【中文版】

债权人是指享有请求债务人履行债务的权利的人，也就是借款人或债权人。债权人可以是有权要求债务人偿还债务的任何人，包括自然人、法人或其他组织。

债权人的权利主要包括请求债务人履行债务、在债务人不履行债务时要求赔偿损失、在债务人无法清偿债务时，要求债务人提供担保或者通过法律途径进行追偿。债权人的义务主要包括在法律规定的时间内申报债权、遵守债务人偿还债务的计划或协议以及监督债务人按照计划偿还债务等。

在商业交易中，债权人通常是企业或银行等金融机构，他们向其他企业或个人提供贷款或融资服务。在这个过程中，债权人享有对债务人的债权，并承担相应的风险，如债务人可能无法偿还贷款或融资款项。

债权人在法律上具有重要的地位，如果债权人的权益受到侵害，可以通过法律途径维护自己的权益。同时，债权人的存在有助于促进商业交易的发展和稳定，为经济发展提供了重要的支撑。

【英文版】

The term "creditor" refers to a person who has the right to demand repayment of a debt from a debtor, also known as a borrower or lender. Creditors can be anyone, including natural persons, legal persons, or other organizations, who are entitled to demand repayment of a debt.

Creditors' rights mainly include requesting the debtor to repay the debt, demanding compensation for losses when the debtor fails to repay the debt, and requesting the debtor to provide guarantees or pursue repayment through legal means when the debtor is unable to repay the debt. Creditors' obligations mainly include reporting their claims within the time limit prescribed by law, complying with the repayment plan or agreement agreed with the debtor, and supervising the debtor to repay the debt in accordance with the plan.

In business transactions, creditors are usually enterprises or financial institutions such as banks that provide loans or financing services to other enterprises or individuals. In this process, creditors have claims against debtors and bear corresponding risks, such as the debtor's inability to repay loans or financing amounts.

Creditors play an important role in law. If creditors' rights are violated, they can seek legal means to protect their own rights. At the same time, creditors' existence helps promote the development and stability of business transactions, providing important support for economic development.