Topic(题目)：

　　It is sometimes said that borrowing money froma friend can harm or damage the friendship. Doyou agree? Why or why not? Use reasons andspecific examples to your answer.

　　Model Essay(范文)：

　　I don’t think it’s a very good idea to borrow money from a friend. It can cause resentment andawkwardness in the relationship. How do you approach your friend without making him feelhe has to do this for you? It’s unlikely he’ll feel as if he can turn you down. Can be turn youdown without insulting you? Probably not.

　　How do you know whether your friend can afford to lend you the money? He may beembarrassed to admit he’s a little short of funds himself. Or he might not want to disappointyou. So he lends you the money and then he needs money, too.

　　There’s also the question of when you’ll pay back the loan. It’s awkward for your friend to askfor a deadline for repayment. Besides, if you’re short of funds, you may not be able to predictwhen you’ll pay him back. What about interest on the loan? If it’s a small amount of money,this doesn’t matter. However, if large funds are involved, and you won’t be paying it back for awhile, should you offer to pay interest? Should your friend ask you to pay interest? All theseissues can result in hurt feelings and can harm the friendship.

　　It’s possible, of course, that if you borrow money from a friend and pay it back in a timelyfashion, this will create a special bond between the two of you. You’ll know that you can counton your friend when you need help. He’ll know you’re trustworthy.

　　However, more often than not, money issues between friends are an embarrassment. If youneed money, it’ s better to go to a bank for a loan.

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（实习编辑：高奕飞）