second party is called a debtor , also known as a borrower .   Movements of financial capital are normally dependent on either credit or equity transfers.   Credit is in turn dependent on the reputation or creditworthiness of the entity which takes responsibility for the funds. (Source: http://www.ask.com/bar?q=define+credit+market&page=1&qsrc=0&ab=0&u=http%3A%2F%2Fen.wikipedia.org%2Fwiki%2FCredit_%28finance%29)   There