Take my three debts in recent years for example! The first sum was100000 lent to my husband and niece three years ago, and my husband and niece will be bosses ~ it is a folk fund-raising way that we use to raise money to help solve what happened in Lianjiang, Fujian. The sponsor (meeting leader) leads a group of people (meeting angle) to agree when to bid for the meeting once a month, so people who need money will pay interest according to the urgency of their needs (we assume that the highest price will win the bid for a period of time). People who are anxious to spend money are afraid of not winning the bid, so it is normal to pay 700 yuan more. For the living expenses (those who have not yet won the bid), they only need to pay 2000 yuan less than the pre-tender estimate, and for the dead (those who have won the bid), they need to pay 2000 yuan each time). Because some nightclubs have bad personalities, they won't return the rest, and my niece won't give money to them, because she won't bid for others. My niece owes you a lot of money for nightclubs, probably because there are too many lice and too many non-oxygen debts, and I don't want to pay back the money she kindly lent her. A few months ago, I asked her for money and had a fight with me. I told my relatives that I had no humanity to look down on her, and Pig slapped her in the face. You said it was irritating.
The second one is my friend. She said she needed money badly and borrowed 20 thousand from me for 2 months to pay me back. As a result, when she needed money six months later, I asked her to put it off today, tomorrow and the day after tomorrow. As a result, I couldn't contact anyone at all. I heard that I went to Brazil to do business with the money I cheated.
The third is a friend of my husband's. In June, he said that he would repay the bank loan interest of 5,000 yuan, and said that he would pay me back in two days. As a result, it has been almost half a year, and every time we meet, we don't mention paying back the money.
Therefore, from these experiences of borrowing money, I have come to a conclusion that no matter how strong the relationship between relatives is, no matter how much money is borrowed, as the old saying goes, it is true that relatives who borrow money pay back, and it is better to borrow money than not to pay it back.
There are too many cases of borrowing money and not paying it back. I've met a lot of people who don't pay back. One is that I don't want to return it. For example, a person owed me money before and didn't pay it back. The phone doesn't answer, and WeChat doesn't return. The company moved away. Fortunately, before the company moved out, he was asked to sign an IOU. He was sued a month before the IOU expired. As a result, he was informed that he called me at another number I didn't know and told him why I sued him. He didn't call him and told him that he hadn't given me another number before. Second, people who have no money to pay back can understand and don't like to pursue it. A college classmate owes me 10 thousand yuan for more than five years, and he hasn't paid it back yet. what do you think? Therefore, money can't be borrowed casually now. The present situation is the morbid state of this society, and there is nothing we can do.
First, the temptation of interests, especially the temptation of high interest rates, must be determined. Everyone must be sober about this phenomenon. This is definitely a scam. If you miss his rest, he will miss your foundation, and there will be no pie in the sky.
Second, lazy people can't borrow if they don't know how to struggle. You can't have the slightest sympathy for such people. Your money was saved by your efforts. You study hard. He is naughty, causing trouble everywhere, and even just wants to drag you into it. After entering the society, you work hard, cherish your career, struggle constantly and scrimp, but he doesn't know how to struggle, is lazy and complains about society. Such people deserve it, are not worthy of sympathy, and there can be no such people.
Third, people who don't know the details and know that they can't borrow them. Especially those so-called classmates and friends who haven't seen each other for many years, see you borrow money and donate money in various names, and resolutely stay away;
Fourth, people who speak in strange ways can't borrow it. Such a person is contemptible, thinks he is smart and superior, but he is definitely a villain who incites hatred and does bad things and is not trustworthy;
Fifth, people without integrity can't borrow it. You have been cheated by him, or you have seen others cheated by him. If you trust him again, it's your stupidity, and you should be cheated.
Sixth, people who have always been proud of deceiving others can't borrow it. Some people cheat on the outside, whether it's cheating the country or cheating individuals, you can't associate with such people. Don't think that he has nothing to do with cheating others, you may be the next one to be cheated.
Seventh, people who lend you money for usury can't borrow it. He lives on your money and dreams of getting rich. It's definitely a scam. Such a person is ultimately unable to repay, but you can remind him after discovering his stubbornness that you are determined to stay away from him;
Eight is that flatterers can't borrow it. Many people are regarded as the closest relatives and friends in the end, and many people think that the people who hurt you the most are often your relatives and best friends. In fact, it is often because you are fascinated by their flattery.
Nine is that people who boast that they are very capable can't borrow it. Some people brag about how big their company is, how much money they have, and how many leaders or celebrities they are related to, saying that their careers make a lot of money, and then they wear famous brands and drive luxury cars in front of you, bragging about how many luxury cars they have. You should not envy such a person at all. On the one hand, his wealth has nothing to do with you. On the other hand, such a person is either engaged in pyramid schemes or cheating you with his heart. If such a person asks you for money or investment, on the other hand, his career is so profitable, will he let you make money? You can work it out with your feet. Even his so-called luxury car doesn't know whether it is rented, borrowed or cheated.
Ten is that the money lent must not damage a person's quality of life. No matter how good the relationship is, no matter how honest the other person is, even if you sympathize with him again, there must be a limit to borrowing money, that is, your quality of life must not be affected by the money you borrow, because borrowing money is risky. If your life is affected or even your family breaks down and your career goes bankrupt because of borrowing money, it is a brain problem. Therefore, borrowing money can only affect your future life if you are cheated or the other party is unable to repay it, so that you can recognize the essence of a person, either feed the wild dog or admit your bad luck and then stay away from him.
In modern society, there are more and more lazy people who borrow money and don't pay it back, and there are more and more corresponding debt collection companies. Many people regard debt collection as a business opportunity. Some people still owe money even if the court has issued a "height limit order" (restricting high consumption). No wonder some experts said helplessly that people who owe money are far more ruthless than those who lend money to others, and Yang Bailao is more fierce than Huang Shiren.
Maybe when someone just borrowed money from you, they explained things well, but once you borrow money, it's like a mud cow entering the sea, and it's hard to wait for the opportunity to pay back. So, why are more and more people borrowing money and not paying it back? Our analysis mainly has the following reasons: First, the law enforcement cost is too high and the illegal cost is too low. Just like the money owed to others in the past, you always have to pay it back at the first time and thank others for their help. Now we all see that borrowers often don't come back, and those lazy people are safe in the end. So some people try to borrow money and not pay it back. Seeing that there is no big sequela of borrowing money, there will be more people who don't pay back their debts.
Second, I owe you money and can't pay my debts. My father has a friend who is single in his 60s and likes to make ends meet. After the pension is paid, you will spend a lot. If you don't have enough money at the end of the month, go and borrow money. I'll pay you back a little when the pension is paid next month. Finally, the father lied to his friend that you can't borrow old debts unless you pay them off. Finally, this guy borrowed money to pay off all the debts owed to my dad. My dad and he were completely separated, and his friends were fine. In real life, in order to pay off debts, there are many things that friends turn against each other.
Thirdly, I used to be a manager in a private enterprise. At that time, a purchasing manager just entered the company. This man is generous, as if he were a friend. He invited me out to dinner several times. On one occasion, this Zhao Xiong asked me for money, saying that he was a little short of money and asked me for 800 yuan. I thought we were good friends, so I borrowed it. As a result, this colleague didn't want to return it for more than a year. I can only ask him for money. As a result, he looked at me in surprise and said, "Friend! Even a few hundred dollars have to be taken back? " From then on, everyone became strangers. Such people borrow money and never want to pay it back.
Fourth, it is even more impossible to repay the small money I owe you. Occasionally, I will be sent to other places on business by the company. At that time, the company sent me an assistant named Jin, and we were on a business trip for two weeks. Anyway, we get along well. When I finally returned to Shanghai and was about to break up, my colleague named Jin borrowed 50 yuan from me, and his trip back was gone. I gladly lent him 50 yuan money to go home by car. A few days later, I went to ask him for it. He asked me, why do you even want 50 yuan? Maybe in this man's opinion, don't ask me for this kind of money.
Why are more and more people not paying their debts? That is, when someone owes you a lot of money, either, he has the ability to pay you back, but the illegal cost is too low. If you don't pay it back, you won't have friends to do, and other consequences won't happen. Either that or he won't get a loan at all. It's no use forcing him. Others feel that they don't have to pay you back if they owe you a little money. They don't want to pay you back. However, I think that no matter how much money you owe others, as long as you owe money, you should return it in time. This is not only a personal credit problem, but also a social credit problem. A society without a credit system will definitely delay the sustainable development of the economy.
Why do many people borrow money now and not pay it back?
I'll answer it
There is an old saying in China, "If you are in emergency, you will save the poor". Emergency is to help people in need, help them tide over the difficulties and let them go on by their own efforts; Saving the poor means throwing money into a bottomless pit, and you won't see it come back. Save people from danger, even if it is a thousand dollars; But simply giving money to the poor will only drag them down in the end.
Deliberately not returning it
Such people are generally selfish and most exasperating. They have money to spend, but they just don't pay the bill. In the face of such people, only legal means can be taken.
As the saying goes, "it's all grandfathers who borrow money and grandsons who ask for money", so borrowing money is risky and you need to think twice before you act!
There is another kind of person who has no problem with the quality of honesty, but for various reasons, he has temporarily encountered economic difficulties and is unable to repay you or borrow money from other places. If you are well-connected and trustworthy, you can negotiate with friends who owe you money. In line with the principle of understanding him, you might as well adopt the method of installment payment, which will not only reduce his repayment pressure, but also gradually recover the borrowed money.
There is an old saying in China, "If you are in emergency, you will save the poor". Emergency is to help people in need, help them tide over the difficulties and let them go on by their own efforts; Saving the poor means throwing money into a bottomless pit, and you won't see it come back. Save people from danger, even if it is a thousand dollars; But simply giving money to the poor will only drag them down in the end.
Deliberately not paying back the money, such people are generally selfish and most exasperating. If they have money to spend, they just don't pay back. In the face of such people, only legal means can be taken.
As the saying goes, "it's all grandfathers who borrow money and grandsons who ask for money", so borrowing money is risky and you need to think twice before you act!
There is another kind of person who has no problem with the quality of honesty, but for various reasons, he has temporarily encountered economic difficulties and is unable to repay you or borrow money from other places. If you are well-connected and trustworthy, you can negotiate with friends who owe you money. In line with the principle of understanding him, you might as well adopt the method of installment payment, which will not only reduce his repayment pressure, but also gradually recover the borrowed money.
Because the money is getting worse and worse, there are too many pits. Originally, I wanted to make money to pay off my debts, but I ended up in a quagmire and fell into a trap. Too many people make money without a bottom line, which makes people doubt human nature. It's better to be a gangster than to make money and pay off debts! To say the least, there are too many liars. Most of the projects are aimed at making money, which leads many people to be heavily in debt and doubt the society, so they drift with the tide and lose the integrity of being a man.
Because people are selfish, if they have money, they won't pay it back. They buy everything by themselves, but they don't pay back the money. Some people really have no money to pay back. Due to the influence of western thoughts, they generally live an advanced consumption life. Car loans and mortgages overdraw their economic ability, and they are insolvent and have no extra money to pay back. There are still some people who always feel that others owe him. If you have money, you should share the flowers. When you said you borrowed money, you actually asked for money in disguise, so you didn't pay it back.
Life is short and unpredictable. It is only natural to borrow money and pay back the money. Nowadays, most people have strong vanity and face-saving, and they all want to get something for nothing. Borrow if you have no money, and don't know how to pay back if you have money. There are many such people in society now. Most of the borrowers are friends and classmates. I'm embarrassed to know that my friends and classmates turned against each other for money, but I just won't change anyway. What can you do with me? Otherwise, people will disappear. When they get to this point, they will be dead mice, feeling cold, without credibility and face.