[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2025101722194067371":3,"related-JP2025101722194067371":31},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"articleTitle":11,"coverImage":12,"listImage":12,"introduction":13,"description":14,"nonVipDescription":15,"postTime":16,"viewTime":16,"sortNumber":17,"isFree":18,"isShowList":7,"isRecommend":18,"linkType":7,"isOriginal":6,"hasMiniUrl":18,"hasAdvertising":18,"createBy":19,"updateBy":19,"createTime":20,"visitCount":21,"isLiked":18,"realSearch":22,"isRead":18,"productId":23,"isCollected":18,"collectCount":24,"vipExclusive":18,"allowComment":7,"style":25,"canCopy":18,"likeCount":10,"seoKeywords":15,"articleModuleVoList":26,"extendContentList":27,"noteCount":28,"categoryList":29,"dailyKeywordList":30},10,7643,"1",1,"JP2025101722194067371","1041018",3,"社会大学第四课：别人找我「借钱」，怎么办？","https:\u002F\u002Fimage.jane7.com\u002F04b02cc3-72ed-4e09-aad1-af1d506b2e04.jpg","分享1个比「借钱」更好的思路","\u003Cdiv>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">大家好，我是简七编辑部的冰冰。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">前段时间，我的同事 S 遇到了一件让她颇为纠结的事：\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">多年没联系的亲戚，突然向她借钱。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">S 的为难，其实我们都懂：\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">不借，怕伤感情；借吧，又怕要不回来。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">办公室一圈聊下来，发现大家都遇到过类似的情况；\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">「别人找我借钱」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">，真是社会大学的一门必修课。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">今天我们就来聊聊，\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">\u003Cspan style=\"font-weight: bold;\" textstyle=\"\">什么钱能借？什么钱该拒绝？万一要不回来了怎么办？\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin: 0px 16px;padding: 0px;\">\n  \u003Cimg alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002F51318a18-4166-4875-9314-d1c4adf1de32.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px 16px;line-height: 2em;text-align: center;color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">01 \u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">我和 S 在\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">「借钱」\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">这件事上，算是立场一致：\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">既不爱向别人借钱，也不爱借钱给别人。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">但现实里，我们谁没被人借过钱呢？\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">我第一次真正体会到\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">「借钱的尴尬」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">，还是在高中。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">当时，我最好的朋友准备出国留学，她妈妈找到我妈，说办手续需要一笔\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">「资金流水」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">，希望我们能帮个忙，一年内一定还清，还特意叮嘱朋友自尊心很强，让我们\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">别告诉朋友本人。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">考虑到两家关系不错，我妈同意了。结果，\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">一年、两年过去，钱一直没还；\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">直到我们家准备买房，我妈才犹豫着让我问问能不能先还一半？\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">可那时候，我在朋友圈里看到朋友\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">频频晒新包、去高级餐厅\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">，我心里的问号一个接一个：\u003C\u002Fspan>\u003Cspan leaf=\"\" style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;color: rgb(222, 120, 2);font-weight: bold;\">「她不是没钱吗？」\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">最后，我还是鼓起勇气，把这件事告诉了朋友，她很惊讶，也连连道歉，后来一年内陆续把钱还清了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">那一刻，我们都松了口气：终于可以，只做朋友，不谈钱。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">后来，我几乎不会借给别人钱，\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">如果说「不借」的担心是「伤感情」，那么借出去之后再要，也会伤感情呀。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">但当我的朋友遇到困难，我会主动包一个\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">「不用还的红包」\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">；这样感情更纯粹，也不留心结。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin: 0px 16px;padding: 0px;\">\n  \u003Cimg alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002F870273ba-4fef-4266-b014-39ac7cbc1abc.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px 16px;line-height: 2em;text-align: center;color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">02\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">其实，借钱这件事是有\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">「分级」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">的，不同类型的钱，风险和情感成本都不一样。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">我自己的判断标准有三条，你可以参考看看。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">\u003Cspan style=\"background-color: rgb(255, 218, 169);color: rgb(0, 0, 0);\" textstyle=\"\">1）借出去，不会影响你自己的生活。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">如果把钱借出去，你就得吃土、还得暂停存钱计划，那就不划算。能借的钱，只能是你\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">「闲钱」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">的一部分。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">\u003Cspan style=\"background-color: rgb(255, 218, 169);color: rgb(0, 0, 0);\" textstyle=\"\">2）借出去，不指望一定能拿回来。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">如果在还没借出去时，心里已经觉得\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">「对方可能还不了」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">，那不如直接给对方一笔\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">「不用还的钱」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">；既帮了对方，也不至于让自己陷入\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">「钱要不回来，关系也僵了」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">的尴尬境地。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">\u003Cspan style=\"background-color: rgb(255, 218, 169);color: rgb(0, 0, 0);\" textstyle=\"\">3）什么样的钱能借，什么样的钱最好别借？\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">借钱前，要判断对方有没有\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">还款能力\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">和\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">还款意愿\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">。有的人真的是遇到突发情况，比如家人生病、公司裁员；有的人则是花得比挣得多，借多少钱都解决不了根本问题。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">如果他只是想用你的钱维持体面，那这笔钱，就不值得借。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">说白了，能借的钱，应该是是\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">对方有明确的还款计划、有信用有能力、确有急需\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">的钱；不能借的，是\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">你不确定能不能要回来的钱\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">即便心里都清楚，依然有很多朋友\u003Cspan style=\"color: rgb(0, 0, 0);\" textstyle=\"\">难以\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">\u003Cspan style=\"color: rgb(0, 0, 0);\" textstyle=\"\">开口拒绝\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">\u003Cspan style=\"color: rgb(0, 0, 0);\" textstyle=\"\">。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">其实，借钱帮人，不是唯一的\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">「表达善意」\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">的方式。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">帮忙可以有很多形式：\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">出主意、找资源、给一点小红包。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">只要是出于真心帮助，\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">「不借」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">也不意味着冷漠；而是对自己生活有考量的成熟。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">另外，最好平时就能多跟身边人，表达你的原则：比如\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">「我现在都不给别人借钱了，上次借出去太尴尬了」；\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">久而久之，别人会理解我们的立场，我们也就不用临时编理由了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin: 0px 16px;padding: 0px;\">\n  \u003Cimg alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002Ff2bc15b9-7006-4eee-9e40-5f14e93a741a.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px 16px;line-height: 2em;text-align: center;color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">03 \u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">有时候，我们确实想帮，那也得\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">帮得有边界\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">如果你决定要借出去，一定要留好\u003C\u002Fspan>\u003Cstrong>\u003Cspan data-pm-slice=\"1 1 ["para",{"tagName":"p","attributes":{"style":"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin-top:0;margin-bottom:0;margin-right: 16px;margin-left: 16px;line-height: 2em;"},"namespaceURI":"http:\u002F\u002Fwww.w3.org\u002F1999\u002Fxhtml"},"node",{"tagName":"strong","attributes":{},"namespaceURI":"http:\u002F\u002Fwww.w3.org\u002F1999\u002Fxhtml"}]\" leaf=\"\">「法律效力」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">的痕迹：\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">1）转账时备注清楚：\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003Cspan leaf=\"\">网上转账很简单，无论是微信、支付宝，还是银联转账，都有备注栏，我们一定写清\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">「××借款××元」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">，比如\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">「张三借款3000元」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">2）写借条（电子也行）：\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">如果借款金额比较大，还是很推荐写一份正式的欠条，其中需要包括：\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cblockquote style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;border-left: 2px solid #bbbfc4;color:#646A73;margin-inline-start: 16px;\">\n  \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;font-size: 14px;\">\u003Cspan leaf=\"\">借款人姓名、身份证号、借款金额（数字+大写）、借款日期、还款日期、利息（如果没有，就写「无息」），最后需要双方签名，及按手印。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fblockquote>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">写了借条的情况，如果对方部分还款，比如我借给张三10万元，后来张三还了我5万元，那么我只需要给张三写一份\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">「收到还款5万元」\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">的\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">收据\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">就可以了，在张三完成全部还款前，这份欠条依然有法律效力。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">还有一种比较简单的办法是\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">「电子借条」\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">，比如通过\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">「腾讯电子签」\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cspan leaf=\"\">->\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">「借条」\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">，线上生成后，会自动带上时间戳和电子签章，法律效力与纸质借条一致，还可以实时记录\u003C\u002Fspan>\u003Cspan leaf=\"\" style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">转账凭证。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\" style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;line-height: 2em;\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"text-align: center;margin-left: 16px;margin-right: 16px;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002F81f02540-ffe0-43fe-b56c-b9ba708ceb10.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;text-align: center;\">\u003Cspan leaf=\"\">\u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\" textstyle=\"\">图源：腾讯电子签\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">这样做并非\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">「不信任」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">，而是保护彼此，不让\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">「帮忙」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">变成\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">「纠纷」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"margin: 0px 16px;padding: 0px;\">\n  \u003Cimg alt=\"图片\" src=\"https:\u002F\u002Fimage.jane7.com\u002F8753e0ce-3f9e-44f9-8afb-703ef920e127.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px 16px;line-height: 2em;text-align: center;color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">04 \u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">如果你已经把钱借出去，但对方迟迟不还，也别急着硬碰硬；现在维权其实有很多温和的方式。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">你可以这样一步步来：\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">\u003Cspan style=\"background-color: rgb(255, 218, 169);color: rgb(0, 0, 0);\" textstyle=\"\">第一步：文字沟通，留证据。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003Cspan leaf=\"\">先别打电话，建议用微信或短信催款。因为一切文字记录，尤其是对方\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">承认借款、承诺还款\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">的内容，都能成为你后续追款的重要证据。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">\u003Cspan style=\"background-color: rgb(255, 218, 169);color: rgb(0, 0, 0);\" textstyle=\"\">第二步：发一份正式的「催款函」。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">口头催款后，对方依然没有还款意愿，可以试试发送正式的\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">「催款函」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">这类函件可以找律师代写，也可以自己写；重点内容包括：\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cblockquote style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;border-left: 2px solid #bbbfc4;color:#646A73;margin-inline-start: 16px;\">\n  \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;font-size: 14px;\">\u003Cspan leaf=\"\">借款事实（什么时候借、金额多少）\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;font-size: 14px;\">\u003Cspan leaf=\"\">对方未按约定还款的情况；\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;font-size: 14px;\">\u003Cspan leaf=\"\">明确要求在某个日期前归还，否则将提起诉讼。\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fblockquote>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">催款函有3个作用：\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">提醒、取证、催还。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">我们可以寄\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">挂号信\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">，也可以通过\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">电子邮件、微信、支付宝聊天窗口\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">发送并截图保存。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">\u003Cspan style=\"background-color: rgb(255, 218, 169);color: rgb(0, 0, 0);\" textstyle=\"\">第三步：必要时，走法律途径。\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">如果催款函发出后，对方依然逃避，你可以打开微信：搜索\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">「微法院」\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">小程序 ->选择所在地法院 ->在线立案。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection nodeleaf=\"\" style=\"text-align: center;margin-left: 16px;margin-right: 16px;\">\n  \u003Cimg src=\"https:\u002F\u002Fimage.jane7.com\u002Faea1705d-227c-4535-beeb-ad5758757962.jpg\">\n \u003C\u002Fsection>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;text-align: center;\">\u003Cspan leaf=\"\">\u003Cspan style=\"font-size: 14px;color: rgb(136, 136, 136);\" textstyle=\"\">图源：微法院小程序\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003Cspan leaf=\"\">只要准备好\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">借款人身份信息、转账凭证、聊天记录\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">等材料，系统就会自动立案、分配法官；法院一般会先线上调解，大多数案件其实能在这一阶段解决。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">走到这一步时，很多人会突然发现，\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">自己对借款人的信息留得太少\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">。比如：\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cblockquote style=\"margin-right: 16px;margin-left: 16px;line-height: 2em;border-left: 2px solid #bbbfc4;color:#646A73;margin-inline-start: 16px;\">\n  \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;font-size: 14px;\">\u003Cspan leaf=\"\">欠条上名字没核对清楚\u002F完整；\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;font-size: 14px;\">\u003Cspan leaf=\"\">没留对方的身份证号；\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;font-size: 14px;\">\u003Cspan leaf=\"\">没写清借款时间或用途……\u003C\u002Fspan>\u003C\u002Fp>\n \u003C\u002Fblockquote>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">这些\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">细节疏忽\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">，在关系好的时候不觉得重要，可一旦出问题，就成了维权的\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">「绊脚石」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">其实，一个真正想还钱的人，不会介意签字或留证；而介意的人，本身的还款意愿，就要打个问号了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">相比\u003C\u002Fspan>\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">\u003Cspan style=\"color: rgb(0, 0, 0);\" textstyle=\"\">人财两空\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan leaf=\"\">，早些看清一段不对等的关系，对我们来说，反而是一种保护。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">对我来说，借钱是感情的分水岭：\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">懂感恩的人，不借也能体谅；不懂感恩的人，借了也要不回来。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan style=\"color: rgb(222, 120, 2);\">\u003Cstrong>\u003Cspan leaf=\"\">每一个「愿意借钱」的朋友，都比钱更珍贵。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">希望我们都能既保留善意，也守住底线，让每一次\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">「借」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">与\u003C\u002Fspan>\u003Cstrong>\u003Cspan leaf=\"\">「不借」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan leaf=\"\">，既不伤害感情，也不伤害自己。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">\u003Cbr>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"font-family: Optima-Regular, PingFangTC-light;font-size: 16px;letter-spacing: 1px;caret-color: rgb(51, 51, 51);visibility: visible;margin: 0px 16px;line-height: 2em;\">\u003Cspan leaf=\"\">晚安~\u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fdiv>","","2025-10-17 22:17:00",100,0,"py自动生成","2025-10-17 22:19:40",33,false,17801,6,"1038002",[],[],2,[],[],[]]