第一百九十六条借款合同是借款人向贷款人借款，到期返还借款并支付利息的合同。
Article 196 a "loan contract" is a contract whereby the borrower borrows a loan from the lender and repays the loan with interest when the loan becomes due.
第二百零七条借款人未按照约定的期限返还借款的，应当按照约定或者国家有关规定支付逾期利息。
Article 207 a borrower who fails to repay the loan within the contracted time limit shall pay an overdue interest pursuant to the contract or to the relevant regulations of the State.
因此，从理论上说，即使借款者是在36个月期限中的第32个月才发生违约，投资者依然将会收到全额返还的贷款发放费。
So, in theory a borrower could default in month 32 of a 36-month loan term and investors will receive the full credit for the origination fee.
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