转发自吉祥果原创文章《借钱是不是背业?》

借钱是不是背业?
提问:看您前面文章说,借别人钱经营事业,或者借钱自己用,在没有还钱之前,借钱的人要给被借钱的一方背业,就是要背负债主的业力;可是,你在《银行利息是不是背业?》一文又说,按照利息支付,存款贷款双方都不背业,请问,这不是矛盾吗?
 
回答:您的思维非常缜密,很好;您的反问也很好;是这样的,只要存贷款,只要存在债务关系,在债务关系存续期间,在债务没有偿还之前,借债的一方,都是要背负债主业力的,这是不会变化的,不管是通过银行,或者民间借贷,任何一种都是如此;我前面说,存款贷款不背业,只是特指“利息”部分,我文中已经反复说明,是利息不背业,连文章的标题,都说明了,是“利息是不是背业”,这个不是说借债了,本金不背业;所有的债务,在借债到还债之前,借债的一方都要背业,一直到债务还清,才能卸掉所背负的业力;
 
但是,借债的利息,是属于别人借钱给你,你应该支付对方少许酬劳,你支付了这个酬劳,就不无偿使用别人的钱财,这时候,借债的一方就不会因为无偿使用别人本金,没有酬劳,而背负对方业力,所以,需要给一点利息;被借钱的一方,收到这个利息,也是对方应该支付的报酬,所以,被借钱的一方,也不会背业,包括银行;
 
所以,利息部分,是本金之外的酬劳,这个背业不背业,要另外分析;至于本金部分,在债务清偿之前,决定背业;
 
吉祥果
2016.02.01
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