Legal analysis: A borrower refers to an enterprise, institution or individual that borrows money from a lender with its own credit or property as a guarantee or a third party as a guarantee in credit activities. Repayment means that the debtor is the party in the debt relationship who has the obligation to undertake certain actions or omissions to the other party (creditor) according to the agreed terms. Refers to the person who has the obligation to repay the creditor according to the law or the contract and contract in the loan relationship.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 118 A civil subject enjoys creditor's rights according to law. Creditor's right is the right of the obligee to request a specific obligor to perform or not to perform an act due to the legal provisions such as contract, tort, negotiorum gestio, unjust enrichment, etc.

Article 517 Where there are two or more creditors, and the subject matter can be divided, if each creditor enjoys the creditor's rights according to the share, it is the creditor's rights according to the share; If there are two or more debtors, the subject matter can be divided, and each debtor bears the debt according to its share, it is a debt by share. If it is difficult to determine the share of the creditor or debtor according to the share, it shall be deemed that the share is the same.