known 修饰最近的名词,即是loan, 修饰不到borrowers。
(d) and (e) are unidiomatic; you can't write "proven records that they..." Proven records:良好记录3) Records of sth. 固定搭配,比records that简洁地道。未划线部分的known修饰loans不合理
(d) and (e) are unidiomatic; you can't write "proven records that they..." as long as you mention some specific "X" earlier in the sentence, then "such an X" is fine, yes.
定于从句在这里不简洁,known修饰time不合逻辑
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