--- title: Banks check whether a borrower is creditworthy, which means likely t… — What a bank does with your money and why banks l… · tree and pragmatics description: Banks check whether a borrower is creditworthy, which means likely to pay back, by looking at income and past borrowing; uneven income makes a bank more careful. Who acts: Banks, borrower, uneven income. A sentence of the lesson «What a bank does with your money and why banks lend» of the money cour --- [Mova](https://md.mova.elamur.ai/free/en/) · [this page in HTML](https://mova.elamur.ai/free/en/corpora/school/money/28-what-a-bank-does-with-your-money/9/) [home](https://md.mova.elamur.ai/free/en/) / [corpora](https://md.mova.elamur.ai/free/en/corpora/) / [school](https://md.mova.elamur.ai/free/en/corpora/school/) / [Money](https://md.mova.elamur.ai/free/en/corpora/school/money/) / [What a bank does with your money and w…](https://md.mova.elamur.ai/free/en/corpora/school/money/28-what-a-bank-does-with-your-money/) / 9 # What a bank does with your money and why banks lend, sentence 9 Banks check whether a borrower is creditworthy, which means likely to pay back, by looking at income and past borrowing; uneven income makes a bank more careful. **Who acts:** Banks, borrower, uneven income · **What happens:** check, be, mean, pay back, look, make · **To what, where:** bank This is a sentence of the lesson «What a bank does with your money and why banks lend» of the money course of Mova's primary school. The page gives its syntax tree — a dependency tree in the style of Universal Dependencies — and its pragmatics clause by clause: who acts (Banks, borrower, uneven income), what happens, when and where, as Mova's frames read it from the tree. ## The tree {#tree} ```conllu # sent_id = school:money:028-what-a-bank-does-with-your-money.lesson:9 # text = Banks check whether a borrower is creditworthy, which means likely to pay back, by looking at income and past borrowing; uneven income makes a bank more careful. # source = school lesson (ours) # course = money # lesson = 028-what-a-bank-does-with-your-money.lesson # annotation = Mova annot: Rust (en) → Haiku 5.5 (medium, Batches API) patches; gates UD 2.18; agreed by treeagree rules (Stanza, Trankit, spaCy trf): no change 1 Banks bank NOUN NNS Number=Plur 2 nsubj _ _ 2 check check VERB VBP Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin 0 root _ _ 3 whether whether SCONJ IN _ 7 mark _ _ 4 a a DET DT Definite=Ind|PronType=Art 5 det _ _ 5 borrower borrower NOUN NN Number=Sing 7 nsubj _ _ 6 is be AUX VBZ Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin 7 cop _ _ 7 creditworthy creditworthy ADJ JJ Degree=Pos 2 ccomp _ _ 8 , , PUNCT , _ 10 punct _ _ 9 which which PRON WDT PronType=Rel 10 nsubj _ _ 10 means mean VERB VBZ Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin 7 acl:relcl _ _ 11 likely likely ADJ JJ Degree=Pos 10 xcomp _ _ 12 to to PART TO _ 13 mark _ _ 13 pay pay VERB VB VerbForm=Inf 11 xcomp _ _ 14 back back ADV RB _ 13 advmod _ _ 15 , , PUNCT , _ 17 punct _ _ 16 by by SCONJ IN _ 17 mark _ _ 17 looking look VERB VBG VerbForm=Ger 13 advcl _ _ 18 at at ADP IN _ 19 case _ _ 19 income income NOUN NN Number=Sing 17 obl _ _ 20 and and CCONJ CC _ 22 cc _ _ 21 past past ADJ JJ Degree=Pos 22 amod _ _ 22 borrowing borrowing NOUN NN Number=Sing 19 conj _ _ 23 ; ; PUNCT : _ 26 punct _ _ 24 uneven uneven ADJ JJ Degree=Pos 25 amod _ _ 25 income income NOUN NN Number=Sing 26 nsubj _ _ 26 makes make VERB VBZ Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin 2 parataxis _ _ 27 a a DET DT Definite=Ind|PronType=Art 28 det _ _ 28 bank bank NOUN NN Number=Sing 26 obj _ _ 29 more more ADV RBR Degree=Cmp 30 advmod _ _ 30 careful careful ADJ JJ Degree=Pos 26 xcomp _ _ 31 . . PUNCT . _ 2 punct _ _ ``` ## Pragmatics {#pragmatics} - form: statement - act: assert - voice: narrator - polarity: none - teacher: kept the draft | # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 1 | **check** | present | Banks | | | | | | vn assessment-34.1 «NP V NP»: agent=Agent | | 2 | **is** | present | a borrower | | | | | creditworthy *property* | tree rules | | 3 | **mean** | present | | | | | | likely *property* | vn intend-61.2-1 «NP V S»: agent=Agent | | 4 | **pay back** | to-infinitive | | | | | | | vn pay-68-1 «NP V NP»: agent=Agent | | 5 | **look** | gerund | | | | | | at income and past borrowing | vn peer-30.3 «NP V PP.theme»: agent=Agent at income=Theme | | 6 | **make** | present | uneven income | a bank | | | | careful *property* | vn build-26.1-1 «NP.asset V NP»: agent=Asset bank=Product | One row per clause the reader finds. «not said here»: a role filled from the clause above. «roles by»: a VerbNet class and frame when one fits the verb, else the reader's rules on the tree. **Licence: [CC BY-SA 4.0](https://creativecommons.org/licenses/by-sa/4.0/)**, as the whole of Mova corpus 0.4, of which this treebank (the agreed school, `mova-school-agreed-en.conllu`) is part. The lessons were written for Mova's primary school. Sentence `school:money:028-what-a-bank-does-with-your-money.lesson:9`. **The tree:** Mova annot: Rust (en) → Haiku 5.5 (medium, Batches API) patches; gates UD 2.18; agreed by treeagree rules (Stanza, Trankit, spaCy trf): no change. **The frames** are read from the tree by Mova's frames reader (`prag`) when this page is built, the lesson read in order, so a pronoun may be resolved from an earlier sentence. See the [release 0.4](https://md.mova.elamur.ai/free/en/releases/0.4/). - ← previous: [What a bank does with your money and w…, 8](https://md.mova.elamur.ai/free/en/corpora/school/money/28-what-a-bank-does-with-your-money/8/) - next →: [What a bank does with your money and w…, 10](https://md.mova.elamur.ai/free/en/corpora/school/money/28-what-a-bank-does-with-your-money/10/) - ↑ back to [the lesson](https://md.mova.elamur.ai/free/en/corpora/school/money/28-what-a-bank-does-with-your-money/)