1. The lender is the creditor. Lender refers to the party who, in a loan contract or loan contract, delivers money or physical objects to the borrower for possession or use, and regularly or irregularly recovers the same kind, quantity, quality or original objects as the money or physical objects according to the agreement.

2. Legal basis: Article 118th of the Civil Code of People's Republic of China (PRC).

Civil subjects enjoy creditor's rights according to law.

Creditor's right is the right of obligee to request a specific debtor to perform or not to perform an act based on contract, tort, negotiorum gestio, unjust enrichment and other provisions of the law.

Second, what are the restrictions on borrowers?

The borrower's restrictions are as follows:

1. The borrower shall not borrow from different branches of the lender in the same jurisdiction at the same time;

2. The obligation to inform. The borrower shall not provide the lender with false production and operation information such as balance sheet, income statement, etc., so as to prevent the borrower from using false production and operation information to borrow loans that are not commensurate with its repayment ability and affect the capital security of financial institutions;

3. The borrower shall not use the loan to engage in equity investment. Except for a few cases otherwise stipulated by the state, China's company law, relevant enterprise law and enterprise registration system clearly stipulate that the parties who set up a company or other enterprises, including those who are shareholders of the company, must have the statutory minimum registered capital, and these funds must be accompanied by capital verification certificates from relevant banks and certified public accountants when registering;

4. The borrower shall not use the loan for securities and futures speculation.