce myself here. During the school, I master the system of clothing design, garment structure technology and clothing management theory and practical ability, familiar with the basic theory and basic knowledge of clothing subject, by clothing design and garment structure technology basic training.In order to be able to I learned a lot of books not on the clothing expertise, improve the overall quality, so I am on the clothing materials, clothing technology, and so on, so I have a lot of experience, Clothing pattern making an eye-opener, so I mastered a lot of knowledge, which is more determined to dry clothing I am a strong interest in this industry. I will continue to enrich themselves, so that their efforts to become the apparel industry professionals. During the university I served as the Minister of the student union, exercise my hard-working and pragmatic, eclectic habits, to strengthen my sense of professionalism, responsibility, and cultivate my good at unity, the courage to innovate.

I always focus on the organization, communication, collaboration, innovation and other comprehensive capacity-building, and actively participate in student work and collective activities, in the process, a comprehensive exercise of my thinking ability, innovation, problem solving, problem solving and problem solving. The ability to communicate, training my hard-working, not afraid of difficult scientific spirit, and enrich my expertise. I am cheerful, good at communication, team spirit; new knowledge of new things have the ability, innovative spirit, willing to accept the challenge. I like the design of clothing, clothing design in the hope that this vast world expose their talent, but also look forward to your company with a broad and powerful stage of a show of talent. I am confident that I am competent to work in your company. If you are hired by your organization, I will be in their own positions on the practical work for your companys development and contribution to my talent and wisdom.

Date:

To,

M/S.

Attn:

General Manager

Tel: Fax:

P.O.Box: Dear Mr,

It is really a great honor to receive invitation, and we are writing to confirm our attendance. Mr will attend the investigation and conference in China on time.

Best Wishes & Regards

For

General Manager

各位评审大家好，能够站在这里参加面试，我感到非常的荣幸。希望通过这次面试能够把自己展示给大家，下面介绍一下我的基本情况。

我叫，今年**岁，*人。大学的生活中，是我思想、知识结构及心理、生长成熟的四年。在大学期间，我自己认真学习专业技能，所以我掌握了较强的专业知识，并把理论知识运用到实践中去，期末总评成绩名列年级前茅，获得优秀学生奖学金二等、三等各两次，荣获校级三好学生称号。同时，我发扬团队精神，帮助其他同学，把自己好的学习经验无私的介绍给其他同学，共同发展，共同进步。

在思想上，我也积极向党组织靠拢，一方面，加强自身的思想道德建设，从思想上武装自己;另一方面，本着为人民服务的宗旨，坚持帮助他人，服务社会，以党员的要求严格要求自己。终于在大三开始的时候光荣的加入了中国共产党，并在一年后顺利转正。

此外，我也在麦当劳做过兼职，很苦，很累，但那段时间也给了我很多快乐。学到很多东西。让我初尝到了生活的艰辛和赚钱的不易。麦当劳作为一家世界一流的企业，它有着严格规范的员工培训机制和工作机制。在麦当劳工作，一方面让我学到了这样的大公司在产品促销、管理，团队合作、顾客服务、品质保证等方面值得借鉴的规章制度和成功经验，另一方面，通过与形形色色的顾客打交道，也增强了我与人沟通的能力，此外，辛苦的工作也磨练了我吃苦耐劳的精神。

四年的学习生活，无论是专业知识还是社会常识，亦或是为人处事，都让我学到了很多，可以说，这四年是我人生中最有意义的一段时光，我的人生理想和人生追求在这段时间内得以确定，对自己的职业生涯发展有了新的规划，生活也有了新的目标。我将继续努力，不断进步，走向成功!

Hello,every one!I am a girl.I am eighteen years old.I have many hobbies.Im very enjoy every nice things.I think they are very wonderful! I am very glad to take part in this compitation. Long ago,I am a shy girl, but in three years in the school,I began to become happy and more comfident.Now,I will act a program. I hope you will like it.Thank you.

Through four years of college life, I grew up a lot. At the time of my graduation, I made a summary of my four years of harvest and experience, and as a guide for my future action.

Ideology, I pursue progress, ideological consciousness has been greatly improved. I love the motherland, love the people, and resolutely support the leadership of the Communist Party and the socialist system. I think the value of a person by his social contribution to others to measure, I joined the Chinese Communist Party is also the reason to strive to achieve self-worth. I have conscientiously studied the various theories of the Party and have endeavored to put them into practice and have a clearer understanding of the Party.

Learning, I think the primary task of college students or learn cultural knowledge, so I learn in the sense, not to relax. I think a good learning method is very helpful to learn knowledge, so after each exam, I will summarize the learning experience. A hard work a harvest, often see their gratifying achievements, I will sigh as long as you have the determination, nothing is impossible. For students of our computer-related majors, the knowledge of light optics is not enough. I use the spare time often read computer class books, and participated in a number of computer-level qualification examination, and achieved good results. I think that learning is the students occupation, the occupation also need to have wisdom, perseverance and perseverance. In today s fast - growing information age, we only learn new knowledge, not only learning is important, a person can not be ignored. Four years of college life gave me a lot of opportunities to challenge themselves, such as the Department of the student council, the yard organization of the speech contest, arts and cultural festival of the show, English speech contest. In the process of participating in these activities, I made some very good friends, learned the way of doing things, exercise their ability. These experiences make me understand some things if you try

I‘m glad to introduce myself to you. My Chinese name is Ma Lin， but you can call me Rock， my English name. I chose Rock to be my English name because I want to be as tough as a rock， hehe. I was born and raised in Guangdong， so I speak both Cantonese and Mandarin.

I‘ll soon graduate from Zhongshan University， majoring in accounting. I think you may have interviewed quite a lot of students from our school， so you know this major prepares us for CGA and most courses are taught in English. My GPA is 3.6， it ranks number 9 in the 115 students in my grade. And I’ve passed 15 exams in CGA， I anticipate I will get the CGA qualification in 20xx.

Besides having good academic performance， I was actively involved in student activities. I was in charge of Student Welfare in my class， and in the Student Union of our school. I enjoyed this position because what I did was very important to everybody， although it was mostly small details.

I had a three-month internship in Guangdong Zhengzhong Accounting Firm. I did the inventory check and helped the accountants to make the auditing reports. My boss was pleased with my performance and he asked me to recommend my classmate to join our team.

KPMG is my dream company. What‘s more， I have great interest in joining

the Tax Department as my long term career goal is to be a tax consultant. I wish my dream could come true today. Thank you!

翻译(我很高兴向你自我介绍。我的中文名字叫马林，但你可以叫我洛克，我的英文名字。我选择摇滚作为我的英文名字，因为我想像摇滚一样坚强，呵呵。我在广东出生和长大，所以我会说粤语和普通话。

我很快就要从中山大学会计专业毕业了。我想你可能采访了我们学校的很多学生，所以你知道这个专业为我们准备了CGA，大多数课程都是用英语授课的。我的平均成绩是3.6，在我年级的115名学生中排名第9。我已经通过了15次CGA考试，我预计我将在20xx年获得CGA资格。

除了学习成绩好之外，我还积极参加学生活动。我在班上负责学生福利，在学校学生会负责学生福利。我喜欢这个职位，因为我所做的对每个人都很重要，尽管大部分都是些小细节。

我在广东正中会计师事务所实习了三个月。我做了库存检查，并帮助会计做了审计报告。我的老板对我的表现很满意，他让我推荐我的同学加入我们的团队。

毕马威是我梦想中的公司。另外，我很有兴趣加入

税务部门作为我的长期职业目标是成为一名税务顾问。我希望我的梦想今天能成真。谢谢您!)

在公开选拔科级干部演讲答辩会上的讲话

同志们： 刚才，参加竞争上岗的25位干部职工都做了精彩的演讲和答辩，每个人都展现了自我，既大胆讲出了自己的优势，又对所竞争的岗位提出了很好的设想，有些想法也非常值得借鉴，总之讲得都很好。 这次，局党委公开选拔科级干部是在区人事局的支持、指导下进行的，是我局前两年公开选拔科级干部工作的延续，也是把我局把干部人事制度引入竞争、激励机制的有效手段。我想，竞争上岗的主要目的就是：对人员进行合理调配、合理使用，把那些有知识、有能力、靠得住的年轻人，选拔到合适的岗位上，真正做到：人尽其才、才有所用、用有所得，使优秀的人才脱颖而出，切实调动广大干部职工的工作积极性、创造性。 为了让全局干部职工更多地了解、关心、支持和参与竞争上岗，局党委对宣传发动工作给予了高度重视，先后两次召开班子会，专题研究部署竞争上岗工作。局党委还组织召开了各单位党政一把手会议，就竞争上岗工作提出了具体要求。各单位一把手按照局党委的部署，及时将竞争上岗的有关政策、条件、程序、要求，传达贯彻给了干部职工。各科室干部职工反映强烈，大家纷纷踊跃报名参加，在我局呈现出了“人人关注竞争上岗、人人参与竞争上岗”的良好氛围。在报名阶段，局党委按照竞争上岗的条件，对报名人员逐条审核、严格把关，确保了竞争上岗工作的顺利进行。 市场竞争归根到底是人才的竞争。今年，全区各单位加快发展的劲头很足，我们××局能不能在竞争中站稳脚跟，不靠人才是不行的。我想，除了要不断提高全体干部职工的整体素质外，还需要我们锻炼那些懂专业、有能力的人来充实我们的基层领导干部队伍，带领广大干部职工参与到这场竞争中。这次竞争上岗给我们的收获很多，我想，主要有以下四点：一是拓宽了选拔人才视野。采取竞争上岗的方式，打破了论资排辈的限制，扩大了选择范围，局党委可以对人员权衡比较、择优任用。二是扩大了民主范围。这次，局党委选拔科级干部，从公布《科级干部竞争上岗实施方案》到今天的演讲答辩会，整个过程都接受了干部职工的监督。而且，今天参加民主评议的各个科室代表都有发言权，都可以通过投票反映自己的意愿，可以说，竞争上岗是过去干部选拔方式不能比的。呆会儿，希望大家拿起手中的笔，为每个人的表现做出公正评判。三是树立了正确的用人导向。这次参加竞争上岗的干部职工，平时扎实工作，表现都比较良好。我想，通过这次竞争上岗将进一步促进全局干部职工的竞争意识和勤奋工作的进取精神。四是探索了选拔人才的新机制。可以说，竞争上岗更好地体现了公开、平等、竞争、优先的原则，促进了优秀人才的脱颖而出。 最后，我代表局党委，就竞争上岗工作，提几点要求和希望： 一、要切实安排好后续工作 今天会儿后，局党委将根据演讲答辩成绩及民主测评结果，对所有参加竞争上岗人员进行综合评价。考察主要包括德、能、勤、绩等方面，还有对潜能的考察，更主要的是考察是否具备担任基层领导干部的素质。然后择优选择，正式确定人选，真正把德才兼备、领导满意、群众拥护的干部选拔上来。综合考评结束后，要抓紧将评定结果以一定的形式反馈给竞岗人员及有关单位，让全局的干部职工切实参与竞争上岗的全过程。 二、要正确对待得与失 今天参加竞争上岗的干部职工共有25名，岗位仅有4个，也就是说要有21人落选。在这里，我想说的是：没有竞聘成功并不代表你平时工作干得不好。刚才，我也说了，今天参加竞争上岗的，平时勤奋学习、扎实工作，表现都很好，基本都工作在第一线、建设第一线。特别是有几名技术人员，加班加点，一直坚守在建设工地，和指挥部领导一起确保了工程建设的顺利进行。总之，一句话：参加竞争上岗的干部职工，都是我局的生力军。不要因为落选而患得患失，闹情绪，竞争上岗的成败不是衡量工作好坏的唯一标准，在什么岗位都可以干出好成绩来。我希望，落选的职工要正确对待“得与失”，要处理好两者的关系，尽快投身于手头的工作中，做出更好、更大的成绩，力争下次竞争上岗成功。这次竞聘成功的职工，要戒骄戒躁、端正思想、摆正心态，在今后的工作中，正确行使手中的权力，变压力为动力，靠动力出效率，真正实现自身价值，不要辜负组织和群众的期望。 三、要继续做好竞争上岗工作 在今后的工作中，我们要加大人才的培养和使用力度，继续做好竞争上岗工作，为全局的年轻人多提供施展才能的场合和机会，多给他们压担子、提要求，多帮助、多指导，为我们××局的人才储备提供宽松的环境。通过这次竞争上岗，全局干部职工要进一步增强忧患意识、竞争意识，营造出一种比学习、比工作、比才干、比贡献的良好氛围。 同志们，上半年的工作已经过去，各科室基本完成了预定任务，但我们完成全年的任务还很艰巨，希望各科室要以这次竞争上岗为契机，团结拼搏、扎实工作，提前或超额完成全年任务，为加快事业的发展努力而奋斗！ 谢谢大家！

Hello, my name is_______. I am_______ years old. Now I am studying in_______Primary School. I am in Grade _______, Class_______.

I live in_______. There are _______ members in my family—father, mother and me. My father is a_______ but my mother is working in _______. I love both of them.

In my spare time, I like _______, and my favorite colour is_______. Also I love__________very much, such as ________________.

I hope I can learn English well, because I think it very important. But_______ is favorite subject, because it is very interesting.

I wish I can become a_______in the future.

Hello!

My name is ANYJOB, from ANYJOB, my personality is bright, honest, easy to get along with people; Likes playing basketball, mountain climbing and running.

I am very happy and honored to join ANYJOB this big family, not only gave me a growth to display themselves and exercise good platform, I also have the opportunity to meet more new colleagues, new friends. - take this, I thank you very much for your leadership, thank you can give me a such a good chance.

I first came here, there are many aspects of knowledge need to everybody to learn, but also hope in the later work we can comments!

I believe that through our mutual understanding between each other and understanding, we will not only become a career has gone hand in hand with the struggle comrades, but a life in the same camp, share weal or woe friend.

Finally, I would like to and everybody a for our common cause to try hard to struggle! Thank you!

date:

to,

m/s.

attn:

general manager

tel: fax:

p.o.box: dear mr,

it is really a great honor to receive invitation, and we are writing to confirm our attendance. mr will attend the investigation and conference in china on time.

best wishes & regards

for

general manager

当你走进六年级二班，坐在第一个座位上的一个小男孩——他个头不高，一双炯炯有神的眼睛，圆圆的娃娃脸，很爱说笑，那就是我今年11岁。

在别人眼中，也许我不是好学生，但是我有自己的个性，只要我认定的事，我就坚持到底。我性格外向，从不隐瞒自己的个性，我开心的时候会大笑，受委屈时会大哭。有时我很强大，有时我很弱小，有甜有酸的生活伴我成长。

我最讨厌那种讽刺、嘲笑别人，我们班就有这样的同学，专门爱打击那些弱小的同学，为这事，班主任还专门在班会上讲这件事。

我有一个缺点，那就是我特别不爱动手。能口算的绝不用笔算，反正一句话，能不动就不动手。

平时，我喜欢运动骑自行车、滑轮滑、打乒乓……我有一个愿望——长大了当一名科学家，教出来的学生干什么得都有。这就是我，一个在平凡不过的小男孩。

I was one with 13 years of teaching experience in physical education teachers, secondary school physical education in a title, came to secondary schools until the school work in .

In professional sports, I am good at basketball, volleyball and badminton; in quality development, I have participated in Aptech ACCP professional learning, and access to Beida Jade Bird and the joint approach the Ministry of Labor, "junior software engineer" certificates, compare savvy knowledge, focusing on the construction and management of dynamic Web sites can be skilled in using office software and Dreamweaver, Flash and other software, have been alone for the area of Justice and the Organization Department established a unit website.

Past achievements have changed with the disappearance of the original schools, wiped out, and I will state the beginning of a new teachers in my school work . In the distinctive secondary education and teaching under the influence of management mode, in this warm and harmonious family, I must give full play to their advantages, and actively join the Cottage in education, to become a good teacher.

I am a kind, beautiful, lively, cheerful, confident, cute, love the girls a freak, my name is ... to not tell you that I am nine years old, is a "nice little Rose for Emily" Oh!

I love to laugh, like fixing a pair of pigtail, long a pair of water Lingling small eyes, a silver tongue, big mouth, I like to make friends, whether male or female, and regardless of your results good or bad, and I will be with you happy to play.

I can be more loving, singing, dancing, piano, English ... my favorite is still singing, my strengths a little more like the stars, the biggest thing I like learning, like reading, so I tell stories is OK.

I also have drawbacks, is my temper very pungent, in boys, but a tomboy in me, because I hit them at every turn. (But the joke that I have never played them cry.)

i am from guangxi university for nationalities no. professional graduates. allow me to take up a few minutes examiners to conduct a self-introduction!

after several years of university campus life， i learned a lot of knowledge. i am pleased to accept and learn new things and do things in life are so self-disciplined; students do in the director-general， through a wide range of unusual and effective improvement measures to complete the communication and cooperation between the departments. a serious and responsible work. with team spirit. academic performance among the best in class， studying and strong interest in learning the spirit of the regular teachers have been well received.

Since July 21 joined Road Equity Investment Fund Management Co., Ltd., with the leadership and colleagues in the companys teaching, training and help, making me in the ideological, work, study all aspects have been improved to varying degrees. Some of the previous work experience and school-related exercise in the work I have engaged in this now have some help, but many things need to re-understand and experience. Learning and practice can produce results of mutual integration, which are inseparable from the patient leadership unit of instruction and intangible body and mind, which I sincerely express my gratitude. Now my probation period since the relevant work summary is as follows:

1. Reimbursement: in strict accordance with the requirements of the financial system, handling expenses reimbursement matters, handling cash, online banking, check the receipt and payment business, so that the cash Nissin statements, reimbursement accurate, and special circumstances, special treatment.

2. Software accounting: timely registration in the financial software, cash, bank accounts, accurate receipt and payment, and regular checks with bank accounts.

3. Statement: according to the weekly capital statements, according to the needs of the preparation of balance sheet.

4. Cash, bills, check and document management: cash and notes management properly, perfect, notes and documents received in time registration, so that evidence to follow.

5. Payroll: the monthly payment of wages in a timely manner and accurate.

6. Banks matters: the daily banking business, mainly including the use of reserve funds, bank account opening, financial products to purchase, the public private money receipt and payment, the end of the month and the beginning of bank statements print, bulk card, credit card And so on with the bank docking matters.

7. Fixed asset management: do software card entry timely, accurate, when the physical inventory inventory, and regular inventory.

8. Financial-related system modification, layout, according to the companys financial system documentation, the production of financial expenses reimbursement process (visio diagram) and the corresponding PPT.

9. According to the business center needs, leadership requirements, collect and organize the financial analysis of the data required to produce the appropriate chart and formatting.

10. Timely and efficient completion of the leadership of the other tasks, to help other departments do the relevant financial work.

After three months of probation, I learned a lot at work. Financial cashier work seems to be simple, but it needs to do a lot of careful and patience, but also need to be cautious. For each sum of money for reimbursement, carefully, strictly in accordance with the companys financial system, and in accordance with the procedures for the implementation, in case of special circumstances are special treatment to ensure the normal operation of the company. To make cashier work can not use the "easy" to describe, it is the first line of financial work, financial revenue and expenditure of the juncture in the companys management plays an important role. As a qualified cashier, must have the following basic requirements: First, learn, understand and master the policies and regulations and company system, and constantly improve their level of business and knowledge and skills. Then, cashier personnel to abide by the good professional ethics. Second, the cashier must have a strong sense of security, cash, notes, all kinds of seals, it is necessary to have the internal custody of the division of responsibility, but also to contain each other.Finally, good communication skills, especially for others to explain or convey the relevant financial matters, good communication and expression can reduce the number of unnecessary unnecessary misunderstanding, greatly improve efficiency. Of course, in many ways, due to their professional knowledge, ability limitations, there are still some deficiencies in the future work in addition to abide by the above basic four points, I will continue to study hard to improve their professional skills, To adapt to the changing social environment and future work carried out by the company, with the times.

These are my three months of this work I have some experience and summary. In the future work and study I will make unremitting efforts to do their own work, and the road with the companys development in sync. At the same time actively assist others, the common development for the company. I sincerely thank the company leaders and colleagues for their support and concern in their work and life. I also earnestly ask the leaders of the company to give me a chance to continue to exercise and realize the ideal. I will use modest attitude and full of enthusiasm to do my own work, create value for the company at the same time, so that their own towards a higher level.

答辩人(被告)：

被答辩人(原告);某银行下属信托公司

答辩人因同被答辩人拆借资金合同纠纷一案，依法答辩如下：

一、本案合同无效

1、合同约定的“拆借资金期限”条款无效

根据中国人民银行《同业拆借管理试行办法》(下称《拆借办法》)第七条规定：“同业拆借资金的期限和利率高限由中国人民银行总行根据资金供求情况确定和调整，拆借双方可在规定的限度之内，协商确定拆借资金的具体期限和利率。”而中国人民银行在“关于印发《拆借办法》的通知”第一条中明确规定：“拆借资金的期限一般为一个月，其他金融机构对专业银行拆出资金，期限最长不得超过四个月。”

本案中，拆借双方签订的三份《拆借合同》约定的拆借期限长达10个月至一年，远远超出上述金融法规规定，当属无效。

2、合同约定的“拆借利率”条款无效

依照中国人民银行规定，同业拆借资金年利率最高不得超过13.17%，折合成月利率为10.98‰。

本案中，拆借双方签订的三份《拆借合同》约定的月利率高达15‰和17‰，远远超出上述金融法规规定，同样无效。

依据《拆借办法》第九条规定，拆借期限和拆借利率为拆借资金合同的必备条款，也是最主要的条款。显而易见，本案拆借双方签订的三份拆借合同，均严重违反国家金融法规规定，依据《民法典》的规定，无疑属于无效合同。

二、被答辩人诉求赔偿“利息、罚息、复利”于法无据

1、由于本案合同无效，按照《民法典》及《民法典》的规定，无效的合同，从订立的时候就没有法律约束力，不受法律保护，当事人只需将依据合同取得的财产返还给对方。本案中答辩人已经将本金归还对方，被答辩人诉求违法约定的“利息”于法无据。

2、合同既然无效，按照法律规定，即使违反该合同也不构成违约。并且造成合同无效的主要责任不在答辩人方面，答辩人已经归还了全部本金，被答辩人诉求“罚息”没有事实根据和法律依据。

3、对于复利：第一，同业拆借计算复利，没有任何法律或政策依据;第二，因为合同无效，所谓的“利息”尚不受法律保护，“复利”更是无源之水，无从成立。

此外，由于被答辩人违法拆借，依据《拆借办法》等金融法规规定，被答辩人的诉求不仅不受法律保护，且应受到“没收非法所得”、“罚款”等处罚。

综上所述，本案合同因主要条款违反了金融法规的规定而无效，造成合同无效的主要责任在于被答辩人。答辩人既已归还全部本金，被答辩人诉求“利息、罚息、复利”没有事实根据，更与法律相悖，请求合议庭依法作出公正判决，驳回被答辩人的诉讼请求。

此 致

答辩人：

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