借錢給親友的五大黃金法則

Getting hit up for a loan can make you feel like you’re stepping into a minefield. In today’s economy, it’s easy to understand how someone can find themselves in a dark place financially. On the one hand, you want to help out a loved one who’s in need.
當(dāng)有人向你借錢時(shí)，你會(huì)感到如踏雷區(qū)。在當(dāng)今的經(jīng)濟(jì)形勢(shì)下，要明白他人如何身處財(cái)政噩夢(mèng)并不是一件難事，但另一方面，你也想幫助親近之人擺脫危機(jī)。

On the other hand, you’ve heard the stories about loans gone wrong, with friendships ruined and families torn apart. Also, you may be depleting funds that you might need yourself, says Irene S. Levine, Ph.D., psychologist, author and producer of TheFriendshipBlog.com. Even if you’re sure that the asker will pay you back, it’s hard to know if you should proceed.
然而，你一定沒少聽過這樣的事：借錢借出了問題，導(dǎo)致友情破裂，家庭破碎。TheFriendshipBlog.com網(wǎng)站作者兼編輯，心理學(xué)博士艾琳?S?萊文表示，你還有可能因此花光自己需要的錢。即使你確信借款者會(huì)還款，你也不確定是否該把錢借出去。

To help guide you toward making the right decision, we asked financial experts to share five key things to consider before cracking open your wallet.
為了幫助各位在打開荷包前做出正確的決定，我們邀請(qǐng)財(cái)務(wù)專家向大家分享了5點(diǎn)寶貴意見。

Rule 1: Only Say Yes if You Mean It
法則1：想借再借

If you feel guilt-tripped into making the loan by the asker (“I’m desperate!”) or you question your own hesitation (“I must be a bad person or I wouldn’t feel conflicted”), then turn her down, says Levine.
萊文表示，如果你因?yàn)槔⒕尾沤杩罱o請(qǐng)求者（“我走投無路了！”）或質(zhì)疑自己的猶豫不決（“我一定是個(gè)壞人，否則我就不會(huì)這么矛盾了”），那么就選擇拒絕。

If you do cough up the cash when you aren’t sure you want to, you risk feeling resentful, and that can cripple the relationship before it’s even time for her to repay you. Not going through with the loan doesn’t make you selfish or a bad friend; the response may actually protect your bond, she adds.
如果你在不確定是否想要借錢時(shí)勉強(qiáng)借錢給對(duì)方，那么你很可能會(huì)感到憤懣不滿，這種感覺甚至?xí)诮杩钊诉€款前就摧毀你們間的友誼。萊文補(bǔ)充道，不借錢不意味著你很自私或是一個(gè)不合格的朋友，正確的回應(yīng)才能真正維護(hù)你們間的感情。

Levine suggests graciously declining with a sentiment like, “I’d really like to help, but I don’t have the extra money to loan right now.” If you feel like you need to explain further, mention an unexpected expense you were recently hit with, such as higher health insurance premiums, or something you have to save for, like your kids’ college education.
萊文建議，婉拒對(duì)方時(shí)需帶著一種情感，比如“我真的很想幫助你，但現(xiàn)在手頭上沒有多余的閑錢?！比绻阌X得有必要再做進(jìn)一步解釋，那么可以提一些近期碰上的意外開銷，比如高額保險(xiǎn)費(fèi)，或像孩子的大學(xué)費(fèi)用這類需要存錢的花費(fèi)。

Offering to help brainstorm other sources for the loan or ways to bring down her debt (if that’s the situation) can be a thoughtful next move. A true friend or relative will be willing to accept no and then thank you for any additional help. If she doesn’t, better that your relationship sours before you’ve forked over any funds.
下一步體貼的做法是，幫助借款者找尋其他借款來源或想辦法減輕其債務(wù)（如果這是其面臨的處境）。真正的朋友或親人會(huì)接受你的拒絕并感謝你提供的任何額外幫助。如果對(duì)方不這么做，那么這段友情還是在你提供任何資金前先破裂為妙。