事业 · 创业者自述
P.T. 巴纳姆：奋斗与胜利·补录 525
P.T. 巴纳姆《奋斗与胜利》· Struggles and Triumphs · 领导
You reflect that he is worth twenty thousand dollars, and you incur no risk by indorsing his note; you like to accommodate him, and you lend your name without taking the precaution of getting security. Shortly after, he shows you the note with your indorsement cancelled, and tells you, probably truly, “that he made the profit that he expected by the operation,” you reflect that you have done a good action, and the thought makes you feel happy. By and by, the same thing occurs again, and you do it again; you have already fixed the impression in your mind that it is perfectly safe to indorse his notes without security.
出处：
https://www.gutenberg.org/ebooks/50115
定位：Additional excerpt 525 · 核对日期：2026-10-19 · 核验：短摘录
白话
你看到他身家两万，觉得给他背书没风险，又乐意帮忙，就签了名，没要抵押。不久他拿回已注销背书的票据，说赚到了预期的利润，你觉得自己做了好事，心里高兴。过一阵同样的事再来，你又签，于是你脑子里已经认定：给他背书绝对安全。问题就在这：第一次没出事，不等于风险不存在，只是还没发生。人情和侥幸会一步步把谨慎磨掉。做法是：任何担保都先问最坏情况自己扛不扛得住，该要的抵押和书面约定不能省，别用上一次的顺利给下一次打包票。
上下文
巴纳姆是美国19世纪著名马戏团经纪人，他在自传《奋斗与胜利》中总结经商教训，这段话讲人情担保如何让人放松警惕。
今日一问
你最近一次因为“上次没事”而省掉的防范措施是什么？
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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