借贷

民法典明确规定民间借贷必须规范书立借据借条，明确约定借款金额与还款期限。

mín fǎ diǎn míng què guī dìng mín jiān jiè dài bì xū guī fàn shū lì jiè jù jiè tiáo, míng què yuē dìng jiè kuǎn jīn é yǔ hái kuǎn qī xiàn.

The Civil Code clearly stipulates that private loans must be written in a standardized manner with IOUs clearly stipulating the loan amount and repayment period.

央行宣布下调金融机构商业贷款基准利率，旨在降低实体经济的综合融资借贷成本。

yāng háng xuān bù xià tiáo jīn róng jī gòu shāng yè dài kuǎn jī zhǔn lì lǜ, zhǐ zài jiàng dī shí tǐ jīng jì de zōng hé róng zī jiè dài chéng běn.

The central bank announced a reduction in the benchmark interest rate for commercial loans of financial institutions, aiming to reduce the comprehensive financing and borrowing costs of the real economy.

如果陷入盲目借贷和非理性消费的泥潭无法自拔，不仅会拖垮个人信用还会连累家庭。

rú guǒ xiàn rù máng mù jiè dài hé fēi lǐ xìng xiāo fèi de ní tán wú fǎ zì bá, bù jǐn huì tuō kuǎ gè rén xìn yòng hái huì lián lěi jiā tíng.

If you fall into the quagmire of blind borrowing and irrational consumption and are unable to extricate yourself, it will not only drag down your personal credit but also affect your family.