为什么不能轻易借钱?这是我听过的,最好的答案
Why can’t we borrow money easily? This is the best answer I’ve ever heard
不能轻易借钱是因为借贷存在风险。
You can’t borrow money easily because there are risks in borrowing.
借款人可能无法按时还款或者根本无法还款，这会给借款人和出借人带来财务损失和法律纠纷。
The borrower may not be able to repay on time or at all, which will bring financial losses and legal disputes to the borrower and the lender.
除此之外，过度借贷也可能导致债务陷阱，让人陷入无法摆脱的债务循环。
In addition, excessive borrowing may also lead to a debt trap, causing people to fall into an unavoidable debt cycle.
另外，借钱也需要考虑借款人的信用记录和借款人的还款能力。
In addition, the borrower’s credit record and repayment ability should also be taken into account when borrowing money.
如果借款人的信用记录不佳，或者收入和负债比例过高，那么很难获得贷款，或者借到的贷款利率会非常高。
If the borrower’s credit record is poor, or the ratio of income and debt is too high, it is difficult to obtain loans, or the loan interest rate will be very high.
这也会增加还款的难度，可能会导致更大的债务问题。
This will also increase the difficulty of repayment and may lead to greater debt problems.
因此，借钱前应该认真评估自己的财务状况和还款能力，并选择可靠的借贷渠道，避免盲目借款和过度借贷。
Therefore, before borrowing money, you should carefully evaluate your financial situation and repayment ability, and select reliable borrowing channels to avoid blind borrowing and excessive borrowing.
