Arrears are debts arising from the debtor's trading, guarantee and other acts. (Arrears are closely related to the reasons and effects of arrears); Borrowing refers to the debtor lending money to creditors (borrowing has nothing to do with things before or after borrowing).

There are too many reasons for the emergence and formation of arrears, which may be sales contracts, loans, gambling, usury, compensation for traffic accidents caused by infringement, arrears of wages and so on. Among them, the arrears caused by illegal acts are not protected by law;