Recently, Huang Xiao heard from a friend that his company has an installer. He usually works smartly, speaks well and has a good relationship with everyone. He has worked in this company for more than two years. Who knows that just a few days ago, the company paid a salary of about a week, and the installer borrowed money from everyone, ranging from 300 to 500 1000.
The reason is the same. Family members need surgery when they are sick, and the money is not enough for emergency. As soon as the salary was paid, everyone felt that they had known him for a long time and he was a nice person. It was really going to be paid soon. They also thought there was no problem, so about 20 people in the company lent the money to the installer.
Who knows that he didn't come to work the next day after the completion of the project, and the phone stopped. He called home and said he wouldn't go home and couldn't get in touch.
Then everyone found out that you lent him money, too. It turns out that he borrowed so much money for the same reason. This plan has been planned for a long time, and even a few hundred dollars is not worth calling the police.
Therefore, we have to sigh and admit.
This story tells us that colleagues had better not borrow money from each other. If someone really wants to borrow it, they must write an iou.
Xiao Huang also believes that colleagues belong to a rather embarrassing group when it comes to borrowing money: although they are not as close as family and friends, they get along with each other day and night without bowing their heads. The money relationship between colleagues may be the most real thing that hurts people.
In fact, everyone understands the advantages and disadvantages of borrowing and not borrowing, and even has calculated the cost and return of borrowing money, as well as the risks and losses that may be borne. Moreover, there is a human relationship formula that is beyond the calculation range of economic formula.
What should I do if I meet a colleague to borrow money?
First: try not to borrow money. When chatting with colleagues at ordinary times, try not to involve the topic of family property. If it is involved, be vague and don't deliberately show off your wealth, so as not to become the object of borrowing money. Secondly, the spare money in hand is used for investment and financial management. If a good colleague borrows money, use the money for regular investment and refuse it on the grounds that he can't get it out in a short time, which is decent and harmless.
Second: If you have to borrow it, if it is small, such as 100 yuan or several hundred yuan, you have the right to help your colleagues. If you can return it, you will find the money. Otherwise, if you ask for debts in person, you will turn against each other. If it is a large loan, such as more than 5,000 yuan, you must tell your colleagues euphemistically that you need to write a clear loan. It's not that I don't trust you, but that it's always been a financial habit.
Third, politely ask about the purpose of borrowing money. Sometimes lending money is to help others, but for some people with malicious intentions, lending money to him is actually more likely to help him go to the abyss. Therefore, the purpose of borrowing money is very important, and whether it is justified also determines whether it can be repaid.
Fourth, pay attention to the limitation of action. No one wants to resort to the law to solve the loan problem, but we still have to study the law just in case. China's "General Principles of the Civil Law" stipulates that the limitation period of action is two years, that is, if the debtor fails to perform the debt and the creditor has never claimed the creditor's right within two years, the creditor's right will no longer be protected by law. Therefore, once the debt is due, the creditor should promptly pursue it and demand repayment, or re-issue an iou, sign a repayment plan, and interrupt the prescription. The limitation period after interruption is still two years from the date of interruption.