From chapter one of 転校先の清楚可憐な美少女が、昔男子と思って一緒に遊んだ幼馴染だった件

[![fig1](https://i.stack.imgur.com/V7s3S.jpg)](https://i.stack.imgur.com/V7s3S.jpg)

I have difficulty understanding the meaning of 貸し and 借り in this panel,
especially in this line

> この貸しは借りになることなく相殺もしない

Based on what I know. 貸し means something like "loan" and is used from the
perspective of lender. 借り also means "loan" and is used from the perspective
of borrower. It is similar to the difference あげる and くれる. But I can't apply my
understanding on the sentence above.
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2022-05-13T04:40:41.887
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question
meaning
Meaning of 貸し and 借り in「この貸しは借りになることなく相殺もしない」
Usually, 借り is used to mean something you owe someone. It doesn’t have to be
money. I can be a favor or something.

> 君にひとつ借りがある。  
>  I owe you one.

The same thing can be said as 貸し from the opposite angle.

> 君にひとつ貸しがある。  
>  You owe me one.

However, it seems these words are used in a twisted way in your manga, like
when one person makes the other person angry or something, the second person
gets the right to “pay back,” and that’s called 貸し from the viewpoint of the
first person. The girl doesn’t get to pay off those “debts”.
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2022-05-13T05:32:35.790
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answer
As aguijonazo explained, 借り and 貸し can refer to an abstract, mental debt which
you owe to someone (借り = borrowing from your standpoint) or which someone owes
to you (貸し = lending from your standpoint). With that in mind...

> この“貸し”は借りになることはなく

Read this as "Her 'lending' (貸し) won't be my borrowing (借り), and vice versa".
In other words, they will owe each other nothing even when they say 貸し. Note
that 貸し is enclosed in quotation marks, which indicates the word should not be
taken at face value.

> 相殺もしない

"Our 貸し won't cancel one anotehr, either". This also implies saying 貸し between
them does not mean they will remember something for a long time. So to speak,
貸しにしといてくれ ("Consider you lent me one = Consider I owe you one") would
effectively mean something almost like "Kindly forget it" between them. That
was the implicit rule between them (or so he believed).

> 隼人はこれで一体ボクにいくつ貸しがあるのかな？  
>  With this, I wonder how much you owe me (if "貸し" were taken literally)?

Technically speaking, this 貸し should have been 借り because she is talking about
the mental debt the boy has from _his_ standpoint. If there were no context,
this sentence would normally mean "I wonder how much I owe you". However, in
this context, she clearly believes she has done a lot for him, including what
just happened (forgetting 猿の妖怪), so _he_ owes a lot. Here, she used 貸し
nonetheless because it was a special word that had a different meaning between
them. I suppose she may jokingly request him to "pay something back to her" on
the next page.
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2022-05-13T13:53:24.590
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answer