How to refuse colleagues to borrow money?

Refusing a colleague to borrow money can take the following steps:

1. Express your thoughts frankly: When a colleague asks for a loan, you can express your thoughts frankly, such as "Sorry, I can't lend you money" and "I am in financial difficulties and can't help you". At the same time, be concise and clear, and don't explain or cover up too much.

2. Euphemistic refusal: When refusing a colleague's request to borrow money, we should pay attention to using euphemistic methods to show goodwill, so as not to hurt the feelings of colleagues. For example, "I think this is still a personal problem, so let's keep a professional relationship." "I understand the difficulty of your situation, but I also have some financial difficulties at present, so I can't help you for the time being."

3. Don't be too polite: Although refusing a colleague's request to borrow money requires consideration of goodwill and respect for each other's feelings, it is not necessary to be too polite and accommodating. If you think this request is unreasonable or will affect your normal life, you can refuse it directly.

4. Offer other help: When you refuse a colleague's request to borrow money, you can also consider offering other forms of help. For example, help them find other ways to solve problems, give advice, encourage them to be self-reliant and so on.

In a word, refusing a colleague's request for borrowing money requires respecting your own wishes and being polite and friendly. You'd better think carefully before refusing, don't be too impatient, and don't worry about the other person's feelings. Only in this way can we avoid causing unnecessary trouble.