A lot of lenders say we have not seen information from that borrower in years, we do not even know if they have a job or not.

很多银行和贷款机构说，他们很多年得不到贷款人的消息。我们甚至不知道他们是否有工作。

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Subject to any the laws and regulations, any information and certifications in respect of the Mortgaged properties shall be handed over by the Borrower to the Lender after sealed.

抵押物的相关有效证明和资料由当事人确认封存后，由借款方交与贷款方保管，但法律法规另有规定的除外。

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What is the character of the borrower and the quality of information provided?

借款人借款人的品质和提供的信息质量如何？

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With open access to borrower information, held centrally and virtually, there is no reason why end-savers and end-investors cannot connect directly.

BBC: What threat to banks from internet lenders?

Person-to-person financing is provided remotely using borrower information stored on Kiva's website.

BBC: What threat to banks from internet lenders?

The investors are likely to pull the raw information about a borrower, roll up their sleeves, and analyze the credit quality themselves, either as a primary decision-making tool, or as a double-check on the rating.

FORBES: Credit Ratings and the Fiscal Cliff