Qin Yulong/Wen borrows money from everyone, but neither Beijingers nor Shanghainese are willing to borrow money from others unless they have to. First, I feel humiliated; Second, I am afraid that others will not borrow it, and third, I am afraid that borrowing it on time will not affect the relationship between relatives and friends. However, the situation has changed in recent years. Borrowing money has become a normal life. It's a great honor to borrow money. If you can't borrow money, you will lose face. At present, there is a jingle circulating in Pingliang, Gansu Province: those who borrow money to spend are capable people, those who make money to spend are fierce people, and those who make money to spend are cowards. Half a bottle often borrows money. It's not convenient to borrow ten dollars and eight dollars from colleagues and friends temporarily, at most a few hundred dollars. In my half life, the most borrowed money was when I bought a house, and I borrowed nearly 654.38+million from the bank. Whether I borrow private money or bank money, I try to return it on time and in time, for fear that someone will call for money or collect debts. So, although I also borrow money, I am not a capable person. As for "competing for people" to spend money, we ordinary people can't learn, such as corruption and bribery of officials, such as the underworld opening underground casinos to collect protection fees, such as "three hands" pocketing their own money, such as swindling and cheating. Since you can't be talented and learn to fight for others, be a coward honestly. The year before last, Half Bottle met a friend whom I hadn't seen for years. He seems to get along well. After the greeting, he said that he was working on a project, made a little money, and warmly invited me to tea. A few days later, my friend called me and said I was in a hurry. I am short of several thousand dollars for the time being, and I ask if I can save it. I said that my wife kept a close eye on me, never took any money with her, and occasionally hid a few hundred dollars of private money. Listening to his anxious appearance, I called my wife and asked him to give this friend several thousand dollars first. However, what I didn't expect was that I borrowed two thousand yuan and my friend hasn't heard from me for two years. He made a phone call in the middle, and I didn't have the courage to mention paying back the money because I couldn't put down my face. My friend said that he was busy with infrastructure projects in other places, but he didn't mention paying back the money, which made me very uncomfortable. At the end of last month, I heard that he came back, but he will always pay me back. I think, if the amount of money borrowed is larger, such as 1 10,000 to 20,000, I will probably sue him in court, but the amount of 1000 to 2000 is not large, so it is not cost-effective to go to court. Some people say that they lend money to friends now, and in the end, either the money is gone or the friends are gone. Of course, it is also possible that there is neither. However, if the amount of money borrowed is larger, tens of thousands, hundreds of thousands, millions, even if your friends are gone, you can't let go of the money! So once this happens, the purpose of freezing and auctioning assets is to get the money back, regardless of hurting feelings. However, further, what if a person borrows a huge amount of money, which exceeds all his assets, and the auction is not enough to pay off his debts? "Half Bottle" has a fellow businessman who made a lot of money by selling furs in his early years. Unfortunately, he was cheated out of his house and car and owed hundreds of thousands of dollars to the bank. One day, when I went to his house, I happened to meet the bank to withdraw money. He lay on the broken sofa without lifting it. He said to the banker, this house is not mine, you can't take it. The pots and pans in this family, including my wife and baby, can be taken away if you want, and you can't pull them down. The banker said, we will sue you for this! He said, tell me quickly and take me away. The food in my house is not as delicious as that in the detention center! People say: In today's society, Yang Bailao is better than Huang Shiren! This is not only a cold humor, but also a satire in the realistic context. Nowadays, there are many people who borrow from banks, and private lending is also booming. Some people even set up "private banks" to lend. I can't help it In order to buy a house, we ordinary people took a mortgage loan from the bank, but we were detained by others, so we had to show our tears. Because we borrowed less money and had a house as a mortgage, we didn't dare to breach the contract or pay back the money. And those who make a living by borrowing money to rob Peter to pay Paul, or the bosses of large and small companies, are not afraid, and will proudly brag to you: too much debt does not worry, too many lice do not bite! Liu Yang said: Suppose you borrow 65438+ hundreds of thousands from the bank. If you don't pay back, the bank will use various means to force you to pay back the money, go to court, seal up, auction and so on. Until you turn your house and car into money and return it to the bank. But what if you borrow millions, tens of millions, hundreds of millions of yuan from the bank? Even if all your assets are auctioned, it won't be enough. What will the bank do? You are the boss at this time. As long as you put on a "want money or die" look, the bank can't wait to send bodyguards to follow you every day, lest you get hurt, run away or commit suicide one day. The bank will put in a good word for you, so please pay back part of it first, even if you can't pay it all. If you say to the bank at this moment: Lend me millions or tens of millions more as capital, or I can't make money and pay back your original money, maybe the bank will agree. Therefore, in modern society, you don't have to borrow money, but you need to borrow huge amounts of money to borrow money. Borrowing a little money is looked down upon, and borrowing a lot of money until it is completely unaffordable. You are a hero, a talented person and a rare animal under special protection. Based on the above reasons and facts, relatives and friends can borrow money, but never borrow big money.