When borrowing money, you need to check the purpose, such as consumption, so it can only be used for consumption under normal circumstances. If you lend it to others, if the latter lending institutions ask you to provide proof, but you can't produce it, then they have the right to ask you to settle it in advance. In addition, if you lend it to others, you need to bear the proceeds. If others don't pay you back on time, you need to bear the money and risk yourself.