为什么越有钱的人，越容易借到钱
If the wealthy already have money, why do they borrow, and why do banks lend to them first?
Wallace Wang · Updated 2026-09-14
This chapter is an outline for now. The book is written in public: the full text, stories and cases will be added to this page, at this same address.
Most people borrow when they are short of money. The wealthy borrow while they have plenty, and banks are happier to lend to them. The chapter introduces credit, assets, cash flow and collateral, and shows that lenders care less about need than about repayment capacity and security.
Wealth itself is the fulcrum for access to more capital.
普通人缺钱的时候去借钱。富人明明有钱，为什么还要借？
银行为什么愿意把更多的钱借给已经有钱的人？
这一章第一次出现四个词：
银行借钱看的从来不是你缺不缺钱，而是你还不还得起、拿什么担保。
财富本身，就是获得更多资本的支点。
This book is general education, not investment, tax or lending advice.