The borrower is also the debtor. If there are two or more debtors, they are the same debtors and share the obligations according to the determined shares. Each debtor with joint and several obligations has the obligation to pay off all debts. A person who has performed his obligations has the right to require other people with joint and several obligations to pay his share. Article 84 of the "General Principles of Civil Law" stipulates that a debt is a specific relationship of rights and obligations between the parties in accordance with the provisions of the contract or in accordance with the provisions of the law. The person who enjoys the rights is the creditor, and the person who bears the obligation is the debtor. . The creditor has the right to require the debtor to perform its obligations in accordance with the provisions of the contract or in accordance with the provisions of the law. Article 85 A contract is an agreement between the parties to establish, change, and terminate a civil relationship. A contract established in accordance with the law shall be protected by law. Article 86 stipulates that if there are two or more creditors, their rights shall be shared according to the determined shares. If there are two or more debtors, the obligations shall be shared according to the determined shares. Article 87 stipulates that if there are two or more creditors or debtors, each creditor who has joint and several rights shall have the right to require the debtor to perform its obligations in accordance with the provisions of the law or the agreement of the parties; each creditor who has joint and several obligations shall have the right to require the debtor to perform its obligations. Debtors have the obligation to pay off all debts. Those who have performed their obligations have the right to require other people with joint and several obligations to pay their share.