a person or organization that borrows something, especially money from a bank

Banks are encouraging new borrowers. 银行正在鼓励新的人来借款。

The borrower is charged interest from the time the loan is disbursed until it is paid back in full. 从贷款发放到全额还清，借款人需要支付利息。

Borrowers of library books should return them when they are due. 图书馆的图书借阅人应在书到期时归还。