2

　　? Why does your friend need the money?

　　●

　　3

　　. You might settle for a verbal (口头的) agreement since it's with someone you're close to, but putting the loan in writing will enable both of you to treat it as a business arrangement. The agreement should spell out the terms, including any interest and the punishment for late payments.

　　●State your repayment terms clearly. Decide how much and how often payments are to be made, and then keep to that schedule.

　　4

　　. It's better to figure out what you will do if your friend can't make a payment ahead of time than trying to work it out when it happens.

　　●Follow up in a businesslike way. Make a note in your calendar to remind your friend a few days ahead of the due date. Wait to see if your friend pays on the due date without the reminder.

　　If not, tell him or her when you might expect payment, and let him or her explain the delay.

　　5

　　， set a new date for the payment.

　　A．There is no way

　　B．Once you've heard the explanation

　　C．Discuss what happens if a payment is missed

　　D．How much does your friend want

　　E．Whether you decide to lend the money is up to you

　　F．You could lose your money and relationship

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