事业 · 创业者自述
安德鲁·卡内基：安德鲁·卡内基自传·补录 343
安德鲁·卡内基《安德鲁·卡内基自传》· Autobiography of Andrew Carnegie · 领导
He did so and had it transferred. Fortunate, indeed, was this, for in a short time the bank failed with an enormous deficit. My cousin, Mr. Morris, was among the ruined shareholders. Many others met the same fate. Times were panicky, and had we been individually liable for all the debts of the National Trust Company our credit would inevitably have been seriously imperiled. It was a narrow escape. And with only twenty shares (two thousand dollars' worth of stock), taken to oblige friends who wished our name on their list of shareholders! The lesson was not lost. The sound rule in business is that you may give money freely when you have a surplus, but your name never--neither as endorser nor as member of a corporation with individual liability. A trifling investment of a few thousand dollars, a mere trifle--yes, but a trifle possessed of deadly explosive power.
出处：
https://www.gutenberg.org/ebooks/17976
定位：Additional excerpt 343 · 核对日期：2026-10-19 · 核验：短摘录
白话
卡内基的堂兄莫里斯曾持有国民信托公司的股份，后来公司破产，股东们血本无归。卡内基庆幸自己当初只买了二十股、价值两千美元，纯粹是为了给朋友捧场。他由此总结出一条铁律：手头宽裕时，给钱可以大方，但绝不能把自己的名字借出去——既不要给人做担保，也不要加入那种股东须承担无限责任的合伙公司。因为一旦公司倒闭，你的全部身家都可能被拖进去。几千美元的小投资看似微不足道，却可能像炸药一样把你的信用和家底炸得粉碎。所以，帮朋友要量力而行，用闲钱可以，用名字和信用绝对不行。
上下文
安德鲁·卡内基是美国钢铁大王，这是他晚年写的自传，回顾自己从穷小子到巨富的经历，其中专门讲到早年一次险些被拖累的投资教训。
今日一问
你最近有没有为了人情而答应做担保或挂名？如果对方出事，你承受得起吗？
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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