The
borrower promised to return the book by next week.
借款人承诺下周归还这本书。
She took out a loan from the bank as a
borrower.
她以借款人的身份从银行贷款。
The
borrower defaulted on their mortgage payments, leading to foreclosure.
借款人未能按时偿还房贷，导致了抵押品赎回权丧失。
He was a responsible
borrower, always paying his credit card bills on time.
他是个负责任的借款人，总是按时偿还信用卡账单。
The
borrower approached the lending institution with a solid business plan.
借款人带着一份详细的商业计划书向贷款机构申请。
The
borrower negotiated a lower interest rate with the lender.
借款人与贷款方协商降低了利率。
She signed a borrowing agreement before taking out the loan.
在贷款之前，她签署了借款协议。
The
borrower's credit score affected their ability to secure a loan.
借款人的信用评分影响了他们获得贷款的能力。
He was grateful for the lender's generosity in extending the loan period.
他对贷款人延长还款期限的慷慨表示感激。
The
borrower repaid the loan early to avoid any additional charges.
借款人提前偿还了贷款，以避免额外费用。
As of the end of September, the balance of loans to micro and small enterprises that have a total credit line of up to 10 million yuan per borrower reached 23.16 trillion yuan in China, up 24.6 percent year-on-year.
截至9月底，中国对每个借款人总信贷额度1000万元以下的微型和小型企业的贷款余额达到23.16万亿元，同比增长24.6%。
Its existing direct investments exceeded 2.8 trillion yuan, and its balance of loans to micro and small enterprises whose total credit lines are up to 10 million yuan per borrower was 128.5 billion yuan by the end of 2020.
截至2020年底，其直接投资超过2.8万亿元，小微企业贷款余额（单户授信总额1000万元及以下）1.285万亿元。
Corporate bonds trading below par, or 100 cents on the dollar, may signal doubts about the borrower's ability to repay the debt.
公司债券交易价格低于面值，即低于100美分对1美元，可能预示着市场对借款企业偿还债务能力的担忧。
When coupled with its partnership with 360 Group, the Company's technology translates to a meaningful borrower acquisition, borrower retention and funding advantage, supporting the rapid growth and scaling of its business.
"Amid the worsening downward spiral of major activity data, we expect the government to introduce a raft of supportive measures after the moderate 10-basis-point rate cut last month and believe it will increasingly play the role of borrower and spender," he said.
It also promoted banks to offer collateral-free and interest-free loans worth up to 50,000 yuan per borrower over a maximum period of three years to the low-income rural residents who meet regulatory requirements.
The repayment of guaranteed startup loans could be extended for one year if the borrower is facing difficulties due to the impact of COVID-19.
An unsecured loan does not require any collateral but is extended by lenders based on a borrower's creditworthiness.
The average rate of new loans to small businesses that have a total credit line of up to 10 million yuan for each borrower was 4.92 percent in September, falling by 0.96 percentage point from December.
However, at the collective corporate level, Japan's private sector went from being a net borrower to a net saver.
As a result, there was no longer a net borrower in the market economy, greatly weakening Japan's aggregate demand.
Under the new rules, if a borrower, including co-applicants, does not have housing in Beijing and has no record of housing provident fund loans nationwide, provident fund loans can be used for the first house.
Previously, even if a borrower has no house in Beijing, if he or she has had a mortgage loan anywhere in the country — even a commercial loan from a bank or a housing provident fund loan — he or she was not eligible for the first-house policy of the housing provident fund.
Under current policy, the definition of a second house in Beijing will be that the borrower either has a house in Beijing already or has no housing but has a housing provident fund loan record nationwide — or both.
As of the end of November, the outstanding balance of loans to small businesses that have a total credit line of up to 10 million yuan per borrower was 18.7 trillion yuan, up 24.1 percent year-on-year, Zhang said.
As of the end of September, the balance of loans to micro and small enterprises that have a total credit line of up to 10 million yuan per borrower reached 23.16 trillion yuan in China, up 24.6 percent year-on-year, according to the PBOC.
ICBC Ningde branch has established scientific models to decide which borrowers have access to fishery raft aquaculture loans, using a scoring system based on information such as the borrower's debt-to-income ratio, the number of banks that provide financing to the borrower, its method of obtaining the sea area usage rights and the number of years it has been engaged in aquaculture.
Aquaculture farmers can obtain a maximum credit of 2 million yuan per individual, while aquaculture enterprises can receive up to 10 million yuan per borrower, Li said.
The outstanding balance of inclusive loans - loans to micro and small businesses with a total credit line of up to 10 million yuan per borrower - reached 23.6 trillion yuan, increasing 23.6 percent year-on-year.
As of the end of the third quarter, the balance of loans to micro and small enterprises that have a total credit line of up to 10 million yuan ($1.42 million) per borrower reached 23.16 trillion yuan in China, up 24.6 percent year-on-year, according to the People's Bank of China, the central bank.
Ever since the COVID-19 pandemic first hit in Wuhan, Hubei province, ICBC has deferred repayments on principal and interest, which involves a loan principal of more than 400 billion yuan ($59.77 billion) for 265,000 MSEs whose total credit lines are up to 10 million yuan per borrower.
In addition, five major banks, including China Construction Bank and Agricultural Bank of China, revealed that a borrower can inquire with local housing mortgage managers for specific situations in the case of postponing housing mortgage repayment.
Service staff at China Construction Bank said a borrower can apply for an extension of mortgage repayment due to the COVID-19 pandemic in a closed-loop management area, adding the longest extension in Jilin province is 28 days.
By the end of 2021, the balance of loans to small businesses that have a total credit line of up to 10 million yuan per borrower was 19.1 trillion yuan, up 24.9 percent year-on-year, according to the China Banking and Insurance Regulatory Commission.
During the same period, the outstanding balance of its loans to small businesses which have a total credit line of up to 10 million yuan per borrower surged 27 percent to 237 billion yuan.
At the same time, the country saw its loans to the manufacturing sector increase by 12.6 percent year-on-year; its loans to small and micro enterprises, whose total credit lines are up to 10 million yuan ($1.56 million) per borrower, surged by 25.2 percent, Wang said.
Growth of their inclusive loans to small and micro enterprises, which are lending to small businesses whose total credit lines are up to 10 million yuan ($1.55 million) per borrower, remained rapid over the period.
In the first half, loans to micro and small businesses with total creditxa0lines of up to 10 million yuan per borrower increased by 16.4 percent from the beginning of this year, while loans to private enterprises increased by 8.6 percent.
During the first six months, the growth of loans to the small businesses, whose total credit lines are up to 10 million yuan per borrower, stayed above 30 percent year-on-year.
Banks will be compelled to adapt to rapid shifts in the technological and regulatory environment and in borrower behavior," he said.
The country's top banking and insurance regulator, together with the Ministry of Housing and Urban-Rural Development and the People's Bank of China, took measures to prevent business loans from flowing into the real estate sector by requiring banks to strengthen borrower qualification verification, credit demand verification and the administration of intermediaries.
Its NPL ratio of inclusive loans to micro and small businesses, which means loans to small businesses whose total credit lines are up to 10 million yuan per borrower, was 4.88 percent, he said.
As of the end of 2020, the bank's outstanding balance of loans to micro and small enterprises with a total credit line of up to 10 million yuan per borrower increased by 33 percent from the beginning of the year.
The bank granted a total of 286.63 billion yuan in loans to micro and small enterprises whose total credit lines are up to 10 million yuan per borrower in 2020, up 20 percent year-on-year.
Loans to micro and small enterprises whose total credit lines are up to 10 million yuan per borrower, rose 30.9 percent during the same period.
Its loans to micro and small enterprises whose total credit lines are up to 10 million yuan per borrower rose 30.9 percent from 2019.
The average amount of loan per borrower was 305,000 yuan ($47,225), according to the CBIRC.
The areas of focus include green lending, loans to strategic emerging industries and loans to micro and small enterprises with total credit lines of up to 10 million yuan ($1.55 million) per borrower.
At the end of the second quarter, the balance of loans to farming-related businesses with total credit lines of up to 10 million yuan ($1.52 million) per borrower reached 7.2 trillion yuan, rising by 12.3 percent from the beginning of this year, Pan said.
In March, it became China's first commercial bank whose balance of loans to small businesses with total credit lines of up to 10 million yuan per borrower exceeded 1 trillion yuan, said Jin Panshi, chief information officer of CCB.
At the end of the first half of this year, its outstanding balance of inclusive loans to micro and small businesses with a total credit line of up to 10 million yuan ($1.46 million) per borrower reached 1.26 trillion yuan, up 51.5 percent year-on-year.
By the end of June, China's outstanding balance of nonperforming loans to small businesses with a total credit line of up to 10 million yuan ($1.45 million) per borrower, namely, the balance of nonperforming "inclusive loans"－or loans to such small businesses－reached 0.4 trillion yuan, up 9.25 percent from the beginning of this year.
The outstanding balance of loans to micro and small enterprises with a total credit line of up to 10 million yuan per borrower exceeded 13 trillion yuan by May 31, up 27.56 percent year-on-year.
During the first half of this year, ICBC cut its interest rate on new loans for micro and small enterprises with a total credit line of up to 10 million yuan per borrower to 4.15 percent, down 37 basis points from last year.
The interest rate of new loans issued by the bank in the first half to micro and small enterprises with a total credit line of up to 10 million yuan per borrower fell 37 basis points from last year to 4.15 percent.
Its balance of loans to micro and small enterprises with a total credit line of up to 10 million yuan per borrower was 178.8 billion yuan, up 15.08 percent from the beginning of this year.
Unlike large State-owned commercial lenders that focus their small loan business on micro and small enterprises with a total credit line of up to 10 million yuan ($1.4 million) per borrower, Tailong Commercial Bank targets smaller enterprises with a total credit line below 5 million yuan per borrower.
The average outstanding balance of these loans was 1.12 million yuan per borrower.
The average outstanding balance of their loans was 641,800 yuan per borrower.
The regulator said it will lead banking institutions to further defer repayments of loan principal and interest according to the trends of the pandemic and the state of operation of MSMEs, with a focus on helping small businesses with a total credit line of up to 10 million yuan per borrower.
By the end of April, outstanding loans to small businesses with a total credit line of up to 10 million yuan ($1.4 million) for each borrower amounted to 12.79 trillion yuan, rising by 27.34 percent since the end of April last year.
By the end of July, outstanding loans to small businesses with a total credit line of up to 10 million yuan for each borrower amounted to 12.79 trillion yuan, rising 27.34 percent year-on-year.
The regulator put a maximum credit limit on consumer loans without collateral of 200,000 yuan ($28,273) per borrower, and the term of a loan would be no more than one year.
By the end of the first quarter, the balance of loans to micro and small enterprises, with a total credit line of up to 10 million yuan for each borrower, increased 25.93 percent on a yearly basis.
At the end of the first quarter, the balance of loans to micro and small-sized enterprises, with a total credit line of up to 10 million yuan for each borrower, increased by 25.93 percent year-on-year.
Credit risk refers to the possibility of a loss resulting from the borrower's failure to repay a loan or meet contractual obligations.
Compensation for financial institutions would apply for each borrower's dues up to 10 million yuan.
The banking and insurance regulator required large State-owned commercial lenders to try their best to increase their loans to small businesses with a total credit line of up to 10 million yuan ($1.43 million) for each borrower by no less than 30 percent year-on-year in the first half of 2020.
It urged commercial banks to further cut financing costs for small businesses — to which banks grant a total credit line of up to 10 million yuan ($1.45 million) for each borrower — by 0.5 percentage points, in addition to asking China's five largest commercial banks to increase their offerings of these types of loans by more than 20 percent this year over 2019.
"Some international organizations, including the International Monetary Fund, have warned about the risks due to a currency mismatch, which exists when a borrower funds its operations in one currency while the earnings derived from these operations accrue in another currency.
Companies' payment of water and electricity fees, for example, as well as the record of their exports and imports, should be evaluated before loans are issued based on the credibility of the borrower.
As of the end of September, the balance of its loans to small businesses with a total credit line of up to 10 million yuan for each borrower was 902.58 billion yuan, increasing by 292.51 billion yuan from the beginning of this year.
Of the total, the balance of loans issued to small businesses with a total credit line of up to 10 million yuan for each borrower was 10.7 trillion yuan, up 26.6 percent year-on-year, according to the China Banking and Insurance Regulatory Commission.
Among the total, the balance of loans issued to small businesses with a total credit line of up to 10 million yuan for each borrower was 10.7 trillion yuan, up 26.6 percent year-on-year according to the regulator.
The regulator reportedly stressed that banks should ensure that they acquire first-hand, original transaction data from the borrower and its partner that helps enhance its credit.
Banks in the first five months of 2019 issued loans to small and micro-sized enterprises with a total credit line up to 10 million yuan ($1.45 million) for each borrower at an average lending rate of 6.89 percent, falling 0.92 percentage point from the average rate of the first quarter last year.
Of the total, the balance of loans for small and micro-sized enterprises with a total credit line of up to 10 million yuan for each borrower increased by 33.46 percent from the beginning of last year to 10.25 trillion yuan.
To encourage banks offering loans to small businesses, the China Banking and Insurance Regulatory Commission said it has lowered the nonperforming loan ratio requirement for small and micro-sized enterprises with a total credit line of up to 10 million yuan ($1.49 million) for each borrower, allowing the NPL ratio for this type of loan to be 3 percentage points higher than that of various types of loans.
Among the total, the balance of small and micro-sized enterprise loans with a total credit line of no more than 10 million yuan for each borrower increased by 21.79 percent from the beginning of last year to 9.36 trillion yuan.
In the fourth quarter of last year, the average interest rate of new bank loans to small and micro-sized enterprises with a total credit line of no more than 10 million yuan for each borrower was 7.02 percent, down by 0.8 percentage point from the first quarter, according to the commission.
Among the total, small and microsized enterprise loans with a total credit line of up to 10 million yuan for each borrower increased by 21.8 percent from the beginning of last year to 9.4 trillion yuan.
As of the end of 2018, the balance of small and micro-sized enterprise loans with a total credit line of no more than 10 million yuan ($1.49 million) for each borrower increased by 21.8 percent from the beginning of last year to 9.4 trillion yuan, according to the China Banking and Insurance Regulatory Commission.
The survey showed that the biggest borrower in 2018 was urban infrastructure projects, followed by the medical sector.
Among the total, small and micro-sized enterprise loans with a total credit line of no more than 10 million yuan for each borrower increased by 21.8 percent from the beginning of last year to 9.4 trillion yuan.
While MYbank primarily targets small and micro corporate clients, WeBank, China's first digital bank without any physical branch, is more committed to serving individual clients by using big data analytics to offer personal banking products such as character loans, which refer to a type of unsecured loan made by faith in the borrower's reputation and credit.
Besides business conditions and income, the rating system also includes the borrower's relations with neighbors and word of mouth about the borrower's character.
And neither the borrower nor the lender would be willing to sacrifice their interest a bit for the larger systemic good.
"To bring equal opportunities to those lacking access to conventional financial services, iQianjin set up offline service sites and works with third-party providers to collect consumers' data, making sure that a borrower's information is accurate and reliable.
Those internet companies, together with the traditional commercial banks, are the clients who will pay for the services to check personal credit ratings before issuing loans, to ensure that the borrower would be able to repay the amount.
India is main borrowerWhile Jin did not in his speech address the AIIB's specific projects and borrowers, an analysis of the bank data shows that India has so far become AIIB's main borrower.
"The market will also likely see tighter borrower selection, longer testing periods of new products, and stricter funding and leverage requirements for lenders.
Most of the lending is defined as "consumer lending" or payday loans, which means when cash is given to the borrower, it is spent on buying things such as mobile phones, laptops, vacations, or plastic surgery.
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