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Topic: Do you agree or disagree? It is often said that it is unwise to borrow money from a friend since the friendship can be damaged.
As a Chinese saying goes friends are the one you can rely on besides your family. Therefore, some people take the fact of borrowing money from friends as normal. However, the idea above is unwise and vulnerable to everyone in my opinion.
Generally speaking, no one is cold-blooded and apathetic about friends’ trouble. Refusal of a friend’s help is never an easy thing. Some people help their friends with money under the pressure of friendship. Because many people treat it as an evidence of friendship. Therefore, even though one is not truly willing to lend the money, he has no choice but give the money away to their friends.
In addition, asking for money return is another problem for the lender. As the reason mentioned above, it’s pretty hard to deny the request of a friend’s, and so as to ask the borrower to pay off. This phenomenon makes the lender waiver an inch to lend the money and results in a tough issue between friends for always. Adding that the money can be used in a better and profitable way, it’s unwise to lend it to someone that return is impossible to expect.
As the progress of banking industry, it’s getting much easier to borrow money from banks. Although the interest rate may be a disadvantage to the borrower compared to borrowing from friends, yet no risk in damage to friendship is definitely a tempting outcome to consider this method. For the society, this can lift up the efficiency of social resources and increase the circulation of money. Without doubt, the prosperity of finance business merits the society and reduces the controversy of borrowing money between friends.
To sum up, considering the hardness of saying no to a friend’s need and request for the money back, borrowing money from a friend has nothing but a trouble to everyone. This not only risks the friendship, but also is an inefficient way to manage the money. To cherish the valuable friendship, borrowing money from banks is a better alternative for every person.