How to lend money, or why we do not return the debt?
Each of us occasionally have to be provided in a situation where our friends are asked to help them and 1,111,112. 11111139 borrow. money to the nearest "salary".
Yes, and we ourselves sometimes a need "to intercept "A certain amount to better times.
Typically, we're going to meet people and lend them money. And here comes an interesting point - in effect takes a stern law of life - " Want to lose a friend - give him a duty of 11,111,137. .
Yes, I will agree, we usually return the borrowed money. At the same time all too frequent, confirming the sad truth of life ", when our relations with the debtor themselves for a long time or forever spoiled.
You can say that I exaggerate? Not at all! Case of default is not isolated!
Do not return not only personal debts, not return and made bank loans. Here's the official information of Corporate Governance Development of Russia: "Russians are owed to banks [b] 250 миллиардов рублей. Именно такая сумма была просрочена по кредитам in 2009.
Why is this happening? Understanding the causes of non-repayment of debt will act properly in the future. So, why should we not give to get the money?
I see all 3 main reasons for this:
1. Banal "forgetfulness" 11,111,137 people. - Indeed, swirling man ran, and forgot about elementary made you money. In this case, and recall, but do not start right away to sulk on the debtor. Sam forgot, I confess!
[b] 2. The man in serious financial trouble 11,111,137. That can not be solved in principle. And, taking a loan, a person only during its final pushes "bankruptcy". Unfortunately, in such cases will have to forget about your money - alas, they no longer will give ever!
[b] 3. Ordinary deception - You do not intend to return to take the money!