事业 · 创业者自述
安德鲁·卡内基：安德鲁·卡内基自传·补录 260
安德鲁·卡内基《安德鲁·卡内基自传》· Autobiography of Andrew Carnegie · 领导
The business man has no rock more dangerous to encounter in his career than this very one of endorsing commercial paper. It can easily be avoided if he asks himself two questions: Have I surplus means for all possible requirements which will enable me to pay without inconvenience the utmost sum for which I am liable under this endorsement? Secondly: Am I willing to lose this sum for the friend for whom I endorse? If these two questions can be answered in the affirmative he may be permitted to oblige his friend, but not otherwise, if he be a wise man. And if he can answer the first question in the affirmative it will be well for him to consider whether it would not be better then and there to pay the entire sum for which his name is asked. I am sure it would be. A man's means are a trust to be sacredly held for his own creditors as long as he has debts and obligations.
出处：
https://www.gutenberg.org/ebooks/17976
定位：Additional excerpt 260 · 核对日期：2026-10-19 · 核验：短摘录
白话
商人职业生涯中最危险的事莫过于为商业票据背书。只要问自己两个问题就能轻松避免：第一，我是否有足够的余钱，能毫无不便地支付我在这笔背书下可能承担的最大金额？第二，我是否愿意为这个朋友损失这笔钱？如果两个问题都能肯定回答，明智的人或许可以帮朋友这个忙，否则不行。如果第一个问题能肯定回答，他最好考虑是否干脆现在就支付要求他背书的全部金额。我确信这样更好。一个人的财产是神圣的信托，只要他有债务和义务，就要为他的债权人守住它。
上下文
卡内基在自传中总结自己经商生涯的教训，强调财务谨慎和友谊的界限。
今日一问
当朋友请你做担保时，你会先问自己哪两个问题？
公版传记；原文逐字取自 Project Gutenberg，仅摘录段落并附全书链接。
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