There is the asymmetric information between the creditor and debtor in the process of borrowing or lending money, which leads to the moral hazard. Moral hazard is the cause of credit risk.
信贷过程中存在贷款人与借款人之间的信息不对称，从而导致信贷过程中出现道德风险。
The cost of borrowing, or the return on lending money. It is calculated on the amount borrowed or lent(the principal), the length of time the funds are borrowed for, …
单利的计算取决于所借款项或贷款的金额（本金），资金借用时间的长短及市场一般利率水平等因素。
And it is also interesting to see how this problem of borrowing and lending money and stuff pervades or supersedes all cultures.
同时我们也觉得很有意思，看来借钱借物所带来的麻烦是“超文化”的，在任何地方都很普遍。
And it is also interesting to see how this problem of borrowing and lending money and stuff pervades or supersedes all cultures.
同时我们也觉得很有意思，看来借钱借物所带来的麻烦是“超文化”的，在任何地方都很普遍。
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