闹心！仙桃一对好友因这事，反目成仇...
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max-width: 100%; visibility: visible; box-sizing: border-box !important;'><section data-darkmode-bgcolor-15932285319316="rgb(25, 25, 25)" data-darkmode-original-bgcolor-15932285319316="rgb(255, 255, 255)" data-darkmode-color-15932285319316="rgb(163, 163, 163)" data-darkmode-original-color-15932285319316="rgb(0, 0, 0)" style='margin-top: 10px; margin-bottom: 10px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; align-items: center; display: flex; text-align: center; visibility: visible; box-sizing: border-box !important;'><section data-darkmode-bgcolor-15932285319316="rgb(25, 25, 25)" data-darkmode-original-bgcolor-15932285319316="rgb(255, 255, 255)" data-darkmode-color-15932285319316="rgb(163, 163, 163)" data-darkmode-original-color-15932285319316="rgb(0, 0, 0)" style='outline: 0px; max-width: 100%; box-sizing: border-box; display: inline-block; vertical-align: bottom; width: auto; flex: 1 0 1px; visibility: visible;'><section data-darkmode-bgcolor-15932285319316="rgb(25, 25, 25)" data-darkmode-original-bgcolor-15932285319316="rgb(255, 255, 255)" data-darkmode-color-15932285319316="rgb(163, 163, 163)" data-darkmode-original-color-15932285319316="rgb(0, 0, 0)" style='margin-top: 0.5em; margin-bottom: 0.5em; outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;'><section data-darkmode-bgcolor-15932285319316="rgb(25, 25, 25)" data-darkmode-original-bgcolor-15932285319316="rgb(255, 255, 255)" data-darkmode-color-15932285319316="rgb(163, 163, 163)" data-darkmode-original-color-15932285319316="rgb(0, 0, 0)" style='outline: 0px; max-width: 100%; border-top: 1px dashed rgb(62, 62, 62); height: 0px; line-height: 0; visibility: visible; box-sizing: border-box !important;'><br></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section><section style='outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; text-align: center; line-height: 2em; box-sizing: border-box !important;'><span style='color: rgb(0, 128, 255);font-size: 16px;'><strong>“养卡”</strong></span></section><section style='outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; text-align: center; line-height: 2em; box-sizing: border-box !important;'><span style='font-size: 16px;'>就是<span style='color: rgb(0, 128, 255);'><strong>帮人打理信用卡</strong></span></span></section><section style='outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; text-align: center; line-height: 2em; box-sizing: border-box !important;'><span style='color: rgb(0, 128, 255);font-size: 16px;'><strong>进行代还、套现</strong></span></section><section style='outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; text-align: center; line-height: 2em; box-sizing: border-box !important;'><span style='font-size: 16px;'><span style='color: rgb(0, 128, 255);'><strong>增加信用额度</strong></span>等业务</span></section><section style='outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; text-align: center; line-height: 2em; box-sizing: border-box !important;'><span style='font-size: 16px;'><strong><span style='color: rgb(0, 128, 255);'>并从中收取一定比例的手续费</span></strong></span></section><section style='outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; text-align: center; line-height: 2em; box-sizing: border-box !important;'><span style='font-size: 16px;'>随着<span style='color: rgb(51, 51, 51); font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; text-align: justify;'>“养卡”</span>的普及</span></section><section style='outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; text-align: center; line-height: 2em; box-sizing: border-box !important;'><span style='font-size: 16px;'>一些因而发生的纠纷开始频发</span></section><section style='outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; text-align: center; line-height: 2em; box-sizing: border-box !important;'><span style='font-size: 16px;'>市民倪某某就因为“养卡”</span></section><section style='outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; text-align: center; line-height: 2em; box-sizing: border-box !important;'><span style='font-size: 16px;'>而</span><span style='font-size: 16px;'>和朋友反目成仇</span></section><section style='outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; text-align: center; line-height: 2em; box-sizing: border-box !important;'><span style='font-size: 16px;'>从而对簿公堂</span></section><section style='outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; text-align: center; line-height: 2em; box-sizing: border-box !important;'><span style='font-size: 16px;'><br></span></section><p style='text-align: center;margin-bottom: 0em;'><span class="wxart_image" wx-style='display:inline-block;'></span></p><section style='outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; text-align: center; line-height: 2em; box-sizing: border-box !important;'><span style='font-size: 16px;'><br></span></section><section style='outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; text-align: center; line-height: 2em; box-sizing: border-box !important;'><span style='font-size: 16px;'>专栏《以案说法》</span></section><section style='outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; text-align: center; line-height: 2em; box-sizing: border-box !important;'><span style='font-size: 16px;'>和您一起关注由“养卡”带来的危害</span></section><section style='outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; text-align: center; line-height: 2em; box-sizing: border-box !important;'><span style='font-size: 16px;'><br></span></section><section class="channels_iframe_wrp wxw_wechannel_card_not_horizontal"><mpvideosnap class="js_uneditable custom_select_card channels_iframe videosnap_video_iframe" data-pluginname="videosnap" data-id="export/UzFfAgtgekIEAQAAAAAA_pUzTSszIAAAAAstQy6ubaLX4KHWvLEZgBPE1IMoGTcrHeSCzNPgMIsOdbKVlIS2w7qmxDf2zOo-" data-url="https://findermp.video.qq.com/251/20304/stodownload?encfilekey=rjD5jyTuFrIpZ2ibE8T7Ym3K77SEULgkiawsnWANB55icztfmCN3ymG3K776B0zVaWIdWMYAVuGX66guWeIo28TLUy7CDqLHXcrc9Y1CoQeEDv0Fia5fw8qmSA&adaptivelytrans=0&bizid=1023&dotrans=0&hy=SZ&idx=1&m=&scene=0&token=cztXnd9GyrE2Vcj0PJqngoJlaRZFaAPoxp6ZiaBHRfaNVEOqLAFtt0SK7bCQ7bPOlHibBNXhQXXhI" data-headimgurl="http://wx.qlogo.cn/finderhead/bSb5dSzPn0IEgLWf0hMUqxLRC7WKL44yPJz1LXIgeNcogR6GJEKicVQ/0" data-username="v2_060000231003b20faec8c4e48910c3d6cf07ef32b0776acea095d96c920332f21f2076cf37bd@finder" data-nickname="仙桃电视台" data-desc=" 以案说法之“养卡”为害 后患无穷（上）#科普 #信用卡 #法律 " data-nonceid="7907786478972727471" data-type="video" data-width="1080" data-height="1440"></mpvideosnap></section><section style='outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; text-align: center; line-height: 2em; box-sizing: border-box !important;'><span style='font-size: 16px;'></span></section><section data-role="outer" label="edit by 135editor"><section data-tools="135编辑器" data-id="107403"><section style='margin: 10px auto;'><section style='display: inline-block;'><section style='display: flex;justify-content: center;align-items: center;'><section style='background-color: rgb(229, 198, 148);padding: 2px 10px;margin-right: 4px;box-sizing: border-box;'><section data-brushtype="text" style='letter-spacing: 1.5px; color: rgb(255, 255, 255);'><span style='font-size: 18px;'><strong>案件详情</strong></span></section></section><section style='box-sizing:border-box;width: 30px;flex-shrink: 0;'><span class="wxart_image" wx-style='display:inline-block;max-width: 100% !important;box-sizing:border-box;vertical-align:inherit;width: 100%;display: block;'></span></section></section><section style='box-sizing: border-box;width: 100%;height: 1px;background-color: rgb(54, 71, 150);margin-top: 3px;max-width: 100% !important;overflow: hidden;' data-width="100%"><br></section></section><section style='background-color: rgb(243, 245, 251);padding: 30px 25px;box-sizing: border-box;'><section data-autoskip="1" style='text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background: transparent;'><p style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: normal; outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; line-height: 2em; text-indent: 2em; box-sizing: border-box !important;'><span style='font-size: 16px;'>2019年6月，市民倪某某的朋友王某联系到她，让她帮忙完成信用卡业务，并称可以帮助提升信用卡额度。不用本人使用信用卡就能提升信用卡额度，对方又是自己信任的朋友，禁不住反复劝说，倪某某动心了，于是<span style='text-indent: 0px;'>她</span>将自己持有的某银行信用卡交由王某使用。而她没想到的是，卡到了别人手里，可由不得自己了。</span></p><section style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: normal; line-height: 2em; text-indent: 2em;'><span style='font-size: 16px;'>2021年1月5日，因信用卡逾期未还，倪某某多次催促王某还款并要求其返还信用卡，均没有结果，倪某某遂于2021年5月将上述信用卡挂失，并补办新的信用卡。截止到2021年5月13日，上述信用卡应还款项金额为10468.03元，倪某某向王某讨要上述款项未果，遂诉至法院。</span></section></section></section></section></section></section><p style='line-height: 2em; text-align: center;'><span style='font-size: 16px;'>中国人民银行依据</span></p><p style='line-height: 2em; text-align: center;'><span style='font-size: 16px;'>《中华人民共和国银行法》</span></p><p style='line-height: 2em; text-align: center;'><span style='font-size: 16px;'>制定的《支付结算办法》</span></p><p style='line-height: 2em; text-align: center;'><span style='font-size: 16px;'>和《银行卡业务管理办法》中均明确规定</span></p><p style='line-height: 2em; text-align: center;'><span style='font-size: 16px;'>信用卡仅限于合法持卡人本人使用</span></p><p style='line-height: 2em; text-align: center;'><span style='font-size: 16px;'>持卡人不得出租或转借信用卡</span></p><p style='line-height: 2em; text-align: center;'><span style='font-size: 16px;'>那么</span></p><p style='line-height: 2em; text-align: center;'><span style='font-size: 16px;'>倪某某的诉讼请求</span></p><section style='line-height: 2em; text-align: center;'><span style='font-size: 16px;'>能不能得到法院支持呢？</span></section><section style='line-height: 2em; text-align: center;'><br></section><section data-role="outer" label="edit by 135editor"><section data-tools="135编辑器" data-id="105729"><section style='margin: 10px auto;text-align: center;'><section style='display: inline-block;'><section style='display: flex;justify-content: center;'><section style='box-sizing:border-box;width: 25px;'><span class="wxart_image" wx-style='display:inline-block;max-width: 100% !important;box-sizing:border-box;vertical-align:inherit;width: 100%;display: block;'></span></section></section><section style='background-color: rgb(211, 163, 76);padding: 5px 20px;box-sizing: border-box;'><section data-brushtype="text" style='font-size: 16px;letter-spacing: 1.5px;color: #fff;'><span style='font-size: 18px;'><strong>法院判决</strong></span></section></section></section><section style='border-width: 1px; border-style: solid; border-color: rgb(122, 129, 165); padding-top: 35px; padding-right: 25px; padding-left: 25px; margin-top: -15px; box-sizing: border-box;' hm_fix="384:526"><section style='box-sizing: border-box;width: 100%;text-align: justify;line-height: 2em;text-indent: 2em;max-width: 100% !important;'><span style='font-size: 16px;'>本案中，倪某某将其信用卡交给王某使用，双方并无借贷的合意，不应当认定为民间借贷纠纷，系无名合同，本案的案由应为合同纠纷。王某将倪某某的信用卡转交给他人使用，对于因他人使用信用卡产生的费用9923.46元，应由王某返还给倪某某。</span></section><section style='box-sizing: border-box;width: 100%;text-align: justify;line-height: 2em;text-indent: 2em;max-width: 100% !important;'><span style='font-size: 16px;'>关于利息及违约金等相关费用应如何承担的问题，本案中，倪某某、王某明知信用卡仅限于合法持卡人本人使用，仍然把信用卡交给王某使用，双方在主观上具有恶意串通行为，增大了信用卡恶意透支风险，妨害了国家金融管理秩序，因而</span><strong><span style='font-size: 16px; color: rgb(0, 128, 255);'>双方过错相当，应各自承担一半的责任</span></strong><span style='font-size: 16px;'>。因借用信用卡给倪某某造成损失544.57元，由双方各自承担272.29元。</span><strong><span style='font-size: 16px; color: rgb(0, 128, 255);'>判决：一、王某于本判决生效之日起十日内返还倪某某10195.75元；二、驳回倪某某的其他诉讼请求</span></strong><span style='font-size: 16px;'>。</span></section><section style='display: flex;justify-content: center;margin-top: 30px;'><section style='box-sizing: border-box;width: 55%;height: 5px;background-color: rgb(211, 163, 76);max-width: 55% !important;overflow: hidden;' data-width="55%"><br></section></section></section></section></section><section data-role="paragraph"><section style='line-height: normal;'><br></section><section class="channels_iframe_wrp wxw_wechannel_card_not_horizontal"><mpvideosnap class="js_uneditable custom_select_card channels_iframe videosnap_video_iframe" data-pluginname="videosnap" data-id="export/UzFfAgtgekIEAQAAAAAAfmI4v1AX0wAAAAstQy6ubaLX4KHWvLEZgBPE14MIZC9uEOeCzNPgMItd7-JSusOVjvv-mUEIq9Mf" data-url="https://findermp.video.qq.com/251/20304/stodownload?encfilekey=rjD5jyTuFrIpZ2ibE8T7Ym3K77SEULgkiaiaP2UvV3QQ9byKSYSq8VVXNaLpwibP7vCtUVLlsgLsB1jNRRS7pUG8GoDxQvKIx5GkvbsCQiaxQxwECujZTVTdLzA&adaptivelytrans=0&bizid=1023&dotrans=0&hy=SZ&idx=1&m=&scene=0&token=AxricY7RBHdXuCf3YIDw0lkl8qzeayicYGqaQ7HzNr8t9rX7hibHQia2iawGpIGEGm3aejQiaibYJYDMmY" data-headimgurl="http://wx.qlogo.cn/finderhead/bSb5dSzPn0IEgLWf0hMUqxLRC7WKL44yPJz1LXIgeNcogR6GJEKicVQ/0" data-username="v2_060000231003b20faec8c4e48910c3d6cf07ef32b0776acea095d96c920332f21f2076cf37bd@finder" data-nickname="仙桃电视台" data-desc="以案说法之“养卡”为害 后患无穷（下）#科普 #信用卡 #法律 " data-nonceid="17197875494891549301" data-type="video" data-width="1080" data-height="1440"></mpvideosnap></section><section style='line-height: normal;'><br></section><section style='line-height: 2em;text-align: center;'><span style='font-size: 16px;'>由于“养卡”</span></section><section style='line-height: 2em;text-align: center;'><span style='font-size: 16px;'>倪某某和朋友对簿公堂</span></section><section style='line-height: 2em;text-align: center;'><span style='font-size: 16px;'>因为自身存在私自出借信用卡的过错</span></section><p style='line-height: 2em;text-align: center;'><span style='font-size: 16px;'>最终要和对方各承担一半的责任</span></p><p style='line-height: 2em;text-align: center;'><span style='font-size: 16px;'>那么在现实生活中</span></p><p style='line-height: 2em;text-align: center;'><span style='font-size: 16px;'>这种出借、出租、出售信用卡行为</span></p><p style='line-height: 2em;text-align: center;'><span style='font-size: 16px;'>可能会产生哪些法律风险呢？</span></p><section style='text-align: center;line-height: normal;'><br></section><section data-role="outer" label="edit by 135editor"><section data-tools="135编辑器" data-id="105728"><section style='margin: 10px auto;text-align: center;'><section style='background-color: rgb(247, 248, 255);padding: 35px 25px;box-sizing: border-box;' hm_fix="264:488"><section style='display: flex;justify-content: flex-start;align-items: center;'><section style='box-sizing:border-box;width: 40px;'><span class="wxart_image" wx-style='display:inline-block;max-width: 100% !important;box-sizing:border-box;vertical-align:inherit;width: 100%;display: block;'></span></section><section data-brushtype="text" style='letter-spacing: 1.5px;color: rgb(55, 66, 120);margin-left: 15px;text-align: justify;'><span style='font-size: 18px;'><strong>法官说法</strong></span></section></section><section style='box-sizing: border-box;width: 100%;height: 1px;background-color: rgb(95, 104, 147);margin-top: -5px;max-width: 100% !important;overflow: hidden;transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-ms-transform: rotate(0deg);-o-transform: rotate(0deg);' data-width="100%"><br></section><section style='display: flex;justify-content: flex-start;align-items: flex-start;margin-top: 15px;'><section style='box-sizing:border-box;width: 22px;height: 22px;margin-right: 13px;flex-shrink: 0;'><section style='font-size: 16px; letter-spacing: 1.5px; color: rgb(255, 255, 255); line-height: 24px;' data-original-title="" title="">1</section></section><section data-brushtype="text" style='letter-spacing: 1.5px; color: rgb(85, 85, 98); text-align: justify;'><span style='font-size: 16px;'>妨害国家金融管理秩序，导致发卡行无法对授信风险进行评估和管理，增加了信用卡被恶意透支、形成不良信贷的风险。</span></section></section><section style='display: flex;justify-content: flex-start;align-items: flex-start;margin-top: 15px;'><section style='box-sizing:border-box;width: 22px;height: 22px;margin-right: 13px;flex-shrink: 0;'><section style='font-size: 16px; letter-spacing: 1.5px; color: rgb(255, 255, 255); line-height: 24px;' data-original-title="" title="">2</section></section><section data-brushtype="text" style='letter-spacing: 1.5px; color: rgb(85, 85, 98); text-align: justify;'><span style='font-size: 16px;'>存在民事法律风险，根据合同相对性原则，银行不受实际使用人有无偿还能力的影响，担保偿还信用卡本息的仍是出借人。</span></section></section><section style='display: flex;justify-content: flex-start;align-items: flex-start;margin-top: 15px;'><section style='box-sizing:border-box;width: 22px;height: 22px;margin-right: 13px;flex-shrink: 0;'><section style='font-size: 16px; letter-spacing: 1.5px; color: rgb(255, 255, 255); line-height: 24px;' data-original-title="" title="">3</section></section><section data-brushtype="text" style='letter-spacing: 1.5px; color: rgb(85, 85, 98); text-align: justify;'><span style='font-size: 16px;'>存在刑事法律风险，将信用卡肆意出借、出售给他人，他人持卡期间如发生信用卡非法套现、诈骗、高利转贷等违法犯罪行为，出借人、出售人可能承担相应的刑事责任。</span></section></section></section></section></section></section><p style='line-height: 2em;text-align: center;'><br></p><p style='line-height: 2em;text-align: center;'><span style='font-size: 16px;'>“养卡”为害 ，后患无穷</span></p><p style='line-height: 2em;text-align: center;'><span style='font-size: 16px;'>出借信用卡</span></p><p style='line-height: 2em;text-align: center;'><span style='font-size: 16px;'>不仅面临遭受财产损失</span></p><p style='line-height: 2em;text-align: center;'><span style='font-size: 16px;'>和个人征信负面影响的风险</span></p><p style='line-height: 2em;text-align: center;'><span style='font-size: 16px;'>更有可能成为犯罪的“帮凶”</span></p><p style='line-height: 2em;text-align: center;'><span style='font-size: 16px;'>大家一定要提升安全意识</span></p><p style='line-height: 2em;text-align: center;'><span style='font-size: 16px;'>拒绝“养卡”</span></p></section></section><section style='line-height: normal;'><br></section><section style='outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: center; line-height: 1.75em; visibility: visible; box-sizing: border-box !important;'><section data-role="outer" label="edit by 135editor" style='outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;'><section data-role="outer" label="edit by 135editor" style='margin-bottom: 24px; outline: 0px; max-width: 100%; color: rgb(51, 51, 51); font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: normal; text-align: justify; visibility: visible; box-sizing: border-box !important;'><section style='outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;'><section label="edit by 135editor" style='outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;'><section data-role="outer" label="edit by 135editor" style='margin-bottom: 24px; outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;'><section data-role="outer" label="edit by 135editor" style='outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;'><section data-role="paragraph" style='outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important;'><section data-role="paragraph" style='outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important;'><p style='outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-align: left; visibility: visible; line-height: normal; box-sizing: border-box !important;'><br></p><p style='outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-align: left; visibility: visible; line-height: normal; box-sizing: border-box !important;'>来源：仙桃电视台</p><p style='outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-align: left; visibility: visible; line-height: normal; box-sizing: border-box !important;'><br></p></section></section></section></section></section></section></section></section></section></div><p></p> 对与错 发表于 2022-7-17 18:37这真是个烂缘，还有车，房产证，电话卡，身份证都不能借，替别人担保贷款签字也不能干，身边有些亲兄弟姊妹 ...
急用钱就找支付宝和微信，如果微信和支付宝都不借，那你也别借。 对与错 发表于 2022-7-18 09:37
都像你这样通情达理，哪有矛盾，一些人总想着，你有钱，我借一万，你借5000，我都不高兴，人心不满足。 ...
自从老家的乱苑借我钱不还后。我再也没借钱给他们了。
同事同学都有互相借，因为大家都有稳定的工作，人品也都不错。基本到时间就还了。 现在还有这么傻的人吗？
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