Discussion » Chinese Language & Culture » We still need Integrity and Credit( 诚ऩ

  • MY Chinese Study
    MY Chinese Study wrote:
    <p>Integrity means righteousness, word being true to ac-tion, keeping one’s word and never cheating others. ”To be always true in word and resolute in deed”, ”What is said cannot be unsaid”, these are the old sayings that lasted for generations, which depicted a good picture of Chinese people with integrity and keeping their word. For thousands of years, these qualities have been honored and practiced diligently by people. About 2 000 years ago, Confucius taught his disciples that ”When you know a thing, to hold that you know it; and when you do not know a thing, to allow that you do not know it. This is the right attitude toward study.”</p> <p>Zengzi was also a person who was upright and always abided by his word. One day, Zeng’s wife was about to go to the market, her little son was making a tearful scene insisting to go with her. In order to calm him down, she coaxed him into not going with her with a prize of slaughtering a pig for him to eat when she returns. When she got back from the market, she saw Zengzi was on his way to slaughter a pig and tried to stop him. Zengzi said, ”Once you deceived him, he would not believe in you any more.” Therefore, the pig was killed. By never lying to his son, Zengzi taught his son with his action to keep faith. <img src="http://img.dl.e.weliveinchina.com/_outimages/98617B60A1C9077E2C1D2F46170B5F06/536/WMDEditor/2/2012/5/2/536_1000201205022022164391-2.png" alt="alt text" /> In the late Qin Dynasty, there was a man called Ji Bu, who was always true to his word. It is said that ”Ji Bu’s promise is more valuable than tons of gold”, which is the origin of the famous saying ”One promise equals to one ton of gold”. Later on, Ji Bu got in trouble, he escaped it thanks to his friends’ help. It is obvious that when someone keeps to his word, he will be rewarded with respect and honor. In the past, there was always a sign at the entrance of the store, saying ”genuine goods at a fair price, equally honest with aged and child customers”, which shows that during trade transactions in old China, it is honorable to be honest in business.</p>
  • 叮噹叔叔 (令狐叮噹)

    。。。

    Hahahahaha ... and we also need credit cards ... when will it be a breeze instead of a pain, for foreigners to get credit card in China? What happened to trust?

  • Alex ^∞
    Alex ^∞ wrote:

    Credit cards are the Devil's 名片

    Use debit!!! Only spend what you have!!! And not all of it either!!!

    There is no need for credit cards, except for the Bank's need to fu(k its "customers" in the ass every 5 seconds.

  • 叮噹叔叔 (令狐叮噹)

    ...

    Hahahahaha ... other than I lost one AMEX statement by mail many years ago, which cost me about 30 bucks Oz in interest, I have never once paid interest on credit cards :)

    Only spend what you have!!! And not all of it either!!!

    Agreed, but from what I have observed over the years, you dont need a credit card to go broke every month ...

    It just needs a little self-control ...

  • 叮噹叔叔 (令狐叮噹)

    。。。

    Hahahahaha ... you were referring to the "sales pitch" of a product, namely credit cards, but not the credit cards itself ...

    The thing is that the banks in China, actually, as well as Hong Kong, have not provided the education of how to manage money, always “selling” the plus side of credit cards, which is convenience, but omitted the down side, which is debt and interest ...

    Like what Minus said:

    Only spend what you have!!! And not all of it either!!!

    I have an AMEX, as well as a Visa from an Oz bank, plus a Chinese one, the total limit of which is within my affordability, but it does not mean that I will ever spend that much ...

    With the ATM thing, it is so not related to credit cards anyway ... heehee :)

  • Alex ^∞
    Alex ^∞ wrote:

    but the banks are doing it so wrong.

    Tara, the Big secret, which in fact is not at all a secret is: The banks are doing it so RIGHT (for themselves).

    I'm not capable of paying back that amount in a month if i used it all.

    They are literally DESPERATE for you to go over that amount AND not be able to pay it back. Why? Because then they are able to generate near infinite profits off your "debt" until you can "pay it back in full" (regardless of whether or not you have "paid it back in full" through accruals ten times over).

    You see, the interest the bank charges on credit loans is ALWAYS higher than a conservatively adjusted rate of return on its other investments. The bank would in fact far rather get you and a million of your friends into massive debt that invest in projects which may or may not create a return. One thing it knows though, about individual debts, is that they can bully and chase the debtor pretty much for the rest their life. Sure, some bad debts are written off, but individual debtors to the bank are their absolute best bet of continued revenue stream - without really having to take on any new risk at all. Its sick really, and degrading society the world over.

  • 叮噹叔叔 (令狐叮噹)

    。。。

    Hahahahahaha ... that reminds me of this: 无商不奸 ... they can of course make it better, but they wont ...

    From the view of 阴谋论, maybe that's why they make it so damn difficult for foreigners to get credit cards, because they know that they are less likely to make money out of interests ...

  • Alex ^∞
    Alex ^∞ wrote:

    but let's not leave personal responsibility out of the equation, shall we?

    Well said. There existed for sometime, and it is still the case, i'm sure, a situation where the overwhelming majority of the "middle classes" in both the USA and western europe were living beyond their means (the oft uncited REAL reason for the global financial crisis). But what of the culture that created this obsession with outdoing ones neighbors and 'Keeping up with the Joneses". Well, without credit, this would never have happened, and without the concept of "credit" as a potential avenue of profitable investment (more profitable than other means) for the banks, they would never have offered it as a product.

    It's called risk, which is reflected by the interest rate.

    Interest rates are made up not of just risk calculations but also profitability calculations. They do far more than cover just risk - but perhaps there should be legal provision for them to do just that. (Another discussion.)

    People always talk about things like "the banks should have done more background checks" - sorry, but, nonsense. This would imply that there should have been selective laws in place to determine what "type" of borrower can be lent to. Why do this when the bank is perfectly capable of doing the calculations themselves... Far more logical would be to put a limitation on the level of accrued payments a debtor is liable for - THAT would make the bank more selective about who they lent to without screwing up anything important - such as the cashflow of small businesses which would otherwise rely on microcredit.

    On better background checks for loans: The banks would only (will only) do this when it becomes PROFITABLE for them to do so. Until now (and tomorrow will no doubt be the same) banks will NOT conduct thorough background checks on individual small loans and credit card advances. Why? Because it would not be profitable for them to do so; the small amount gained through a reduction of bad debts would be offset by the cost of the background checks themselves. Unfortunately, it serves large banking institutions better to just go ahead and extend a loan to anyone who wants one, then capitalize on the excessive interest they deem you owe to them. All governments wholeheartedly support this thuggery, incidentally.

  • 叮噹叔叔 (令狐叮噹)

    。。。

    Hahahahahaha ... dangdang? That sounded familiar ...

  • Ajantha Manohar

    After read this, I have a trascendental question>

    Communist governments make people stupid

    or

    They were born stupid and for this reason they live under the rule of a communist goverment??

  • №❶ Passioη

    numb, number, numbest

    numbness has its advantages

    alt text

  • Fabian Kollen
    Fabian Kollen wrote:

    都泥马扯蛋,老外所谓的诚实守信都是建立在他们物质财富高度上的,也就是财富够了,再谈精神方面的事。

    早期欧洲的那些寻找新大陆的西班牙或葡萄牙的掠夺者们在发现美洲后把当地当时1500万的印第安人几乎屠杀灭绝,然后他们这群畜生在美洲大陆开始发展,当时他们怎么不谈诚实守信呢。

  • 叮噹叔叔 (令狐叮噹)

    。。。

    哈哈哈哈,你又从你的洞洞跑出来了?用类似的说话,去翻看中国历史,也有不少例子吧?

  • Fabian Kollen
    Fabian Kollen wrote:

    哥们儿,你学好中文再来同我交流吧。

    你总是别人说前门楼子,你非说动物园儿猴子。

  • Şerife
    Şerife wrote:

    Taylor 为什么这么喜欢说 前门楼子?

  • Fabian Kollen
    Fabian Kollen wrote:

    老北京俚语不懂啊,你来自????

  • Şerife
    Şerife wrote:

    当然懂,我知道那意思...就是觉得你特爱说这句...好奇呗

  • Fabian Kollen
    Fabian Kollen wrote:

    主要针对叮裆gay,因为他无法用中文交流

  • Şerife
    Şerife wrote:

    哥们儿,人家不是gay 好嘛,估计是中文表达方式和咱不太一样...广东那边的中文我就看不懂

  • Fabian Kollen
    Fabian Kollen wrote:

    难道你已经证明了他不是gay啊

  • 叮噹叔叔 (令狐叮噹)

    。。。

    哈哈哈哈,şerife,可能因为他知道我不懂这个,就拿这个来说吧?

    他嘛,之前就一直说我是gay 的,但我不怒不气,反而给我找到取笑他的空间,让他觉得挺不爽的!

    现在,他知道了我不懂得押韵嘛,让他有了那么一点点的优越感,就时时刻刻都拿这个来说!

    其实,就像动物园的猴子(或姥姥喜欢“交”的猩猩),它们自以为,有一个动作,做的比人类好,就比人类高明!应该是这样一个理论吧?

    因为他无法用中文交流

    哈哈哈哈,你看,你看,猴子以为,中文就只有一个标准,却容不下其他地方的中文!

  • Şerife
    Şerife wrote:

    我晕!我就知道你会这么说...等我证明了绝对会第一时间告诉你我只是说你该遇事说事 没想到你这么喜欢话中带刺

  • Fabian Kollen
    Fabian Kollen wrote:

    骚瑞,逗你玩儿呢

  • 叮噹叔叔 (令狐叮噹)

    。。。

    哈哈哈哈,猴子,你懂得拍手嘛?或翻跟斗?让大家拍个照看看!

  • Fabian Kollen
    Fabian Kollen wrote:

    oh Gosh! hahahah!!!! hey, buddy gay Ding dang, see so many 猴子s come to show their photos after your order.

    ROFL!!!!

  • 叮噹叔叔 (令狐叮噹)

    。。。

    哈哈哈哈,你又出来扮人了?但最起码,你比姥姥像人,你父母应该很高兴!

    不要欺负人家看不懂中文,哦,不对,不对,我说的不是中文,你是没有理由看得懂的啊?

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