Philosophically, the debt-forgiveness approach rests on the belief that creditors share culpability for defaults with debtors, since they made the bad loans in the first place. As long as the borrower has not misled the lender at the time of taking the loan, the lender bears at least some responsibility for the transaction.
从原理上说，债务豁免方法的基础是人们相信债权人将和债务人分担违约责任，因为当初给出不良贷款的乃是债权人。只要借款人在获得贷款时没有糊弄贷款人，那么贷款人就至少要为贷款交易负一定的责任。