借款人应当按照约定向贷款人定期提供有关财务会计报表等资料。
The borrower shall as contracted regularly provide such materials as financial and accounting statements to the lender.
这里“有效回收”指在规定期限内借款人有能力偿还的贷款都能回收上来。
Over here, effective recovery indicates that the loans could be recovered from the borrowers who have capabilities to repay the loan under regulated term.
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