A creditor is the person, bank, shop, or company that you owe money to. If a bank lends you money, the bank is your creditor. If you take a sofa home and promise to pay next year, the shop is a creditor.

A creditor iscreditor（債權人）指的是 the person, bank, shop, or company that you owe money to你欠錢的對象——可能是人、銀行、店家、或公司 If a bank lends you money如果銀行借錢給你 the bank is your creditor銀行就是你的creditor If you take a sofa home如果你把沙發搬回家 and promise to pay next year並答應明年才付錢 the shop is a creditor那間店就是creditor

The other side of the pair is the debtor — the one who owes.

The other side of the pair is the debtor這一對詞的另一邊是debtor（債務人） the one who owes也就是欠錢的那個人

In news about money trouble, creditors wait to be paid, or they go to court. It is a business and law word, not a kitchen-table word, though the idea is simple: they gave you money or goods, and you still have to give something back.

In news about money trouble在關於財務糾紛的新聞裡 creditors wait to be paidcreditors會等著拿回錢 or they go to court或是上法院 It is a business and law word這是一個商業和法律用語 not a kitchen-table word不是日常聊天會用的字 though the idea is simple不過概念很簡單 they gave you money or goods對方給了你錢或東西 and you still have to give something back而你還得還東西回去

Though actually, a creditor is not only a big bank; a friend who lent you cash is a creditor too, even if nobody uses the word at the dinner table.

Though actually不過其實 a creditor is not only a big bankcreditor不是只有大銀行才算 a friend who lent you cash is a creditor too借你現金的朋友也是creditor even if nobody uses the word at the dinner table就算餐桌上沒人會用這個字