债务，可以是借款人的责任，也可以是贷款人的责任，特别是当它成为坏债时。
Debt, it turns out, can be a liability for the borrower and the creditor, especially when it goes bad.
作为(当没人能够提供信用时愿意提供信用)的“最后贷款人”，央行收拾系统危机中的遗留账单，所以他们理应承担防止系统危机的责任。
As lenders of last resort central Banks pick up the bill in systemic crises, so they deserve a role in preventing them.
第三十五条借款人出现违反合同约定情形的，贷款人应及时采取有效措施，必要时应依法追究借款人的违约责任。
Article 35 in the case of breach of contract by the borrower, the loaner shall timely take effective measures, and hold it liable for breach of contract according to law if necessary.
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