diff --git a/.trellis/spec/backend/database-guidelines.md b/.trellis/spec/backend/database-guidelines.md
index ad28282..c2e1885 100644
--- a/.trellis/spec/backend/database-guidelines.md
+++ b/.trellis/spec/backend/database-guidelines.md
@@ -302,6 +302,131 @@ readers/form.jsp -> JDBC -> DELETE FROM readers using request parameters
 readers/form.jsp -> ReaderManagementServlet -> ReaderService -> ReaderDao -> readers.status = inactive
 ```
 
+## Scenario: Borrowing Circulation Management Slice
+
+### 1. Scope / Trigger
+
+- Trigger: borrowing circulation now spans `borrow_records`, book inventory,
+  reader eligibility, Servlet routes, service transactions, DAO locks, and JSP
+  management/history screens.
+- Schema path: `src/main/resources/db/schema.sql`.
+- JSP paths: `WEB-INF/jsp/borrowing/manage.jsp`,
+  `borrowing/form.jsp`, and `reader/loans.jsp`.
+
+### 2. Signatures
+
+- Entity signatures: `BorrowRecord` fields are `id`, `readerId`,
+  `readerIdentifier`, `readerName`, `bookId`, `bookIdentifier`, `bookTitle`,
+  `borrowedAt`, `dueAt`, nullable `returnedAt`, `renewalCount`, `status`,
+  `createdAt`, and `updatedAt`.
+- Status signature: `BorrowRecordStatus` enum codes are `active` and
+  `returned`; overdue is derived from active, non-returned rows where
+  `due_at < CURRENT_TIMESTAMP`.
+- Search signature: `BorrowRecordSearchCriteria(readerIdentifier,
+  bookIdentifier, statusCode)` where `statusCode` may be empty, `active`,
+  `returned`, or the derived filter `overdue`.
+- DAO signatures: `BorrowRecordDao.search(criteria)`,
+  `findByReaderId(readerId)`, `findReaderByUserId(userId)`,
+  `findReaderByIdentifierForUpdate(connection, identifier)`,
+  `findBookByIdentifierForUpdate(connection, identifier)`,
+  `findByIdForUpdate(connection, id)`, `countActiveByReaderId(connection,
+  readerId)`, `create(connection, record)`, `decrementAvailableCopies(...)`,
+  `incrementAvailableCopies(...)`, `markReturned(...)`, and `renew(...)`.
+- Service signatures: `BorrowingService.searchRecords(actor, criteria)`,
+  `borrowBook(actor, readerIdentifier, bookIdentifier)`,
+  `returnBook(actor, recordId)`, `renewLoan(actor, recordId)`, and
+  `listCurrentReaderHistory(actor)`, all returning `ServiceResult<T>`.
+- Management routes: `GET /borrowing`, `GET /borrowing/new`,
+  `POST /borrowing/create`, `POST /borrowing/return`, and
+  `POST /borrowing/renew`.
+- Reader route: `GET /reader/loans`.
+- Protected permissions: `/borrowing*` requires `MANAGE_BORROWING`;
+  `/reader/loans` requires `BORROW_BOOKS` and the `reader` role because it
+  displays only the signed-in reader's own history.
+- DB signature: `borrow_records(id, reader_id, book_id, borrowed_at, due_at,
+  returned_at, renewal_count, status, created_at, updated_at)`, with foreign
+  keys to `readers(id)` and `books(id)`, indexes on reader, book, status, and
+  due date, and checks for non-negative renewal count and supported statuses.
+
+### 3. Contracts
+
+- Borrow operations require an active reader and a borrowable book with
+  `BookStatus.AVAILABLE` and `available_copies > 0`.
+- Reader active-loan count is rows with `status = active` and `returned_at IS
+  NULL`; overdue rows still count toward `max_borrow_count`.
+- Borrowing creates one `borrow_records` row and decrements
+  `books.available_copies` in the same transaction.
+- Returning an active loan sets `status = returned`, stores `returned_at`, and
+  increments `books.available_copies` with a cap at `total_copies` in the same
+  transaction.
+- Renewing an active loan extends `due_at`, increments `renewal_count`, and is
+  limited to one renewal per MVP loan.
+- `JdbcUtil.executeInTransaction` is the local transaction helper for
+  multi-table borrowing workflows. Services decide the workflow boundary; DAOs
+  own SQL and row-lock statements.
+- Demo `readers` and `books` seed rows must not overwrite existing rows during
+  schema replay, because resetting reader eligibility or `available_copies` can
+  corrupt live borrowing state.
+- Servlet controllers set JSP attributes such as `criteria`, `statuses`,
+  `overdueStatus`, `maxRenewals`, `borrowRecords`, `formValues`, `errors`,
+  `errorMessage`, and `successMessage`.
+- JSP pages render JavaBean properties only; they must not call DAOs or embed
+  SQL.
+
+### 4. Validation & Error Matrix
+
+- Missing reader ID or book ID -> return to `borrowing/form.jsp` with field
+  errors.
+- Unknown reader -> field error on `readerIdentifier`.
+- Inactive or suspended reader -> field error on `readerIdentifier`.
+- Reader at or above `max_borrow_count` active loans -> field error on
+  `readerIdentifier`.
+- Unknown book -> field error on `bookIdentifier`.
+- Unavailable, archived, or zero-copy book -> field error on `bookIdentifier`.
+- Missing or non-positive record ID for return/renew -> flash error.
+- Returning or renewing a returned loan -> validation failure on `status`.
+- Renewing after the renewal limit -> validation failure on `renewalCount`.
+- DAO/transaction failure -> log server-side details and return
+  `Borrowing service is temporarily unavailable. Please try again later.`
+
+### 5. Good/Base/Bad Cases
+
+- Good: a librarian creates a loan for active reader `RD-1000` and available
+  book `BK-1000`; the loan appears in `/borrowing` and book availability is
+  decremented.
+- Base: `/borrowing?status=overdue` lists active, non-returned loans past due
+  without requiring a scheduler or stored overdue status.
+- Bad: a Servlet updates `books.available_copies` outside the borrowing
+  transaction or a JSP issues SQL to filter loan records.
+
+### 6. Tests Required
+
+- Run `BorrowingServiceCheck` assertions for permission denial, inactive
+  readers, unavailable/no-copy books, max active loan count, successful borrow,
+  return inventory restoration, one-renewal limit, overdue search, reader loan
+  history, and DAO failure fallback.
+- Run `PermissionPolicyCheck` to confirm readers have `BORROW_BOOKS`, readers
+  lack `MANAGE_BORROWING`, and librarians lack reader self-borrow permission.
+  Service or filter checks should also confirm staff use `/borrowing`, not the
+  reader-only `/reader/loans` history route.
+- Scan JSPs for scriptlets and SQL/JDBC references.
+- When Maven/Tomcat dependencies are installed, run `mvn clean package` to
+  compile Servlets and package JSP resources.
+
+### 7. Wrong vs Correct
+
+#### Wrong
+
+```text
+borrowing/manage.jsp -> JDBC -> UPDATE books SET available_copies = ...
+```
+
+#### Correct
+
+```text
+borrowing/form.jsp -> BorrowingManagementServlet -> BorrowingService -> BorrowRecordDao -> borrow_records + books in one transaction
+```
+
 ## Scenario: Login And Permission Scaffold Schema
 
 ### 1. Scope / Trigger
diff --git a/.trellis/tasks/04-27-continue-development/check.jsonl b/.trellis/tasks/04-27-continue-development/check.jsonl
new file mode 100644
index 0000000..72d4b2a
--- /dev/null
+++ b/.trellis/tasks/04-27-continue-development/check.jsonl
@@ -0,0 +1,12 @@
+{"file": ".trellis/spec/backend/index.md", "reason": "Backend architecture overview for final spec compliance review."}
+{"file": ".trellis/spec/backend/database-guidelines.md", "reason": "Verify schema, DAO, transaction, and integrity handling for circulation operations."}
+{"file": ".trellis/spec/backend/error-handling.md", "reason": "Verify user-facing validation failures and exception boundaries."}
+{"file": ".trellis/spec/backend/logging-guidelines.md", "reason": "Verify logging expectations for key borrowing operations and exceptions."}
+{"file": ".trellis/spec/backend/quality-guidelines.md", "reason": "Verify backend layer boundaries and code quality."}
+{"file": ".trellis/spec/frontend/index.md", "reason": "Frontend JSP/CSS conventions for final review."}
+{"file": ".trellis/spec/frontend/component-guidelines.md", "reason": "Verify forms, tables, reusable fragments, and UI consistency."}
+{"file": ".trellis/spec/frontend/state-management.md", "reason": "Verify request/session/form state and validation message handling."}
+{"file": ".trellis/spec/frontend/type-safety.md", "reason": "Verify JavaBean display contracts and JSP-safe data access."}
+{"file": ".trellis/spec/frontend/quality-guidelines.md", "reason": "Verify UI quality and responsive JSP/CSS behavior."}
+{"file": ".trellis/spec/guides/cross-layer-thinking-guide.md", "reason": "Verify cross-layer data flow from schema through JSP."}
+{"file": ".trellis/spec/guides/code-reuse-thinking-guide.md", "reason": "Verify reuse of existing patterns and avoid duplicate helper logic."}
diff --git a/.trellis/tasks/04-27-continue-development/implement.jsonl b/.trellis/tasks/04-27-continue-development/implement.jsonl
new file mode 100644
index 0000000..7c9e002
--- /dev/null
+++ b/.trellis/tasks/04-27-continue-development/implement.jsonl
@@ -0,0 +1,15 @@
+{"file": ".trellis/spec/backend/index.md", "reason": "Backend architecture overview and pre-development checklist for Servlet -> Service -> DAO -> MySQL work."}
+{"file": ".trellis/spec/backend/directory-structure.md", "reason": "Required backend package and class placement conventions for new entity, DAO, service, and servlet files."}
+{"file": ".trellis/spec/backend/database-guidelines.md", "reason": "Required MySQL schema, DAO CRUD, transaction, and data-integrity conventions for borrowing records."}
+{"file": ".trellis/spec/backend/error-handling.md", "reason": "Required Servlet validation and ServiceResult-style failure handling for borrow/return/renew workflows."}
+{"file": ".trellis/spec/backend/logging-guidelines.md", "reason": "Guidance for operation logging and exception tracing for circulation actions."}
+{"file": ".trellis/spec/backend/quality-guidelines.md", "reason": "Layer boundary and review constraints for backend implementation."}
+{"file": ".trellis/spec/frontend/index.md", "reason": "Frontend JSP/CSS conventions and pre-development checklist for new circulation screens."}
+{"file": ".trellis/spec/frontend/directory-structure.md", "reason": "Required JSP and static asset placement conventions."}
+{"file": ".trellis/spec/frontend/component-guidelines.md", "reason": "Existing JSP fragments, forms, tables, and reusable UI conventions."}
+{"file": ".trellis/spec/frontend/state-management.md", "reason": "Server-rendered request/session/form state conventions for validation messages and filters."}
+{"file": ".trellis/spec/frontend/type-safety.md", "reason": "JSP/Servlet validation and JavaBean display contracts."}
+{"file": ".trellis/spec/frontend/quality-guidelines.md", "reason": "UI quality checks for JSP/CSS changes."}
+{"file": ".trellis/spec/guides/cross-layer-thinking-guide.md", "reason": "Borrowing spans schema, DAO, service, servlet, JSP, and permissions."}
+{"file": ".trellis/spec/guides/code-reuse-thinking-guide.md", "reason": "Feature should reuse existing patterns for search criteria, ServiceResult, DAOs, forms, and JSP tables."}
+{"file": ".trellis/tasks/archive/2026-04/00-bootstrap-guidelines/research/project-requirements.md", "reason": "Original project requirements include borrowing/return management in the overall library system scope."}
diff --git a/.trellis/tasks/04-27-continue-development/prd.md b/.trellis/tasks/04-27-continue-development/prd.md
new file mode 100644
index 0000000..6877cca
--- /dev/null
+++ b/.trellis/tasks/04-27-continue-development/prd.md
@@ -0,0 +1,108 @@
+# Borrowing circulation management
+
+## Goal
+
+Implement the next core library-management slice: borrowing circulation for borrow, return, renew, overdue visibility, and reader loan history.
+
+## What I already know
+
+* The project is a Java 11 Maven WAR application using JSP + Servlet on Tomcat and MySQL through JDBC DAO classes.
+* Existing implemented slices cover login, role/permission checks, dashboard navigation, book catalog/search, book management, and reader profile/eligibility management.
+* Current routes include `/login`, `/logout`, `/dashboard`, role homes, `/catalog`, `/books`, and `/readers`.
+* The schema already defines roles, permissions, role permissions, users, system logs, readers, book categories, and books.
+* Permissions already include `manage_borrowing` and `borrow_books`.
+* Dashboard copy mentions borrowing, return, renewal, and overdue workflows, but there are no borrowing tables, Servlet routes, JSP pages, DAO classes, services, or tests for that workflow yet.
+* The user selected borrowing circulation as the next feature slice.
+* `AuthorizationFilter` currently protects `/librarian/**` with `MANAGE_BORROWING` and `/reader/**` with `VIEW_CATALOG`.
+* `PermissionPolicy` grants `MANAGE_BORROWING` to administrators and librarians, and `BORROW_BOOKS` to readers.
+
+## Scope
+
+* Administrators and librarians can manage circulation records from a borrowing management screen.
+* Readers can view their own borrowing records from the reader area when their account is linked to a reader profile.
+* Borrowing workflow covers borrow, return, renew, active loans, returned loans, and overdue loans.
+* Overdue handling should be visible in lists and service results; no background scheduler is required for this task.
+* The implementation should preserve the existing Servlet -> Service -> DAO boundary and JSP view style.
+
+## Requirements
+
+### Persistence
+
+* Add a borrowing/loan table to `src/main/resources/db/schema.sql`.
+* Store the borrowing record id, reader id, book id, borrow date/time, due date/time, optional return date/time, renewal count, status, and timestamps.
+* Relate borrowing rows to `readers` and `books` with foreign keys.
+* Add useful indexes for reader, book, status, and due date lookups.
+* Keep seed data safe and optional; do not require destructive schema resets.
+
+### Business Rules
+
+* Borrowing a book requires an active reader.
+* Borrowing a book requires the book status to allow borrowing and `available_copies > 0`.
+* Borrowing must reject readers at or above `max_borrow_count` for active, non-returned loans.
+* Successful borrowing creates a borrowing record and decrements `books.available_copies`.
+* Returning an active loan marks it returned, records the return time, and increments `books.available_copies` without exceeding `total_copies`.
+* Renewing an active loan extends the due date and increments the renewal count.
+* Renewal should be limited to a small, explicit maximum, preferably one renewal per loan for this MVP.
+* Overdue records are records not returned by their due date. They should be searchable or filterable.
+* Service methods should return `ServiceResult` style validation errors instead of throwing user-facing exceptions for normal validation failures.
+
+### Backend
+
+* Add entity, DAO, JDBC DAO, service, and service implementation classes for borrowing circulation.
+* Add Servlet routes for borrowing management under an administrator/librarian-accessible path such as `/borrowing`, `/borrowing/new`, `/borrowing/create`, `/borrowing/return`, and `/borrowing/renew`.
+* Add a reader-facing route for own borrowing records under the existing reader area or another path protected appropriately.
+* Update `web.xml` and authorization rules as needed.
+* Keep transaction-sensitive borrow/return/renew operations consistent. If the existing JDBC helper does not provide transactions, implement the smallest safe local transaction pattern needed for multi-table updates.
+
+### Frontend
+
+* Add JSP pages for borrowing list/history and the borrow form.
+* Add navigation entries from dashboard, role home, and header where appropriate.
+* Keep the UI consistent with existing card, table, form, alert, and button patterns.
+* Show clear success and validation messages for borrow, return, and renew actions.
+* Lists should show reader identifier/name, book identifier/title, borrow date, due date, return date when present, renewal count, and status.
+
+### Tests
+
+* Add or update service-level check classes for borrowing rules.
+* Update permission tests if new path/permission logic changes.
+* Build with Maven after implementation if Maven is available.
+
+## Acceptance Criteria
+
+* [ ] Administrator/librarian can open a borrowing management page.
+* [ ] Administrator/librarian can create a valid borrowing record by selecting or entering an existing active reader and borrowable book.
+* [ ] Borrowing decrements available copies and blocks unavailable books.
+* [ ] Borrowing blocks inactive/suspended readers and readers over their max active borrowing count.
+* [ ] Administrator/librarian can return an active loan; the book copy count is restored.
+* [ ] Administrator/librarian can renew an active loan within the configured renewal limit.
+* [ ] Borrowing lists can distinguish active, returned, and overdue records.
+* [ ] Reader can view their own borrowing records when logged in with a linked reader profile.
+* [ ] Relevant service checks pass.
+* [ ] Maven build/check commands pass where available.
+
+## Definition of Done
+
+* Tests added/updated where appropriate.
+* Lint/typecheck/build checks are green.
+* Docs/notes updated if behavior changes.
+* Rollback considered if risky.
+
+## Out of Scope (explicit)
+
+* Reader self-service borrow requests/reservations are not part of this MVP.
+* Email/SMS notifications are out of scope.
+* Fine calculation/payment is out of scope.
+* Background jobs/schedulers are out of scope.
+* Full reports/rankings remain out of scope.
+* No unrelated refactors or visual redesigns.
+
+## Technical Notes
+
+* `README.md` confirms implemented scaffold slices and project stack.
+* `src/main/webapp/WEB-INF/web.xml` defines current Servlet mappings.
+* `src/main/resources/db/schema.sql` has no borrowing/loan table yet.
+* `src/main/webapp/WEB-INF/jsp/dashboard.jsp` and `role-home.jsp` already refer to borrowing workflows in UI copy.
+* `src/main/java/com/mzh/library/entity/Permission.java` already defines `MANAGE_BORROWING` and `BORROW_BOOKS`.
+* `src/main/java/com/mzh/library/filter/AuthorizationFilter.java` may need a `/borrowing` rule mapped to `MANAGE_BORROWING` and reader borrowing history should not expose other readers' records.
+* The local `codebase-retrieval` MCP call was rejected by the approval layer, so context was gathered from targeted repo file reads instead.
diff --git a/.trellis/tasks/04-27-continue-development/task.json b/.trellis/tasks/04-27-continue-development/task.json
new file mode 100644
index 0000000..22fcd74
--- /dev/null
+++ b/.trellis/tasks/04-27-continue-development/task.json
@@ -0,0 +1,26 @@
+{
+  "id": "continue-development",
+  "name": "continue-development",
+  "title": "brainstorm: 继续开发程序",
+  "description": "",
+  "status": "in_progress",
+  "dev_type": null,
+  "scope": null,
+  "package": null,
+  "priority": "P2",
+  "creator": "Zzzz",
+  "assignee": "Zzzz",
+  "createdAt": "2026-04-27",
+  "completedAt": null,
+  "branch": null,
+  "base_branch": "master",
+  "worktree_path": null,
+  "commit": null,
+  "pr_url": null,
+  "subtasks": [],
+  "children": [],
+  "parent": null,
+  "relatedFiles": [],
+  "notes": "",
+  "meta": {}
+}
\ No newline at end of file
diff --git a/src/main/java/com/mzh/library/controller/BorrowingManagementServlet.java b/src/main/java/com/mzh/library/controller/BorrowingManagementServlet.java
new file mode 100644
index 0000000..7b920f4
--- /dev/null
+++ b/src/main/java/com/mzh/library/controller/BorrowingManagementServlet.java
@@ -0,0 +1,237 @@
+package com.mzh.library.controller;
+
+import com.mzh.library.dao.impl.JdbcBorrowRecordDao;
+import com.mzh.library.entity.AuthenticatedUser;
+import com.mzh.library.entity.BorrowRecord;
+import com.mzh.library.entity.BorrowRecordSearchCriteria;
+import com.mzh.library.entity.BorrowRecordStatus;
+import com.mzh.library.service.ServiceResult;
+import com.mzh.library.service.impl.BorrowingServiceImpl;
+import com.mzh.library.util.SessionAttributes;
+
+import java.io.IOException;
+import java.util.Collections;
+import java.util.LinkedHashMap;
+import java.util.List;
+import java.util.Map;
+
+import javax.servlet.ServletException;
+import javax.servlet.http.HttpServlet;
+import javax.servlet.http.HttpServletRequest;
+import javax.servlet.http.HttpServletResponse;
+import javax.servlet.http.HttpSession;
+
+public class BorrowingManagementServlet extends HttpServlet {
+    private static final String MANAGE_JSP = "/WEB-INF/jsp/borrowing/manage.jsp";
+    private static final String FORM_JSP = "/WEB-INF/jsp/borrowing/form.jsp";
+    private static final String UNAUTHORIZED_JSP = "/WEB-INF/jsp/auth/unauthorized.jsp";
+    private static final String FLASH_SUCCESS = "flashSuccess";
+    private static final String FLASH_ERROR = "flashError";
+
+    private BorrowingServiceImpl borrowingService;
+
+    @Override
+    public void init() {
+        this.borrowingService = new BorrowingServiceImpl(new JdbcBorrowRecordDao());
+    }
+
+    @Override
+    protected void doGet(HttpServletRequest request, HttpServletResponse response) throws ServletException, IOException {
+        String path = request.getServletPath();
+        if ("/borrowing/new".equals(path)) {
+            renderForm(request, response, Collections.emptyMap(), Collections.emptyMap(), null);
+            return;
+        }
+        if (!"/borrowing".equals(path)) {
+            response.sendError(HttpServletResponse.SC_NOT_FOUND);
+            return;
+        }
+
+        showManagementList(request, response);
+    }
+
+    @Override
+    protected void doPost(HttpServletRequest request, HttpServletResponse response) throws ServletException, IOException {
+        String path = request.getServletPath();
+        if ("/borrowing/create".equals(path)) {
+            createBorrowRecord(request, response);
+            return;
+        }
+        if ("/borrowing/return".equals(path)) {
+            returnBook(request, response);
+            return;
+        }
+        if ("/borrowing/renew".equals(path)) {
+            renewLoan(request, response);
+            return;
+        }
+
+        response.sendError(HttpServletResponse.SC_NOT_FOUND);
+    }
+
+    private void showManagementList(HttpServletRequest request, HttpServletResponse response)
+        throws ServletException, IOException {
+        BorrowRecordSearchCriteria criteria = searchCriteria(request);
+        request.setAttribute("criteria", criteria);
+        request.setAttribute("statuses", BorrowRecordStatus.values());
+        request.setAttribute("overdueStatus", BorrowRecordSearchCriteria.OVERDUE_STATUS);
+        request.setAttribute("maxRenewals", borrowingService.getMaxRenewals());
+        applyFlash(request);
+
+        ServiceResult<List<BorrowRecord>> result = borrowingService.searchRecords(currentUser(request), criteria);
+        if (isPermissionDenied(result)) {
+            forwardDenied(request, response, result.getMessage());
+            return;
+        }
+
+        request.setAttribute("borrowRecords", result.isSuccessful() ? result.getData() : Collections.emptyList());
+        if (!result.isSuccessful()) {
+            request.setAttribute("errorMessage", result.getMessage());
+            request.setAttribute("errors", result.getErrors());
+        }
+
+        request.getRequestDispatcher(MANAGE_JSP).forward(request, response);
+    }
+
+    private void createBorrowRecord(HttpServletRequest request, HttpServletResponse response)
+        throws ServletException, IOException {
+        Map<String, String> values = formValues(request);
+        ServiceResult<Long> result = borrowingService.borrowBook(currentUser(request),
+            values.get("readerIdentifier"), values.get("bookIdentifier"));
+        if (isPermissionDenied(result)) {
+            forwardDenied(request, response, result.getMessage());
+            return;
+        }
+        if (!result.isSuccessful()) {
+            renderForm(request, response, values, result.getErrors(), result.getMessage());
+            return;
+        }
+
+        flashSuccess(request, result.getMessage());
+        response.sendRedirect(request.getContextPath() + "/borrowing");
+    }
+
+    private void returnBook(HttpServletRequest request, HttpServletResponse response)
+        throws IOException, ServletException {
+        long id = requiredLong(request.getParameter("id"), -1L);
+        ServiceResult<Void> result = id <= 0
+            ? ServiceResult.failure("Select a valid borrowing record.")
+            : borrowingService.returnBook(currentUser(request), id);
+        redirectWithResult(request, response, result);
+    }
+
+    private void renewLoan(HttpServletRequest request, HttpServletResponse response)
+        throws IOException, ServletException {
+        long id = requiredLong(request.getParameter("id"), -1L);
+        ServiceResult<Void> result = id <= 0
+            ? ServiceResult.failure("Select a valid borrowing record.")
+            : borrowingService.renewLoan(currentUser(request), id);
+        redirectWithResult(request, response, result);
+    }
+
+    private void redirectWithResult(HttpServletRequest request, HttpServletResponse response, ServiceResult<?> result)
+        throws IOException, ServletException {
+        if (isPermissionDenied(result)) {
+            forwardDenied(request, response, result.getMessage());
+            return;
+        }
+        if (result.isSuccessful()) {
+            flashSuccess(request, result.getMessage());
+        } else {
+            flashError(request, messageFor(result));
+        }
+        response.sendRedirect(request.getContextPath() + "/borrowing");
+    }
+
+    private void renderForm(HttpServletRequest request, HttpServletResponse response, Map<String, String> formValues,
+                            Map<String, String> errors, String errorMessage)
+        throws ServletException, IOException {
+        request.setAttribute("formValues", formValues);
+        request.setAttribute("errors", errors);
+        if (errorMessage != null && !errorMessage.isEmpty()) {
+            request.setAttribute("errorMessage", errorMessage);
+        }
+        request.getRequestDispatcher(FORM_JSP).forward(request, response);
+    }
+
+    private BorrowRecordSearchCriteria searchCriteria(HttpServletRequest request) {
+        return new BorrowRecordSearchCriteria(
+            request.getParameter("readerIdentifier"),
+            request.getParameter("bookIdentifier"),
+            request.getParameter("status")
+        );
+    }
+
+    private Map<String, String> formValues(HttpServletRequest request) {
+        Map<String, String> values = new LinkedHashMap<>();
+        values.put("readerIdentifier", trim(request.getParameter("readerIdentifier")));
+        values.put("bookIdentifier", trim(request.getParameter("bookIdentifier")));
+        return values;
+    }
+
+    private long requiredLong(String value, long fallback) {
+        try {
+            long parsed = Long.parseLong(trim(value));
+            return parsed > 0 ? parsed : fallback;
+        } catch (NumberFormatException ex) {
+            return fallback;
+        }
+    }
+
+    private String messageFor(ServiceResult<?> result) {
+        if (result.getMessage() != null && !result.getMessage().isEmpty()) {
+            return result.getMessage();
+        }
+        if (result.hasErrors()) {
+            return result.getErrors().values().iterator().next();
+        }
+        return "Borrowing action failed.";
+    }
+
+    private boolean isPermissionDenied(ServiceResult<?> result) {
+        return !result.isSuccessful()
+            && "You do not have permission to manage borrowing.".equals(result.getMessage());
+    }
+
+    private void forwardDenied(HttpServletRequest request, HttpServletResponse response, String message)
+        throws ServletException, IOException {
+        response.setStatus(HttpServletResponse.SC_FORBIDDEN);
+        request.setAttribute("errorMessage", message);
+        request.getRequestDispatcher(UNAUTHORIZED_JSP).forward(request, response);
+    }
+
+    private AuthenticatedUser currentUser(HttpServletRequest request) {
+        HttpSession session = request.getSession(false);
+        Object value = session == null ? null : session.getAttribute(SessionAttributes.AUTHENTICATED_USER);
+        return value instanceof AuthenticatedUser ? (AuthenticatedUser) value : null;
+    }
+
+    private void applyFlash(HttpServletRequest request) {
+        HttpSession session = request.getSession(false);
+        if (session == null) {
+            return;
+        }
+        moveFlash(session, request, FLASH_SUCCESS, "successMessage");
+        moveFlash(session, request, FLASH_ERROR, "errorMessage");
+    }
+
+    private void moveFlash(HttpSession session, HttpServletRequest request, String sessionKey, String requestKey) {
+        Object value = session.getAttribute(sessionKey);
+        if (value != null) {
+            request.setAttribute(requestKey, value);
+            session.removeAttribute(sessionKey);
+        }
+    }
+
+    private void flashSuccess(HttpServletRequest request, String message) {
+        request.getSession().setAttribute(FLASH_SUCCESS, message);
+    }
+
+    private void flashError(HttpServletRequest request, String message) {
+        request.getSession().setAttribute(FLASH_ERROR, message);
+    }
+
+    private String trim(String value) {
+        return value == null ? "" : value.trim();
+    }
+}
diff --git a/src/main/java/com/mzh/library/controller/ReaderLoanHistoryServlet.java b/src/main/java/com/mzh/library/controller/ReaderLoanHistoryServlet.java
new file mode 100644
index 0000000..8a32f04
--- /dev/null
+++ b/src/main/java/com/mzh/library/controller/ReaderLoanHistoryServlet.java
@@ -0,0 +1,67 @@
+package com.mzh.library.controller;
+
+import com.mzh.library.dao.impl.JdbcBorrowRecordDao;
+import com.mzh.library.entity.AuthenticatedUser;
+import com.mzh.library.entity.BorrowRecord;
+import com.mzh.library.service.ServiceResult;
+import com.mzh.library.service.impl.BorrowingServiceImpl;
+import com.mzh.library.util.SessionAttributes;
+
+import java.io.IOException;
+import java.util.Collections;
+import java.util.List;
+
+import javax.servlet.ServletException;
+import javax.servlet.http.HttpServlet;
+import javax.servlet.http.HttpServletRequest;
+import javax.servlet.http.HttpServletResponse;
+import javax.servlet.http.HttpSession;
+
+public class ReaderLoanHistoryServlet extends HttpServlet {
+    private static final String HISTORY_JSP = "/WEB-INF/jsp/reader/loans.jsp";
+    private static final String UNAUTHORIZED_JSP = "/WEB-INF/jsp/auth/unauthorized.jsp";
+    private static final String HISTORY_DENIED_MESSAGE = "You do not have permission to view loan history.";
+
+    private BorrowingServiceImpl borrowingService;
+
+    @Override
+    public void init() {
+        this.borrowingService = new BorrowingServiceImpl(new JdbcBorrowRecordDao());
+    }
+
+    @Override
+    protected void doGet(HttpServletRequest request, HttpServletResponse response) throws ServletException, IOException {
+        ServiceResult<List<BorrowRecord>> result = borrowingService.listCurrentReaderHistory(currentUser(request));
+        if (isPermissionDenied(result)) {
+            forwardDenied(request, response, result.getMessage());
+            return;
+        }
+
+        request.setAttribute("borrowRecords", result.isSuccessful() ? result.getData() : Collections.emptyList());
+        if (result.isSuccessful() && result.getMessage() != null && !result.getMessage().isEmpty()) {
+            request.setAttribute("successMessage", result.getMessage());
+        }
+        if (!result.isSuccessful()) {
+            request.setAttribute("errorMessage", result.getMessage());
+        }
+
+        request.getRequestDispatcher(HISTORY_JSP).forward(request, response);
+    }
+
+    private boolean isPermissionDenied(ServiceResult<?> result) {
+        return !result.isSuccessful() && HISTORY_DENIED_MESSAGE.equals(result.getMessage());
+    }
+
+    private void forwardDenied(HttpServletRequest request, HttpServletResponse response, String message)
+        throws ServletException, IOException {
+        response.setStatus(HttpServletResponse.SC_FORBIDDEN);
+        request.setAttribute("errorMessage", message);
+        request.getRequestDispatcher(UNAUTHORIZED_JSP).forward(request, response);
+    }
+
+    private AuthenticatedUser currentUser(HttpServletRequest request) {
+        HttpSession session = request.getSession(false);
+        Object value = session == null ? null : session.getAttribute(SessionAttributes.AUTHENTICATED_USER);
+        return value instanceof AuthenticatedUser ? (AuthenticatedUser) value : null;
+    }
+}
diff --git a/src/main/java/com/mzh/library/dao/BorrowRecordDao.java b/src/main/java/com/mzh/library/dao/BorrowRecordDao.java
new file mode 100644
index 0000000..2f380d4
--- /dev/null
+++ b/src/main/java/com/mzh/library/dao/BorrowRecordDao.java
@@ -0,0 +1,37 @@
+package com.mzh.library.dao;
+
+import com.mzh.library.entity.Book;
+import com.mzh.library.entity.BorrowRecord;
+import com.mzh.library.entity.BorrowRecordSearchCriteria;
+import com.mzh.library.entity.Reader;
+
+import java.sql.Connection;
+import java.time.LocalDateTime;
+import java.util.List;
+import java.util.Optional;
+
+public interface BorrowRecordDao {
+    List<BorrowRecord> search(BorrowRecordSearchCriteria criteria);
+
+    List<BorrowRecord> findByReaderId(long readerId);
+
+    Optional<Reader> findReaderByUserId(long userId);
+
+    Optional<Reader> findReaderByIdentifierForUpdate(Connection connection, String identifier);
+
+    Optional<Book> findBookByIdentifierForUpdate(Connection connection, String identifier);
+
+    Optional<BorrowRecord> findByIdForUpdate(Connection connection, long id);
+
+    int countActiveByReaderId(Connection connection, long readerId);
+
+    long create(Connection connection, BorrowRecord record);
+
+    boolean decrementAvailableCopies(Connection connection, long bookId);
+
+    boolean incrementAvailableCopies(Connection connection, long bookId);
+
+    boolean markReturned(Connection connection, long id, LocalDateTime returnedAt);
+
+    boolean renew(Connection connection, long id, LocalDateTime dueAt);
+}
diff --git a/src/main/java/com/mzh/library/dao/impl/JdbcBorrowRecordDao.java b/src/main/java/com/mzh/library/dao/impl/JdbcBorrowRecordDao.java
new file mode 100644
index 0000000..6c28b3f
--- /dev/null
+++ b/src/main/java/com/mzh/library/dao/impl/JdbcBorrowRecordDao.java
@@ -0,0 +1,368 @@
+package com.mzh.library.dao.impl;
+
+import com.mzh.library.dao.BorrowRecordDao;
+import com.mzh.library.entity.Book;
+import com.mzh.library.entity.BookStatus;
+import com.mzh.library.entity.BorrowRecord;
+import com.mzh.library.entity.BorrowRecordSearchCriteria;
+import com.mzh.library.entity.BorrowRecordStatus;
+import com.mzh.library.entity.Reader;
+import com.mzh.library.entity.ReaderStatus;
+import com.mzh.library.exception.DaoException;
+import com.mzh.library.util.JdbcUtil;
+
+import java.sql.Connection;
+import java.sql.PreparedStatement;
+import java.sql.ResultSet;
+import java.sql.SQLException;
+import java.sql.Statement;
+import java.sql.Timestamp;
+import java.time.LocalDateTime;
+import java.util.ArrayList;
+import java.util.List;
+import java.util.Optional;
+
+public class JdbcBorrowRecordDao implements BorrowRecordDao {
+    private static final String RECORD_COLUMNS = ""
+        + "br.id, br.reader_id, r.reader_identifier, r.full_name AS reader_name, "
+        + "br.book_id, b.book_identifier, b.title AS book_title, "
+        + "br.borrowed_at, br.due_at, br.returned_at, br.renewal_count, br.status, "
+        + "br.created_at, br.updated_at ";
+
+    private static final String RECORD_FROM = ""
+        + "FROM borrow_records br "
+        + "JOIN readers r ON r.id = br.reader_id "
+        + "JOIN books b ON b.id = br.book_id ";
+
+    private static final String READER_COLUMNS = ""
+        + "r.id, r.reader_identifier, r.user_id, u.username, r.full_name, r.phone, r.email, "
+        + "r.status, r.max_borrow_count, r.created_at, r.updated_at ";
+
+    private static final String READER_FROM = ""
+        + "FROM readers r "
+        + "LEFT JOIN users u ON u.id = r.user_id ";
+
+    private static final String BOOK_COLUMNS = ""
+        + "b.id, b.book_identifier, b.title, b.author, b.category_id, c.name AS category_name, "
+        + "b.total_copies, b.available_copies, b.status, b.created_at, b.updated_at ";
+
+    private static final String BOOK_FROM = ""
+        + "FROM books b "
+        + "JOIN book_categories c ON c.id = b.category_id ";
+
+    private static final String FIND_READER_BY_USER_ID = "SELECT " + READER_COLUMNS + READER_FROM
+        + "WHERE r.user_id = ?";
+
+    private static final String FIND_READER_BY_IDENTIFIER_FOR_UPDATE = "SELECT " + READER_COLUMNS + READER_FROM
+        + "WHERE r.reader_identifier = ? FOR UPDATE";
+
+    private static final String FIND_BOOK_BY_IDENTIFIER_FOR_UPDATE = "SELECT " + BOOK_COLUMNS + BOOK_FROM
+        + "WHERE b.book_identifier = ? FOR UPDATE";
+
+    private static final String FIND_RECORD_BY_ID_FOR_UPDATE = "SELECT " + RECORD_COLUMNS + RECORD_FROM
+        + "WHERE br.id = ? FOR UPDATE";
+
+    private static final String COUNT_ACTIVE_BY_READER_ID = ""
+        + "SELECT COUNT(*) "
+        + "FROM borrow_records "
+        + "WHERE reader_id = ? AND status = ? AND returned_at IS NULL";
+
+    private static final String CREATE = ""
+        + "INSERT INTO borrow_records "
+        + "(reader_id, book_id, borrowed_at, due_at, renewal_count, status) "
+        + "VALUES (?, ?, ?, ?, ?, ?)";
+
+    private static final String DECREMENT_AVAILABLE = ""
+        + "UPDATE books "
+        + "SET available_copies = available_copies - 1 "
+        + "WHERE id = ? AND available_copies > 0";
+
+    private static final String INCREMENT_AVAILABLE = ""
+        + "UPDATE books "
+        + "SET available_copies = LEAST(available_copies + 1, total_copies) "
+        + "WHERE id = ?";
+
+    private static final String MARK_RETURNED = ""
+        + "UPDATE borrow_records "
+        + "SET status = ?, returned_at = ? "
+        + "WHERE id = ? AND status = ? AND returned_at IS NULL";
+
+    private static final String RENEW = ""
+        + "UPDATE borrow_records "
+        + "SET due_at = ?, renewal_count = renewal_count + 1 "
+        + "WHERE id = ? AND status = ? AND returned_at IS NULL";
+
+    @Override
+    public List<BorrowRecord> search(BorrowRecordSearchCriteria criteria) {
+        BorrowRecordSearchCriteria normalized = criteria == null ? new BorrowRecordSearchCriteria() : criteria;
+        List<Object> parameters = new ArrayList<>();
+        StringBuilder sql = new StringBuilder("SELECT ")
+            .append(RECORD_COLUMNS)
+            .append(RECORD_FROM)
+            .append("WHERE 1 = 1 ");
+
+        appendLike(sql, parameters, "r.reader_identifier", normalized.getReaderIdentifier());
+        appendLike(sql, parameters, "b.book_identifier", normalized.getBookIdentifier());
+        appendStatus(sql, parameters, normalized);
+        appendOrder(sql);
+
+        try (Connection connection = JdbcUtil.getConnection();
+             PreparedStatement statement = connection.prepareStatement(sql.toString())) {
+            bind(statement, parameters);
+            try (ResultSet resultSet = statement.executeQuery()) {
+                return mapRecords(resultSet);
+            }
+        } catch (SQLException | IllegalArgumentException ex) {
+            throw new DaoException("Unable to search borrow records", ex);
+        }
+    }
+
+    @Override
+    public List<BorrowRecord> findByReaderId(long readerId) {
+        StringBuilder sql = new StringBuilder("SELECT ")
+            .append(RECORD_COLUMNS)
+            .append(RECORD_FROM)
+            .append("WHERE br.reader_id = ? ");
+        appendOrder(sql);
+
+        try (Connection connection = JdbcUtil.getConnection();
+             PreparedStatement statement = connection.prepareStatement(sql.toString())) {
+            statement.setLong(1, readerId);
+            try (ResultSet resultSet = statement.executeQuery()) {
+                return mapRecords(resultSet);
+            }
+        } catch (SQLException | IllegalArgumentException ex) {
+            throw new DaoException("Unable to load reader borrow records", ex);
+        }
+    }
+
+    @Override
+    public Optional<Reader> findReaderByUserId(long userId) {
+        try (Connection connection = JdbcUtil.getConnection();
+             PreparedStatement statement = connection.prepareStatement(FIND_READER_BY_USER_ID)) {
+            statement.setLong(1, userId);
+            try (ResultSet resultSet = statement.executeQuery()) {
+                return resultSet.next() ? Optional.of(mapReader(resultSet)) : Optional.empty();
+            }
+        } catch (SQLException | IllegalArgumentException ex) {
+            throw new DaoException("Unable to load reader by user id for borrowing", ex);
+        }
+    }
+
+    @Override
+    public Optional<Reader> findReaderByIdentifierForUpdate(Connection connection, String identifier) {
+        try (PreparedStatement statement = connection.prepareStatement(FIND_READER_BY_IDENTIFIER_FOR_UPDATE)) {
+            statement.setString(1, identifier);
+            try (ResultSet resultSet = statement.executeQuery()) {
+                return resultSet.next() ? Optional.of(mapReader(resultSet)) : Optional.empty();
+            }
+        } catch (SQLException | IllegalArgumentException ex) {
+            throw new DaoException("Unable to lock reader for borrowing", ex);
+        }
+    }
+
+    @Override
+    public Optional<Book> findBookByIdentifierForUpdate(Connection connection, String identifier) {
+        try (PreparedStatement statement = connection.prepareStatement(FIND_BOOK_BY_IDENTIFIER_FOR_UPDATE)) {
+            statement.setString(1, identifier);
+            try (ResultSet resultSet = statement.executeQuery()) {
+                return resultSet.next() ? Optional.of(mapBook(resultSet)) : Optional.empty();
+            }
+        } catch (SQLException | IllegalArgumentException ex) {
+            throw new DaoException("Unable to lock book for borrowing", ex);
+        }
+    }
+
+    @Override
+    public Optional<BorrowRecord> findByIdForUpdate(Connection connection, long id) {
+        try (PreparedStatement statement = connection.prepareStatement(FIND_RECORD_BY_ID_FOR_UPDATE)) {
+            statement.setLong(1, id);
+            try (ResultSet resultSet = statement.executeQuery()) {
+                return resultSet.next() ? Optional.of(mapRecord(resultSet)) : Optional.empty();
+            }
+        } catch (SQLException | IllegalArgumentException ex) {
+            throw new DaoException("Unable to lock borrow record", ex);
+        }
+    }
+
+    @Override
+    public int countActiveByReaderId(Connection connection, long readerId) {
+        try (PreparedStatement statement = connection.prepareStatement(COUNT_ACTIVE_BY_READER_ID)) {
+            statement.setLong(1, readerId);
+            statement.setString(2, BorrowRecordStatus.ACTIVE.getCode());
+            try (ResultSet resultSet = statement.executeQuery()) {
+                return resultSet.next() ? resultSet.getInt(1) : 0;
+            }
+        } catch (SQLException ex) {
+            throw new DaoException("Unable to count active borrow records", ex);
+        }
+    }
+
+    @Override
+    public long create(Connection connection, BorrowRecord record) {
+        try (PreparedStatement statement = connection.prepareStatement(CREATE, Statement.RETURN_GENERATED_KEYS)) {
+            statement.setLong(1, record.getReaderId());
+            statement.setLong(2, record.getBookId());
+            statement.setTimestamp(3, Timestamp.valueOf(record.getBorrowedAt()));
+            statement.setTimestamp(4, Timestamp.valueOf(record.getDueAt()));
+            statement.setInt(5, record.getRenewalCount());
+            statement.setString(6, record.getStatus().getCode());
+            statement.executeUpdate();
+
+            try (ResultSet generatedKeys = statement.getGeneratedKeys()) {
+                if (generatedKeys.next()) {
+                    return generatedKeys.getLong(1);
+                }
+            }
+            throw new DaoException("Unable to read generated borrow record id", null);
+        } catch (SQLException ex) {
+            throw new DaoException("Unable to create borrow record", ex);
+        }
+    }
+
+    @Override
+    public boolean decrementAvailableCopies(Connection connection, long bookId) {
+        try (PreparedStatement statement = connection.prepareStatement(DECREMENT_AVAILABLE)) {
+            statement.setLong(1, bookId);
+            return statement.executeUpdate() == 1;
+        } catch (SQLException ex) {
+            throw new DaoException("Unable to decrement available book copies", ex);
+        }
+    }
+
+    @Override
+    public boolean incrementAvailableCopies(Connection connection, long bookId) {
+        try (PreparedStatement statement = connection.prepareStatement(INCREMENT_AVAILABLE)) {
+            statement.setLong(1, bookId);
+            statement.executeUpdate();
+            return true;
+        } catch (SQLException ex) {
+            throw new DaoException("Unable to increment available book copies", ex);
+        }
+    }
+
+    @Override
+    public boolean markReturned(Connection connection, long id, LocalDateTime returnedAt) {
+        try (PreparedStatement statement = connection.prepareStatement(MARK_RETURNED)) {
+            statement.setString(1, BorrowRecordStatus.RETURNED.getCode());
+            statement.setTimestamp(2, Timestamp.valueOf(returnedAt));
+            statement.setLong(3, id);
+            statement.setString(4, BorrowRecordStatus.ACTIVE.getCode());
+            return statement.executeUpdate() == 1;
+        } catch (SQLException ex) {
+            throw new DaoException("Unable to mark borrow record returned", ex);
+        }
+    }
+
+    @Override
+    public boolean renew(Connection connection, long id, LocalDateTime dueAt) {
+        try (PreparedStatement statement = connection.prepareStatement(RENEW)) {
+            statement.setTimestamp(1, Timestamp.valueOf(dueAt));
+            statement.setLong(2, id);
+            statement.setString(3, BorrowRecordStatus.ACTIVE.getCode());
+            return statement.executeUpdate() == 1;
+        } catch (SQLException ex) {
+            throw new DaoException("Unable to renew borrow record", ex);
+        }
+    }
+
+    private void appendLike(StringBuilder sql, List<Object> parameters, String column, String value) {
+        if (value == null || value.trim().isEmpty()) {
+            return;
+        }
+        sql.append("AND ").append(column).append(" LIKE ? ");
+        parameters.add("%" + value.trim() + "%");
+    }
+
+    private void appendStatus(StringBuilder sql, List<Object> parameters, BorrowRecordSearchCriteria criteria) {
+        String statusCode = criteria.getStatusCode();
+        if (statusCode == null || statusCode.isEmpty()) {
+            return;
+        }
+        if (criteria.isOverdueOnly()) {
+            sql.append("AND br.status = ? AND br.returned_at IS NULL AND br.due_at < CURRENT_TIMESTAMP ");
+            parameters.add(BorrowRecordStatus.ACTIVE.getCode());
+            return;
+        }
+        sql.append("AND br.status = ? ");
+        parameters.add(statusCode);
+    }
+
+    private void appendOrder(StringBuilder sql) {
+        sql.append("ORDER BY ")
+            .append("CASE ")
+            .append("WHEN br.status = 'active' AND br.returned_at IS NULL AND br.due_at < CURRENT_TIMESTAMP THEN 0 ")
+            .append("WHEN br.status = 'active' THEN 1 ELSE 2 END, ")
+            .append("br.due_at, br.borrowed_at DESC");
+    }
+
+    private void bind(PreparedStatement statement, List<Object> parameters) throws SQLException {
+        for (int i = 0; i < parameters.size(); i++) {
+            statement.setString(i + 1, parameters.get(i).toString());
+        }
+    }
+
+    private List<BorrowRecord> mapRecords(ResultSet resultSet) throws SQLException {
+        List<BorrowRecord> records = new ArrayList<>();
+        while (resultSet.next()) {
+            records.add(mapRecord(resultSet));
+        }
+        return records;
+    }
+
+    private BorrowRecord mapRecord(ResultSet resultSet) throws SQLException {
+        BorrowRecord record = new BorrowRecord();
+        record.setId(resultSet.getLong("id"));
+        record.setReaderId(resultSet.getLong("reader_id"));
+        record.setReaderIdentifier(resultSet.getString("reader_identifier"));
+        record.setReaderName(resultSet.getString("reader_name"));
+        record.setBookId(resultSet.getLong("book_id"));
+        record.setBookIdentifier(resultSet.getString("book_identifier"));
+        record.setBookTitle(resultSet.getString("book_title"));
+        record.setBorrowedAt(toLocalDateTime(resultSet.getTimestamp("borrowed_at")));
+        record.setDueAt(toLocalDateTime(resultSet.getTimestamp("due_at")));
+        record.setReturnedAt(toLocalDateTime(resultSet.getTimestamp("returned_at")));
+        record.setRenewalCount(resultSet.getInt("renewal_count"));
+        record.setStatus(BorrowRecordStatus.fromCode(resultSet.getString("status")));
+        record.setCreatedAt(toLocalDateTime(resultSet.getTimestamp("created_at")));
+        record.setUpdatedAt(toLocalDateTime(resultSet.getTimestamp("updated_at")));
+        return record;
+    }
+
+    private Reader mapReader(ResultSet resultSet) throws SQLException {
+        Reader reader = new Reader();
+        reader.setId(resultSet.getLong("id"));
+        reader.setIdentifier(resultSet.getString("reader_identifier"));
+        long userId = resultSet.getLong("user_id");
+        reader.setUserId(resultSet.wasNull() ? null : userId);
+        reader.setUsername(resultSet.getString("username"));
+        reader.setFullName(resultSet.getString("full_name"));
+        reader.setPhone(resultSet.getString("phone"));
+        reader.setEmail(resultSet.getString("email"));
+        reader.setStatus(ReaderStatus.fromCode(resultSet.getString("status")));
+        reader.setMaxBorrowCount(resultSet.getInt("max_borrow_count"));
+        reader.setCreatedAt(toLocalDateTime(resultSet.getTimestamp("created_at")));
+        reader.setUpdatedAt(toLocalDateTime(resultSet.getTimestamp("updated_at")));
+        return reader;
+    }
+
+    private Book mapBook(ResultSet resultSet) throws SQLException {
+        Book book = new Book();
+        book.setId(resultSet.getLong("id"));
+        book.setIdentifier(resultSet.getString("book_identifier"));
+        book.setTitle(resultSet.getString("title"));
+        book.setAuthor(resultSet.getString("author"));
+        book.setCategoryId(resultSet.getLong("category_id"));
+        book.setCategoryName(resultSet.getString("category_name"));
+        book.setTotalCopies(resultSet.getInt("total_copies"));
+        book.setAvailableCopies(resultSet.getInt("available_copies"));
+        book.setStatus(BookStatus.fromCode(resultSet.getString("status")));
+        book.setCreatedAt(toLocalDateTime(resultSet.getTimestamp("created_at")));
+        book.setUpdatedAt(toLocalDateTime(resultSet.getTimestamp("updated_at")));
+        return book;
+    }
+
+    private LocalDateTime toLocalDateTime(Timestamp timestamp) {
+        return timestamp == null ? null : timestamp.toLocalDateTime();
+    }
+}
diff --git a/src/main/java/com/mzh/library/entity/BorrowRecord.java b/src/main/java/com/mzh/library/entity/BorrowRecord.java
new file mode 100644
index 0000000..f31a01c
--- /dev/null
+++ b/src/main/java/com/mzh/library/entity/BorrowRecord.java
@@ -0,0 +1,166 @@
+package com.mzh.library.entity;
+
+import java.time.LocalDateTime;
+import java.time.format.DateTimeFormatter;
+
+public class BorrowRecord {
+    private static final DateTimeFormatter DISPLAY_FORMAT = DateTimeFormatter.ofPattern("yyyy-MM-dd HH:mm");
+
+    private long id;
+    private long readerId;
+    private String readerIdentifier;
+    private String readerName;
+    private long bookId;
+    private String bookIdentifier;
+    private String bookTitle;
+    private LocalDateTime borrowedAt;
+    private LocalDateTime dueAt;
+    private LocalDateTime returnedAt;
+    private int renewalCount;
+    private BorrowRecordStatus status;
+    private LocalDateTime createdAt;
+    private LocalDateTime updatedAt;
+
+    public long getId() {
+        return id;
+    }
+
+    public void setId(long id) {
+        this.id = id;
+    }
+
+    public long getReaderId() {
+        return readerId;
+    }
+
+    public void setReaderId(long readerId) {
+        this.readerId = readerId;
+    }
+
+    public String getReaderIdentifier() {
+        return readerIdentifier;
+    }
+
+    public void setReaderIdentifier(String readerIdentifier) {
+        this.readerIdentifier = readerIdentifier;
+    }
+
+    public String getReaderName() {
+        return readerName;
+    }
+
+    public void setReaderName(String readerName) {
+        this.readerName = readerName;
+    }
+
+    public long getBookId() {
+        return bookId;
+    }
+
+    public void setBookId(long bookId) {
+        this.bookId = bookId;
+    }
+
+    public String getBookIdentifier() {
+        return bookIdentifier;
+    }
+
+    public void setBookIdentifier(String bookIdentifier) {
+        this.bookIdentifier = bookIdentifier;
+    }
+
+    public String getBookTitle() {
+        return bookTitle;
+    }
+
+    public void setBookTitle(String bookTitle) {
+        this.bookTitle = bookTitle;
+    }
+
+    public LocalDateTime getBorrowedAt() {
+        return borrowedAt;
+    }
+
+    public void setBorrowedAt(LocalDateTime borrowedAt) {
+        this.borrowedAt = borrowedAt;
+    }
+
+    public LocalDateTime getDueAt() {
+        return dueAt;
+    }
+
+    public void setDueAt(LocalDateTime dueAt) {
+        this.dueAt = dueAt;
+    }
+
+    public LocalDateTime getReturnedAt() {
+        return returnedAt;
+    }
+
+    public void setReturnedAt(LocalDateTime returnedAt) {
+        this.returnedAt = returnedAt;
+    }
+
+    public int getRenewalCount() {
+        return renewalCount;
+    }
+
+    public void setRenewalCount(int renewalCount) {
+        this.renewalCount = renewalCount;
+    }
+
+    public BorrowRecordStatus getStatus() {
+        return status;
+    }
+
+    public void setStatus(BorrowRecordStatus status) {
+        this.status = status;
+    }
+
+    public LocalDateTime getCreatedAt() {
+        return createdAt;
+    }
+
+    public void setCreatedAt(LocalDateTime createdAt) {
+        this.createdAt = createdAt;
+    }
+
+    public LocalDateTime getUpdatedAt() {
+        return updatedAt;
+    }
+
+    public void setUpdatedAt(LocalDateTime updatedAt) {
+        this.updatedAt = updatedAt;
+    }
+
+    public boolean isOverdue() {
+        return BorrowRecordStatus.ACTIVE == status
+            && returnedAt == null
+            && dueAt != null
+            && dueAt.isBefore(LocalDateTime.now());
+    }
+
+    public String getDisplayStatusCode() {
+        return isOverdue() ? BorrowRecordSearchCriteria.OVERDUE_STATUS : status.getCode();
+    }
+
+    public String getDisplayStatusName() {
+        return isOverdue() ? "Overdue" : status.getDisplayName();
+    }
+
+    public String getBorrowedAtText() {
+        return format(borrowedAt);
+    }
+
+    public String getDueAtText() {
+        return format(dueAt);
+    }
+
+    public String getReturnedAtText() {
+        return format(returnedAt);
+    }
+
+    private String format(LocalDateTime value) {
+        return value == null ? "" : DISPLAY_FORMAT.format(value);
+    }
+}
diff --git a/src/main/java/com/mzh/library/entity/BorrowRecordSearchCriteria.java b/src/main/java/com/mzh/library/entity/BorrowRecordSearchCriteria.java
new file mode 100644
index 0000000..e2de1ec
--- /dev/null
+++ b/src/main/java/com/mzh/library/entity/BorrowRecordSearchCriteria.java
@@ -0,0 +1,50 @@
+package com.mzh.library.entity;
+
+public class BorrowRecordSearchCriteria {
+    public static final String OVERDUE_STATUS = "overdue";
+
+    private String readerIdentifier;
+    private String bookIdentifier;
+    private String statusCode;
+
+    public BorrowRecordSearchCriteria() {
+    }
+
+    public BorrowRecordSearchCriteria(String readerIdentifier, String bookIdentifier, String statusCode) {
+        this.readerIdentifier = trim(readerIdentifier);
+        this.bookIdentifier = trim(bookIdentifier);
+        this.statusCode = trim(statusCode);
+    }
+
+    public String getReaderIdentifier() {
+        return readerIdentifier;
+    }
+
+    public void setReaderIdentifier(String readerIdentifier) {
+        this.readerIdentifier = trim(readerIdentifier);
+    }
+
+    public String getBookIdentifier() {
+        return bookIdentifier;
+    }
+
+    public void setBookIdentifier(String bookIdentifier) {
+        this.bookIdentifier = trim(bookIdentifier);
+    }
+
+    public String getStatusCode() {
+        return statusCode;
+    }
+
+    public void setStatusCode(String statusCode) {
+        this.statusCode = trim(statusCode);
+    }
+
+    public boolean isOverdueOnly() {
+        return OVERDUE_STATUS.equals(statusCode);
+    }
+
+    private String trim(String value) {
+        return value == null ? "" : value.trim();
+    }
+}
diff --git a/src/main/java/com/mzh/library/entity/BorrowRecordStatus.java b/src/main/java/com/mzh/library/entity/BorrowRecordStatus.java
new file mode 100644
index 0000000..179669e
--- /dev/null
+++ b/src/main/java/com/mzh/library/entity/BorrowRecordStatus.java
@@ -0,0 +1,39 @@
+package com.mzh.library.entity;
+
+import java.util.Locale;
+
+public enum BorrowRecordStatus {
+    ACTIVE("active", "Active"),
+    RETURNED("returned", "Returned");
+
+    private final String code;
+    private final String displayName;
+
+    BorrowRecordStatus(String code, String displayName) {
+        this.code = code;
+        this.displayName = displayName;
+    }
+
+    public String getCode() {
+        return code;
+    }
+
+    public String getDisplayName() {
+        return displayName;
+    }
+
+    public static BorrowRecordStatus fromCode(String code) {
+        if (code == null || code.trim().isEmpty()) {
+            throw new IllegalArgumentException("Borrow record status is required");
+        }
+
+        String normalized = code.trim().toLowerCase(Locale.ROOT);
+        for (BorrowRecordStatus status : values()) {
+            if (status.code.equals(normalized)) {
+                return status;
+            }
+        }
+
+        throw new IllegalArgumentException("Unsupported borrow record status: " + code);
+    }
+}
diff --git a/src/main/java/com/mzh/library/filter/AuthorizationFilter.java b/src/main/java/com/mzh/library/filter/AuthorizationFilter.java
index db8cc44..676bbe2 100644
--- a/src/main/java/com/mzh/library/filter/AuthorizationFilter.java
+++ b/src/main/java/com/mzh/library/filter/AuthorizationFilter.java
@@ -3,6 +3,7 @@ package com.mzh.library.filter;
 import com.mzh.library.dao.impl.JdbcUserDao;
 import com.mzh.library.entity.AuthenticatedUser;
 import com.mzh.library.entity.Permission;
+import com.mzh.library.entity.Role;
 import com.mzh.library.service.AuthService;
 import com.mzh.library.service.impl.AuthServiceImpl;
 import com.mzh.library.util.SessionAttributes;
@@ -25,11 +26,13 @@ public class AuthorizationFilter implements Filter {
     private static final Logger LOGGER = Logger.getLogger(AuthorizationFilter.class.getName());
     private static final String UNAUTHORIZED_JSP = "/WEB-INF/jsp/auth/unauthorized.jsp";
     private static final List<PathRule> RULES = Arrays.asList(
+        new PathRule("/borrowing", Permission.MANAGE_BORROWING),
         new PathRule("/books", Permission.MANAGE_BOOKS),
         new PathRule("/readers", Permission.MANAGE_READERS),
         new PathRule("/catalog", Permission.VIEW_CATALOG),
         new PathRule("/admin", Permission.MANAGE_USERS),
         new PathRule("/librarian", Permission.MANAGE_BORROWING),
+        new PathRule("/reader/loans", Permission.BORROW_BOOKS, Role.READER),
         new PathRule("/reader", Permission.VIEW_CATALOG)
     );
 
@@ -41,38 +44,39 @@ public class AuthorizationFilter implements Filter {
         HttpServletRequest httpRequest = (HttpServletRequest) request;
         HttpServletResponse httpResponse = (HttpServletResponse) response;
         String path = relativePath(httpRequest);
-        Permission requiredPermission = requiredPermission(path);
+        PathRule requiredRule = requiredRule(path);
 
-        if (requiredPermission == null) {
+        if (requiredRule == null) {
             chain.doFilter(request, response);
             return;
         }
 
         AuthenticatedUser user = currentUser(httpRequest.getSession(false));
-        if (authService.hasPermission(user, requiredPermission)) {
+        if (requiredRule.allows(authService, user)) {
             chain.doFilter(request, response);
             return;
         }
 
-        logDeniedAccess(user, requiredPermission, path);
+        logDeniedAccess(user, requiredRule, path);
         httpResponse.setStatus(HttpServletResponse.SC_FORBIDDEN);
         request.setAttribute("errorMessage", "You do not have permission to access this page.");
         request.getRequestDispatcher(UNAUTHORIZED_JSP).forward(request, response);
     }
 
-    private void logDeniedAccess(AuthenticatedUser user, Permission requiredPermission, String path) {
+    private void logDeniedAccess(AuthenticatedUser user, PathRule requiredRule, String path) {
         String actor = user == null
             ? "anonymous"
             : "userId=" + user.getId() + " role=" + user.getRole().getCode();
         LOGGER.warning("Permission denied path=" + path
-            + " requiredPermission=" + requiredPermission.getCode()
+            + " requiredPermission=" + requiredRule.permission.getCode()
+            + " requiredRole=" + requiredRule.requiredRoleCode()
             + " actor=" + actor);
     }
 
-    private Permission requiredPermission(String path) {
+    private PathRule requiredRule(String path) {
         for (PathRule rule : RULES) {
             if (path.equals(rule.prefix) || path.startsWith(rule.prefix + "/")) {
-                return rule.permission;
+                return rule;
             }
         }
         return null;
@@ -95,10 +99,25 @@ public class AuthorizationFilter implements Filter {
     private static final class PathRule {
         private final String prefix;
         private final Permission permission;
+        private final Role requiredRole;
 
         private PathRule(String prefix, Permission permission) {
+            this(prefix, permission, null);
+        }
+
+        private PathRule(String prefix, Permission permission, Role requiredRole) {
             this.prefix = prefix;
             this.permission = permission;
+            this.requiredRole = requiredRole;
+        }
+
+        private boolean allows(AuthService authService, AuthenticatedUser user) {
+            boolean roleAllowed = requiredRole == null || (user != null && user.getRole() == requiredRole);
+            return roleAllowed && authService.hasPermission(user, permission);
+        }
+
+        private String requiredRoleCode() {
+            return requiredRole == null ? "any" : requiredRole.getCode();
         }
     }
 }
diff --git a/src/main/java/com/mzh/library/service/BorrowingService.java b/src/main/java/com/mzh/library/service/BorrowingService.java
new file mode 100644
index 0000000..8603b12
--- /dev/null
+++ b/src/main/java/com/mzh/library/service/BorrowingService.java
@@ -0,0 +1,19 @@
+package com.mzh.library.service;
+
+import com.mzh.library.entity.AuthenticatedUser;
+import com.mzh.library.entity.BorrowRecord;
+import com.mzh.library.entity.BorrowRecordSearchCriteria;
+
+import java.util.List;
+
+public interface BorrowingService {
+    ServiceResult<List<BorrowRecord>> searchRecords(AuthenticatedUser actor, BorrowRecordSearchCriteria criteria);
+
+    ServiceResult<Long> borrowBook(AuthenticatedUser actor, String readerIdentifier, String bookIdentifier);
+
+    ServiceResult<Void> returnBook(AuthenticatedUser actor, long recordId);
+
+    ServiceResult<Void> renewLoan(AuthenticatedUser actor, long recordId);
+
+    ServiceResult<List<BorrowRecord>> listCurrentReaderHistory(AuthenticatedUser actor);
+}
diff --git a/src/main/java/com/mzh/library/service/impl/BorrowingServiceImpl.java b/src/main/java/com/mzh/library/service/impl/BorrowingServiceImpl.java
new file mode 100644
index 0000000..5f6915a
--- /dev/null
+++ b/src/main/java/com/mzh/library/service/impl/BorrowingServiceImpl.java
@@ -0,0 +1,339 @@
+package com.mzh.library.service.impl;
+
+import com.mzh.library.dao.BorrowRecordDao;
+import com.mzh.library.entity.AuthenticatedUser;
+import com.mzh.library.entity.Book;
+import com.mzh.library.entity.BookStatus;
+import com.mzh.library.entity.BorrowRecord;
+import com.mzh.library.entity.BorrowRecordSearchCriteria;
+import com.mzh.library.entity.BorrowRecordStatus;
+import com.mzh.library.entity.Permission;
+import com.mzh.library.entity.Reader;
+import com.mzh.library.entity.ReaderStatus;
+import com.mzh.library.entity.Role;
+import com.mzh.library.exception.DaoException;
+import com.mzh.library.service.BorrowingService;
+import com.mzh.library.service.PermissionPolicy;
+import com.mzh.library.service.ServiceResult;
+import com.mzh.library.util.JdbcUtil;
+
+import java.sql.SQLException;
+import java.time.Clock;
+import java.time.LocalDateTime;
+import java.util.Collections;
+import java.util.LinkedHashMap;
+import java.util.List;
+import java.util.Map;
+import java.util.Optional;
+import java.util.logging.Level;
+import java.util.logging.Logger;
+
+public class BorrowingServiceImpl implements BorrowingService {
+    public interface TransactionExecutor {
+        <T> T execute(JdbcUtil.TransactionCallback<T> callback);
+    }
+
+    private static final Logger LOGGER = Logger.getLogger(BorrowingServiceImpl.class.getName());
+    private static final String UNAVAILABLE_MESSAGE =
+        "Borrowing service is temporarily unavailable. Please try again later.";
+    private static final String VALIDATION_MESSAGE = "Please correct the highlighted borrowing fields.";
+    private static final String DENIED_MESSAGE = "You do not have permission to manage borrowing.";
+    private static final String HISTORY_DENIED_MESSAGE = "You do not have permission to view loan history.";
+    private static final int LOAN_DAYS = 14;
+    private static final int MAX_RENEWALS = 1;
+
+    private final BorrowRecordDao borrowRecordDao;
+    private final PermissionPolicy permissionPolicy;
+    private final Clock clock;
+    private final TransactionExecutor transactionExecutor;
+
+    public BorrowingServiceImpl(BorrowRecordDao borrowRecordDao) {
+        this(borrowRecordDao, new PermissionPolicy(), Clock.systemDefaultZone(), new JdbcTransactionExecutor());
+    }
+
+    public BorrowingServiceImpl(BorrowRecordDao borrowRecordDao, PermissionPolicy permissionPolicy, Clock clock,
+                                TransactionExecutor transactionExecutor) {
+        this.borrowRecordDao = borrowRecordDao;
+        this.permissionPolicy = permissionPolicy;
+        this.clock = clock;
+        this.transactionExecutor = transactionExecutor;
+    }
+
+    @Override
+    public ServiceResult<List<BorrowRecord>> searchRecords(AuthenticatedUser actor, BorrowRecordSearchCriteria criteria) {
+        if (!canManageBorrowing(actor)) {
+            return ServiceResult.failure(DENIED_MESSAGE);
+        }
+
+        BorrowRecordSearchCriteria normalized = criteria == null ? new BorrowRecordSearchCriteria() : criteria;
+        Map<String, String> errors = validateSearch(normalized);
+        if (!errors.isEmpty()) {
+            return ServiceResult.validationFailure("Please correct the borrowing search filters.", errors);
+        }
+
+        try {
+            return ServiceResult.success(borrowRecordDao.search(normalized));
+        } catch (DaoException ex) {
+            LOGGER.log(Level.SEVERE, "Unable to search borrow records actorId=" + actor.getId(), ex);
+            return ServiceResult.failure(UNAVAILABLE_MESSAGE);
+        }
+    }
+
+    @Override
+    public ServiceResult<Long> borrowBook(AuthenticatedUser actor, String readerIdentifier, String bookIdentifier) {
+        if (!canManageBorrowing(actor)) {
+            return ServiceResult.failure(DENIED_MESSAGE);
+        }
+
+        String normalizedReaderIdentifier = trim(readerIdentifier);
+        String normalizedBookIdentifier = trim(bookIdentifier);
+        Map<String, String> errors = validateBorrowIdentifiers(normalizedReaderIdentifier, normalizedBookIdentifier);
+        if (!errors.isEmpty()) {
+            return ServiceResult.validationFailure(VALIDATION_MESSAGE, errors);
+        }
+
+        try {
+            return transactionExecutor.execute(connection -> {
+                Map<String, String> transactionErrors = new LinkedHashMap<>();
+                Optional<Reader> readerResult = borrowRecordDao.findReaderByIdentifierForUpdate(connection,
+                    normalizedReaderIdentifier);
+                if (!readerResult.isPresent()) {
+                    transactionErrors.put("readerIdentifier", "Reader was not found.");
+                }
+
+                Optional<Book> bookResult = borrowRecordDao.findBookByIdentifierForUpdate(connection,
+                    normalizedBookIdentifier);
+                if (!bookResult.isPresent()) {
+                    transactionErrors.put("bookIdentifier", "Book was not found.");
+                }
+
+                if (!transactionErrors.isEmpty()) {
+                    return ServiceResult.validationFailure(VALIDATION_MESSAGE, transactionErrors);
+                }
+
+                Reader reader = readerResult.get();
+                Book book = bookResult.get();
+                validateBorrowEligibility(transactionErrors, reader, book, connection);
+                if (!transactionErrors.isEmpty()) {
+                    return ServiceResult.validationFailure(VALIDATION_MESSAGE, transactionErrors);
+                }
+
+                LocalDateTime borrowedAt = now();
+                BorrowRecord record = new BorrowRecord();
+                record.setReaderId(reader.getId());
+                record.setBookId(book.getId());
+                record.setBorrowedAt(borrowedAt);
+                record.setDueAt(borrowedAt.plusDays(LOAN_DAYS));
+                record.setRenewalCount(0);
+                record.setStatus(BorrowRecordStatus.ACTIVE);
+
+                long id = borrowRecordDao.create(connection, record);
+                if (!borrowRecordDao.decrementAvailableCopies(connection, book.getId())) {
+                    throw new DaoException("Book inventory was not decremented for borrow record " + id, null);
+                }
+
+                LOGGER.info("Borrowed book recordId=" + id + " readerId=" + reader.getId()
+                    + " bookId=" + book.getId() + " actorId=" + actor.getId());
+                return ServiceResult.success(id, "Book borrowed.");
+            });
+        } catch (DaoException ex) {
+            LOGGER.log(Level.SEVERE, "Unable to borrow book actorId=" + actor.getId()
+                + " readerIdentifier=" + normalizedReaderIdentifier
+                + " bookIdentifier=" + normalizedBookIdentifier, ex);
+            return ServiceResult.failure(UNAVAILABLE_MESSAGE);
+        }
+    }
+
+    @Override
+    public ServiceResult<Void> returnBook(AuthenticatedUser actor, long recordId) {
+        if (!canManageBorrowing(actor)) {
+            return ServiceResult.failure(DENIED_MESSAGE);
+        }
+        if (recordId <= 0) {
+            return ServiceResult.failure("Select a valid borrowing record.");
+        }
+
+        try {
+            return transactionExecutor.execute(connection -> {
+                Optional<BorrowRecord> recordResult = borrowRecordDao.findByIdForUpdate(connection, recordId);
+                if (!recordResult.isPresent()) {
+                    return ServiceResult.failure("Borrowing record was not found.");
+                }
+
+                BorrowRecord record = recordResult.get();
+                Map<String, String> errors = validateActiveLoan(record);
+                if (!errors.isEmpty()) {
+                    return ServiceResult.validationFailure("Borrowing record cannot be returned.", errors);
+                }
+
+                if (!borrowRecordDao.markReturned(connection, recordId, now())) {
+                    throw new DaoException("Borrow record was not marked returned: " + recordId, null);
+                }
+                borrowRecordDao.incrementAvailableCopies(connection, record.getBookId());
+
+                LOGGER.info("Returned borrow recordId=" + recordId + " actorId=" + actor.getId());
+                return ServiceResult.success(null, "Book returned.");
+            });
+        } catch (DaoException ex) {
+            LOGGER.log(Level.SEVERE, "Unable to return borrow record id=" + recordId + " actorId=" + actor.getId(), ex);
+            return ServiceResult.failure(UNAVAILABLE_MESSAGE);
+        }
+    }
+
+    @Override
+    public ServiceResult<Void> renewLoan(AuthenticatedUser actor, long recordId) {
+        if (!canManageBorrowing(actor)) {
+            return ServiceResult.failure(DENIED_MESSAGE);
+        }
+        if (recordId <= 0) {
+            return ServiceResult.failure("Select a valid borrowing record.");
+        }
+
+        try {
+            return transactionExecutor.execute(connection -> {
+                Optional<BorrowRecord> recordResult = borrowRecordDao.findByIdForUpdate(connection, recordId);
+                if (!recordResult.isPresent()) {
+                    return ServiceResult.failure("Borrowing record was not found.");
+                }
+
+                BorrowRecord record = recordResult.get();
+                Map<String, String> errors = validateActiveLoan(record);
+                if (record.getRenewalCount() >= MAX_RENEWALS) {
+                    errors.put("renewalCount", "This loan has already reached the renewal limit.");
+                }
+                if (!errors.isEmpty()) {
+                    return ServiceResult.validationFailure("Borrowing record cannot be renewed.", errors);
+                }
+
+                LocalDateTime currentDueAt = record.getDueAt() == null ? now() : record.getDueAt();
+                LocalDateTime newDueAt = currentDueAt.plusDays(LOAN_DAYS);
+                if (!borrowRecordDao.renew(connection, recordId, newDueAt)) {
+                    throw new DaoException("Borrow record was not renewed: " + recordId, null);
+                }
+
+                LOGGER.info("Renewed borrow recordId=" + recordId + " actorId=" + actor.getId());
+                return ServiceResult.success(null, "Loan renewed.");
+            });
+        } catch (DaoException ex) {
+            LOGGER.log(Level.SEVERE, "Unable to renew borrow record id=" + recordId + " actorId=" + actor.getId(), ex);
+            return ServiceResult.failure(UNAVAILABLE_MESSAGE);
+        }
+    }
+
+    @Override
+    public ServiceResult<List<BorrowRecord>> listCurrentReaderHistory(AuthenticatedUser actor) {
+        if (!canViewOwnHistory(actor)) {
+            return ServiceResult.failure(HISTORY_DENIED_MESSAGE);
+        }
+
+        try {
+            Optional<Reader> readerResult = borrowRecordDao.findReaderByUserId(actor.getId());
+            if (!readerResult.isPresent()) {
+                return ServiceResult.success(Collections.emptyList(), "No reader profile is linked to your account.");
+            }
+
+            return ServiceResult.success(borrowRecordDao.findByReaderId(readerResult.get().getId()));
+        } catch (DaoException ex) {
+            LOGGER.log(Level.SEVERE, "Unable to load reader loan history actorId=" + actor.getId(), ex);
+            return ServiceResult.failure(UNAVAILABLE_MESSAGE);
+        }
+    }
+
+    public int getMaxRenewals() {
+        return MAX_RENEWALS;
+    }
+
+    private void validateBorrowEligibility(Map<String, String> errors, Reader reader, Book book,
+                                           java.sql.Connection connection) {
+        if (reader.getStatus() != ReaderStatus.ACTIVE) {
+            errors.put("readerIdentifier", "Reader must be active to borrow books.");
+        }
+        int activeLoans = borrowRecordDao.countActiveByReaderId(connection, reader.getId());
+        if (activeLoans >= reader.getMaxBorrowCount()) {
+            errors.put("readerIdentifier", "Reader has reached the active borrowing limit.");
+        }
+        if (book.getStatus() != BookStatus.AVAILABLE) {
+            errors.put("bookIdentifier", "Book status does not allow borrowing.");
+        } else if (book.getAvailableCopies() <= 0) {
+            errors.put("bookIdentifier", "No available copies remain for this book.");
+        }
+    }
+
+    private Map<String, String> validateSearch(BorrowRecordSearchCriteria criteria) {
+        Map<String, String> errors = new LinkedHashMap<>();
+        String statusCode = trim(criteria.getStatusCode());
+        criteria.setReaderIdentifier(criteria.getReaderIdentifier());
+        criteria.setBookIdentifier(criteria.getBookIdentifier());
+        criteria.setStatusCode(statusCode);
+
+        if (!statusCode.isEmpty() && !BorrowRecordSearchCriteria.OVERDUE_STATUS.equals(statusCode)) {
+            try {
+                BorrowRecordStatus.fromCode(statusCode);
+            } catch (IllegalArgumentException ex) {
+                errors.put("status", "Select a valid borrowing status.");
+            }
+        }
+        return errors;
+    }
+
+    private Map<String, String> validateBorrowIdentifiers(String readerIdentifier, String bookIdentifier) {
+        Map<String, String> errors = new LinkedHashMap<>();
+        requireLength(errors, "readerIdentifier", readerIdentifier, "Reader ID", 64);
+        requireLength(errors, "bookIdentifier", bookIdentifier, "Book ID", 64);
+        return errors;
+    }
+
+    private Map<String, String> validateActiveLoan(BorrowRecord record) {
+        Map<String, String> errors = new LinkedHashMap<>();
+        if (record.getStatus() != BorrowRecordStatus.ACTIVE || record.getReturnedAt() != null) {
+            errors.put("status", "Only active loans can use this action.");
+        }
+        return errors;
+    }
+
+    private void requireLength(Map<String, String> errors, String field, String value, String label, int maxLength) {
+        if (value == null || value.isEmpty()) {
+            errors.put(field, label + " is required.");
+            return;
+        }
+        if (value.length() > maxLength) {
+            errors.put(field, label + " must be " + maxLength + " characters or fewer.");
+        }
+    }
+
+    private boolean canManageBorrowing(AuthenticatedUser actor) {
+        return actor != null && permissionPolicy.allows(actor.getRole(), Permission.MANAGE_BORROWING);
+    }
+
+    private boolean canViewOwnHistory(AuthenticatedUser actor) {
+        return actor != null
+            && actor.getRole() == Role.READER
+            && permissionPolicy.allows(actor.getRole(), Permission.BORROW_BOOKS);
+    }
+
+    private LocalDateTime now() {
+        return LocalDateTime.now(clock);
+    }
+
+    private String trim(String value) {
+        return value == null ? "" : value.trim();
+    }
+
+    private static final class JdbcTransactionExecutor implements TransactionExecutor {
+        @Override
+        public <T> T execute(JdbcUtil.TransactionCallback<T> callback) {
+            return JdbcUtil.executeInTransaction(callback);
+        }
+    }
+
+    public static final class DirectTransactionExecutor implements TransactionExecutor {
+        @Override
+        public <T> T execute(JdbcUtil.TransactionCallback<T> callback) {
+            try {
+                return callback.execute(null);
+            } catch (SQLException ex) {
+                throw new DaoException("Unable to execute direct transaction", ex);
+            }
+        }
+    }
+}
diff --git a/src/main/java/com/mzh/library/util/JdbcUtil.java b/src/main/java/com/mzh/library/util/JdbcUtil.java
index be1015a..82ce508 100644
--- a/src/main/java/com/mzh/library/util/JdbcUtil.java
+++ b/src/main/java/com/mzh/library/util/JdbcUtil.java
@@ -13,6 +13,11 @@ public final class JdbcUtil {
     private static final String CONFIG_FILE = "db.properties";
     private static final String DEFAULT_DRIVER = "com.mysql.cj.jdbc.Driver";
 
+    @FunctionalInterface
+    public interface TransactionCallback<T> {
+        T execute(Connection connection) throws SQLException;
+    }
+
     private JdbcUtil() {
     }
 
@@ -31,6 +36,33 @@ public final class JdbcUtil {
         }
     }
 
+    public static <T> T executeInTransaction(TransactionCallback<T> callback) {
+        try (Connection connection = getConnection()) {
+            connection.setAutoCommit(false);
+            try {
+                T result = callback.execute(connection);
+                connection.commit();
+                return result;
+            } catch (SQLException ex) {
+                rollbackQuietly(connection);
+                throw new DaoException("Unable to complete database transaction", ex);
+            } catch (RuntimeException ex) {
+                rollbackQuietly(connection);
+                throw ex;
+            }
+        } catch (SQLException ex) {
+            throw new DaoException("Unable to complete database transaction", ex);
+        }
+    }
+
+    private static void rollbackQuietly(Connection connection) {
+        try {
+            connection.rollback();
+        } catch (SQLException ignored) {
+            // Preserve the original transaction failure for callers and logs.
+        }
+    }
+
     private static Properties loadProperties() {
         try (InputStream inputStream = Thread.currentThread()
             .getContextClassLoader()
diff --git a/src/main/resources/db/schema.sql b/src/main/resources/db/schema.sql
index 725908c..5d9dc04 100644
--- a/src/main/resources/db/schema.sql
+++ b/src/main/resources/db/schema.sql
@@ -117,6 +117,31 @@ CREATE TABLE IF NOT EXISTS books (
     CHECK (status IN ('available', 'unavailable', 'archived'))
 ) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
 
+CREATE TABLE IF NOT EXISTS borrow_records (
+  id BIGINT PRIMARY KEY AUTO_INCREMENT,
+  reader_id BIGINT NOT NULL,
+  book_id BIGINT NOT NULL,
+  borrowed_at DATETIME NOT NULL,
+  due_at DATETIME NOT NULL,
+  returned_at DATETIME NULL,
+  renewal_count INT NOT NULL DEFAULT 0,
+  status VARCHAR(32) NOT NULL DEFAULT 'active',
+  created_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP,
+  updated_at TIMESTAMP NOT NULL DEFAULT CURRENT_TIMESTAMP ON UPDATE CURRENT_TIMESTAMP,
+  KEY idx_borrow_records_reader_id (reader_id),
+  KEY idx_borrow_records_book_id (book_id),
+  KEY idx_borrow_records_status (status),
+  KEY idx_borrow_records_due_at (due_at),
+  CONSTRAINT fk_borrow_records_reader
+    FOREIGN KEY (reader_id) REFERENCES readers (id),
+  CONSTRAINT fk_borrow_records_book
+    FOREIGN KEY (book_id) REFERENCES books (id),
+  CONSTRAINT chk_borrow_records_renewal_count
+    CHECK (renewal_count >= 0),
+  CONSTRAINT chk_borrow_records_status
+    CHECK (status IN ('active', 'returned'))
+) ENGINE=InnoDB DEFAULT CHARSET=utf8mb4 COLLATE=utf8mb4_unicode_ci;
+
 INSERT INTO roles (code, name, description) VALUES
   ('administrator', 'Administrator', 'Full system administration role'),
   ('librarian', 'Librarian', 'Library operation and borrowing management role'),
@@ -146,7 +171,6 @@ INSERT IGNORE INTO role_permissions (role_code, permission_code) VALUES
   ('administrator', 'view_reports'),
   ('administrator', 'view_system_logs'),
   ('administrator', 'view_catalog'),
-  ('administrator', 'borrow_books'),
   ('librarian', 'manage_books'),
   ('librarian', 'manage_readers'),
   ('librarian', 'manage_borrowing'),
@@ -162,17 +186,10 @@ INSERT IGNORE INTO users (username, password_hash, display_name, role_code, acti
   ('librarian', 'pbkdf2_sha256$60000$bXpoLWxpYnJhcmlhbi1kZW1vLXNhbHQ=$StIdJGDRIiF4aCr+qKuwvob5sL3+6j1caF2sQNqFi78=', 'Library Staff', 'librarian', 1),
   ('reader', 'pbkdf2_sha256$60000$bXpoLXJlYWRlci1kZW1vLXNhbHQ=$iaiZPGhaIQ+2R2o9UQRj6wsrmYSJ4efqS3jCzM/XU7g=', 'Demo Reader', 'reader', 1);
 
-INSERT INTO readers (reader_identifier, user_id, full_name, phone, email, status, max_borrow_count) VALUES
+INSERT IGNORE INTO readers (reader_identifier, user_id, full_name, phone, email, status, max_borrow_count) VALUES
   ('RD-0001', (SELECT id FROM users WHERE username = 'reader'), 'Demo Reader', '13800000000',
     'reader@example.com', 'active', 5),
-  ('RD-0002', NULL, 'Suspended Reader', '13900000000', 'suspended.reader@example.com', 'suspended', 3)
-ON DUPLICATE KEY UPDATE
-  user_id = VALUES(user_id),
-  full_name = VALUES(full_name),
-  phone = VALUES(phone),
-  email = VALUES(email),
-  status = VALUES(status),
-  max_borrow_count = VALUES(max_borrow_count);
+  ('RD-0002', NULL, 'Suspended Reader', '13900000000', 'suspended.reader@example.com', 'suspended', 3);
 
 INSERT INTO book_categories (name, description) VALUES
   ('Computer Science', 'Programming, software engineering, and systems books'),
@@ -182,7 +199,7 @@ INSERT INTO book_categories (name, description) VALUES
 ON DUPLICATE KEY UPDATE
   description = VALUES(description);
 
-INSERT INTO books (book_identifier, title, author, category_id, total_copies, available_copies, status) VALUES
+INSERT IGNORE INTO books (book_identifier, title, author, category_id, total_copies, available_copies, status) VALUES
   ('BK-0001', 'Effective Java', 'Joshua Bloch',
     (SELECT id FROM book_categories WHERE name = 'Computer Science'), 5, 4, 'available'),
   ('BK-0002', 'Clean Code', 'Robert C. Martin',
@@ -190,11 +207,4 @@ INSERT INTO books (book_identifier, title, author, category_id, total_copies, av
   ('BK-0003', 'Pride and Prejudice', 'Jane Austen',
     (SELECT id FROM book_categories WHERE name = 'Literature'), 3, 3, 'available'),
   ('BK-0004', 'A Brief History of Time', 'Stephen Hawking',
-    (SELECT id FROM book_categories WHERE name = 'Science'), 2, 1, 'available')
-ON DUPLICATE KEY UPDATE
-  title = VALUES(title),
-  author = VALUES(author),
-  category_id = VALUES(category_id),
-  total_copies = VALUES(total_copies),
-  available_copies = VALUES(available_copies),
-  status = VALUES(status);
+    (SELECT id FROM book_categories WHERE name = 'Science'), 2, 1, 'available');
diff --git a/src/main/webapp/WEB-INF/jsp/borrowing/form.jsp b/src/main/webapp/WEB-INF/jsp/borrowing/form.jsp
new file mode 100644
index 0000000..d5a5e54
--- /dev/null
+++ b/src/main/webapp/WEB-INF/jsp/borrowing/form.jsp
@@ -0,0 +1,57 @@
+<%@ page contentType="text/html;charset=UTF-8" pageEncoding="UTF-8" %>
+<%@ taglib prefix="c" uri="http://java.sun.com/jsp/jstl/core" %>
+<%@ taglib prefix="fn" uri="http://java.sun.com/jsp/jstl/functions" %>
+<!doctype html>
+<html lang="en">
+<head>
+    <meta charset="UTF-8">
+    <meta name="viewport" content="width=device-width, initial-scale=1">
+    <title>New Borrow - MZH Library</title>
+    <link rel="stylesheet" href="${pageContext.request.contextPath}/static/css/app.css">
+</head>
+<body>
+<%@ include file="/WEB-INF/jsp/common/header.jspf" %>
+<main class="page-shell">
+    <section class="form-panel" aria-labelledby="borrow-form-title">
+        <p class="eyebrow">Borrowing Management</p>
+        <h1 id="borrow-form-title">New borrow</h1>
+
+        <c:if test="${not empty errorMessage}">
+            <div class="message message-error" role="alert">
+                <c:out value="${errorMessage}" />
+            </div>
+        </c:if>
+
+        <c:set var="readerIdentifierValue" value="${formValues.readerIdentifier}" />
+        <c:set var="bookIdentifierValue" value="${formValues.bookIdentifier}" />
+
+        <form class="borrow-form" action="${pageContext.request.contextPath}/borrowing/create" method="post" novalidate>
+            <div class="form-grid">
+                <div class="form-field">
+                    <label for="readerIdentifier">Reader ID</label>
+                    <input id="readerIdentifier" name="readerIdentifier" type="text"
+                           value="${fn:escapeXml(readerIdentifierValue)}" required>
+                    <c:if test="${not empty errors.readerIdentifier}">
+                        <span class="field-error"><c:out value="${errors.readerIdentifier}" /></span>
+                    </c:if>
+                </div>
+
+                <div class="form-field">
+                    <label for="bookIdentifier">Book ID</label>
+                    <input id="bookIdentifier" name="bookIdentifier" type="text"
+                           value="${fn:escapeXml(bookIdentifierValue)}" required>
+                    <c:if test="${not empty errors.bookIdentifier}">
+                        <span class="field-error"><c:out value="${errors.bookIdentifier}" /></span>
+                    </c:if>
+                </div>
+            </div>
+
+            <div class="form-actions">
+                <button class="button button-primary" type="submit">Borrow</button>
+                <a class="button button-secondary" href="${pageContext.request.contextPath}/borrowing">Cancel</a>
+            </div>
+        </form>
+    </section>
+</main>
+</body>
+</html>
diff --git a/src/main/webapp/WEB-INF/jsp/borrowing/manage.jsp b/src/main/webapp/WEB-INF/jsp/borrowing/manage.jsp
new file mode 100644
index 0000000..285d189
--- /dev/null
+++ b/src/main/webapp/WEB-INF/jsp/borrowing/manage.jsp
@@ -0,0 +1,155 @@
+<%@ page contentType="text/html;charset=UTF-8" pageEncoding="UTF-8" %>
+<%@ taglib prefix="c" uri="http://java.sun.com/jsp/jstl/core" %>
+<%@ taglib prefix="fn" uri="http://java.sun.com/jsp/jstl/functions" %>
+<!doctype html>
+<html lang="en">
+<head>
+    <meta charset="UTF-8">
+    <meta name="viewport" content="width=device-width, initial-scale=1">
+    <title>Borrowing Management - MZH Library</title>
+    <link rel="stylesheet" href="${pageContext.request.contextPath}/static/css/app.css">
+</head>
+<body>
+<%@ include file="/WEB-INF/jsp/common/header.jspf" %>
+<main class="page-shell">
+    <section class="dashboard-hero catalog-hero" aria-labelledby="borrowing-title">
+        <div>
+            <p class="eyebrow">Borrowing Management</p>
+            <h1 id="borrowing-title">Manage borrowing</h1>
+            <p>Create borrow records, process returns, renew active loans, and review overdue items.</p>
+        </div>
+        <a class="button button-primary" href="${pageContext.request.contextPath}/borrowing/new">New borrow</a>
+    </section>
+
+    <c:if test="${not empty successMessage}">
+        <div class="message message-success" role="status">
+            <c:out value="${successMessage}" />
+        </div>
+    </c:if>
+    <c:if test="${not empty errorMessage}">
+        <div class="message message-error" role="alert">
+            <c:out value="${errorMessage}" />
+        </div>
+    </c:if>
+
+    <section class="toolbar-panel" aria-label="Borrowing search">
+        <form class="search-form borrowing-search-form" action="${pageContext.request.contextPath}/borrowing" method="get">
+            <div class="search-field">
+                <label for="readerIdentifier">Reader ID</label>
+                <input id="readerIdentifier" name="readerIdentifier" type="text"
+                       value="${fn:escapeXml(criteria.readerIdentifier)}">
+            </div>
+
+            <div class="search-field">
+                <label for="bookIdentifier">Book ID</label>
+                <input id="bookIdentifier" name="bookIdentifier" type="text"
+                       value="${fn:escapeXml(criteria.bookIdentifier)}">
+            </div>
+
+            <div class="search-field">
+                <label for="status">Status</label>
+                <select id="status" name="status">
+                    <option value="">All statuses</option>
+                    <c:forEach var="status" items="${statuses}">
+                        <option value="${status.code}" <c:if test="${criteria.statusCode == status.code}">selected</c:if>>
+                            <c:out value="${status.displayName}" />
+                        </option>
+                    </c:forEach>
+                    <option value="${overdueStatus}" <c:if test="${criteria.statusCode == overdueStatus}">selected</c:if>>
+                        Overdue
+                    </option>
+                </select>
+                <c:if test="${not empty errors.status}">
+                    <span class="field-error"><c:out value="${errors.status}" /></span>
+                </c:if>
+            </div>
+
+            <button class="button button-primary" type="submit">Search</button>
+            <a class="button button-secondary" href="${pageContext.request.contextPath}/borrowing">Clear</a>
+        </form>
+    </section>
+
+    <section class="table-panel" aria-labelledby="borrowing-results-title">
+        <h2 id="borrowing-results-title">Borrowing records</h2>
+        <c:choose>
+            <c:when test="${empty borrowRecords}">
+                <p class="empty-state">No borrowing records match the current filters.</p>
+            </c:when>
+            <c:otherwise>
+                <div class="table-scroll">
+                    <table class="data-table borrowing-table">
+                        <thead>
+                        <tr>
+                            <th scope="col">Reader</th>
+                            <th scope="col">Book</th>
+                            <th scope="col">Borrowed</th>
+                            <th scope="col">Due</th>
+                            <th scope="col">Returned</th>
+                            <th scope="col">Renewals</th>
+                            <th scope="col">Status</th>
+                            <th scope="col">Actions</th>
+                        </tr>
+                        </thead>
+                        <tbody>
+                        <c:forEach var="record" items="${borrowRecords}">
+                            <tr>
+                                <td>
+                                    <strong><c:out value="${record.readerIdentifier}" /></strong>
+                                    <div class="muted-text"><c:out value="${record.readerName}" /></div>
+                                </td>
+                                <td>
+                                    <strong><c:out value="${record.bookIdentifier}" /></strong>
+                                    <div class="muted-text"><c:out value="${record.bookTitle}" /></div>
+                                </td>
+                                <td><c:out value="${record.borrowedAtText}" /></td>
+                                <td><c:out value="${record.dueAtText}" /></td>
+                                <td>
+                                    <c:choose>
+                                        <c:when test="${not empty record.returnedAtText}">
+                                            <c:out value="${record.returnedAtText}" />
+                                        </c:when>
+                                        <c:otherwise>Not returned</c:otherwise>
+                                    </c:choose>
+                                </td>
+                                <td><c:out value="${record.renewalCount}" /> / <c:out value="${maxRenewals}" /></td>
+                                <td>
+                                    <span class="status-pill status-${record.displayStatusCode}">
+                                        <c:out value="${record.displayStatusName}" />
+                                    </span>
+                                </td>
+                                <td>
+                                    <c:choose>
+                                        <c:when test="${record.status.code == 'active'}">
+                                            <div class="table-actions">
+                                                <form action="${pageContext.request.contextPath}/borrowing/return"
+                                                      method="post"
+                                                      onsubmit="return confirm('Return this book?');">
+                                                    <input type="hidden" name="id" value="${record.id}">
+                                                    <button class="button button-secondary" type="submit">Return</button>
+                                                </form>
+                                                <c:if test="${record.renewalCount < maxRenewals}">
+                                                    <form action="${pageContext.request.contextPath}/borrowing/renew"
+                                                          method="post"
+                                                          onsubmit="return confirm('Renew this loan?');">
+                                                        <input type="hidden" name="id" value="${record.id}">
+                                                        <button class="button button-secondary" type="submit">Renew</button>
+                                                    </form>
+                                                </c:if>
+                                            </div>
+                                        </c:when>
+                                        <c:otherwise>
+                                            <span class="muted-text">Complete</span>
+                                        </c:otherwise>
+                                    </c:choose>
+                                </td>
+                            </tr>
+                        </c:forEach>
+                        </tbody>
+                    </table>
+                </div>
+            </c:otherwise>
+        </c:choose>
+    </section>
+</main>
+</body>
+</html>
diff --git a/src/main/webapp/WEB-INF/jsp/common/header.jspf b/src/main/webapp/WEB-INF/jsp/common/header.jspf
index 9d549d4..e92045b 100644
--- a/src/main/webapp/WEB-INF/jsp/common/header.jspf
+++ b/src/main/webapp/WEB-INF/jsp/common/header.jspf
@@ -12,8 +12,12 @@
                 <a href="${pageContext.request.contextPath}/librarian/home">Librarian</a>
                 <a href="${pageContext.request.contextPath}/books">Books</a>
                 <a href="${pageContext.request.contextPath}/readers">Readers</a>
+                <a href="${pageContext.request.contextPath}/borrowing">Borrowing</a>
             </c:if>
             <a href="${pageContext.request.contextPath}/reader/home">Reader</a>
+            <c:if test="${sessionScope.userRole == 'reader'}">
+                <a href="${pageContext.request.contextPath}/reader/loans">My Loans</a>
+            </c:if>
             <span class="user-pill">
                 <c:out value="${sessionScope.authenticatedUser.displayName}" />
             </span>
diff --git a/src/main/webapp/WEB-INF/jsp/dashboard.jsp b/src/main/webapp/WEB-INF/jsp/dashboard.jsp
index a80ba42..b285eb1 100644
--- a/src/main/webapp/WEB-INF/jsp/dashboard.jsp
+++ b/src/main/webapp/WEB-INF/jsp/dashboard.jsp
@@ -46,6 +46,12 @@
                 <p>Create, update, deactivate, and review reader eligibility records.</p>
                 <a class="button button-secondary" href="${pageContext.request.contextPath}/readers">Open</a>
             </article>
+
+            <article class="workspace-card">
+                <h2>Borrowing Management</h2>
+                <p>Create loans, process returns, renew active records, and review overdue items.</p>
+                <a class="button button-secondary" href="${pageContext.request.contextPath}/borrowing">Open</a>
+            </article>
         </c:if>
 
         <article class="workspace-card">
@@ -56,9 +62,17 @@
 
         <article class="workspace-card">
             <h2>Reader Center</h2>
-            <p>Reader self-service entry point.</p>
+            <p>Reader self-service entry point for catalog access and loan history.</p>
             <a class="button button-secondary" href="${pageContext.request.contextPath}/reader/home">Open</a>
         </article>
+
+        <c:if test="${sessionScope.userRole == 'reader'}">
+            <article class="workspace-card">
+                <h2>My Loan History</h2>
+                <p>Review your active, returned, and overdue borrowing records.</p>
+                <a class="button button-secondary" href="${pageContext.request.contextPath}/reader/loans">Open</a>
+            </article>
+        </c:if>
     </section>
 </main>
 </body>
diff --git a/src/main/webapp/WEB-INF/jsp/reader/loans.jsp b/src/main/webapp/WEB-INF/jsp/reader/loans.jsp
new file mode 100644
index 0000000..0895a41
--- /dev/null
+++ b/src/main/webapp/WEB-INF/jsp/reader/loans.jsp
@@ -0,0 +1,85 @@
+<%@ page contentType="text/html;charset=UTF-8" pageEncoding="UTF-8" %>
+<%@ taglib prefix="c" uri="http://java.sun.com/jsp/jstl/core" %>
+<!doctype html>
+<html lang="en">
+<head>
+    <meta charset="UTF-8">
+    <meta name="viewport" content="width=device-width, initial-scale=1">
+    <title>Loan History - MZH Library</title>
+    <link rel="stylesheet" href="${pageContext.request.contextPath}/static/css/app.css">
+</head>
+<body>
+<%@ include file="/WEB-INF/jsp/common/header.jspf" %>
+<main class="page-shell">
+    <section class="dashboard-hero catalog-hero" aria-labelledby="loan-history-title">
+        <div>
+            <p class="eyebrow">Reader Center</p>
+            <h1 id="loan-history-title">Loan history</h1>
+            <p>Review your active, returned, and overdue borrowing records.</p>
+        </div>
+        <a class="button button-secondary" href="${pageContext.request.contextPath}/catalog">Search catalog</a>
+    </section>
+
+    <c:if test="${not empty successMessage}">
+        <div class="message message-success" role="status">
+            <c:out value="${successMessage}" />
+        </div>
+    </c:if>
+    <c:if test="${not empty errorMessage}">
+        <div class="message message-error" role="alert">
+            <c:out value="${errorMessage}" />
+        </div>
+    </c:if>
+
+    <section class="table-panel" aria-labelledby="loan-results-title">
+        <h2 id="loan-results-title">Borrowing records</h2>
+        <c:choose>
+            <c:when test="${empty borrowRecords}">
+                <p class="empty-state">No borrowing records are available for this account.</p>
+            </c:when>
+            <c:otherwise>
+                <div class="table-scroll">
+                    <table class="data-table borrowing-table">
+                        <thead>
+                        <tr>
+                            <th scope="col">Book ID</th>
+                            <th scope="col">Title</th>
+                            <th scope="col">Borrowed</th>
+                            <th scope="col">Due</th>
+                            <th scope="col">Returned</th>
+                            <th scope="col">Renewals</th>
+                            <th scope="col">Status</th>
+                        </tr>
+                        </thead>
+                        <tbody>
+                        <c:forEach var="record" items="${borrowRecords}">
+                            <tr>
+                                <td><c:out value="${record.bookIdentifier}" /></td>
+                                <td><c:out value="${record.bookTitle}" /></td>
+                                <td><c:out value="${record.borrowedAtText}" /></td>
+                                <td><c:out value="${record.dueAtText}" /></td>
+                                <td>
+                                    <c:choose>
+                                        <c:when test="${not empty record.returnedAtText}">
+                                            <c:out value="${record.returnedAtText}" />
+                                        </c:when>
+                                        <c:otherwise>Not returned</c:otherwise>
+                                    </c:choose>
+                                </td>
+                                <td><c:out value="${record.renewalCount}" /></td>
+                                <td>
+                                    <span class="status-pill status-${record.displayStatusCode}">
+                                        <c:out value="${record.displayStatusName}" />
+                                    </span>
+                                </td>
+                            </tr>
+                        </c:forEach>
+                        </tbody>
+                    </table>
+                </div>
+            </c:otherwise>
+        </c:choose>
+    </section>
+</main>
+</body>
+</html>
diff --git a/src/main/webapp/WEB-INF/jsp/role-home.jsp b/src/main/webapp/WEB-INF/jsp/role-home.jsp
index 6ec1291..1a27c03 100644
--- a/src/main/webapp/WEB-INF/jsp/role-home.jsp
+++ b/src/main/webapp/WEB-INF/jsp/role-home.jsp
@@ -39,6 +39,20 @@
                 <p>Create, update, deactivate, and review eligibility fields for reader records.</p>
                 <a class="button button-secondary" href="${pageContext.request.contextPath}/readers">Manage readers</a>
             </article>
+
+            <article class="workspace-card">
+                <h2>Borrowing Management</h2>
+                <p>Create loans, process returns, renew records, and review overdue items.</p>
+                <a class="button button-secondary" href="${pageContext.request.contextPath}/borrowing">Manage borrowing</a>
+            </article>
+        </c:if>
+
+        <c:if test="${sessionScope.userRole == 'reader'}">
+            <article class="workspace-card">
+                <h2>My Loan History</h2>
+                <p>Review active loans, returned records, renewal counts, and overdue status.</p>
+                <a class="button button-secondary" href="${pageContext.request.contextPath}/reader/loans">View history</a>
+            </article>
         </c:if>
     </section>
 </main>
diff --git a/src/main/webapp/WEB-INF/web.xml b/src/main/webapp/WEB-INF/web.xml
index 8202aa3..5f2dc23 100644
--- a/src/main/webapp/WEB-INF/web.xml
+++ b/src/main/webapp/WEB-INF/web.xml
@@ -110,6 +110,28 @@
         <url-pattern>/readers/delete</url-pattern>
     </servlet-mapping>
 
+    <servlet>
+        <servlet-name>BorrowingManagementServlet</servlet-name>
+        <servlet-class>com.mzh.library.controller.BorrowingManagementServlet</servlet-class>
+    </servlet>
+    <servlet-mapping>
+        <servlet-name>BorrowingManagementServlet</servlet-name>
+        <url-pattern>/borrowing</url-pattern>
+        <url-pattern>/borrowing/new</url-pattern>
+        <url-pattern>/borrowing/create</url-pattern>
+        <url-pattern>/borrowing/return</url-pattern>
+        <url-pattern>/borrowing/renew</url-pattern>
+    </servlet-mapping>
+
+    <servlet>
+        <servlet-name>ReaderLoanHistoryServlet</servlet-name>
+        <servlet-class>com.mzh.library.controller.ReaderLoanHistoryServlet</servlet-class>
+    </servlet>
+    <servlet-mapping>
+        <servlet-name>ReaderLoanHistoryServlet</servlet-name>
+        <url-pattern>/reader/loans</url-pattern>
+    </servlet-mapping>
+
     <servlet>
         <servlet-name>UnauthorizedServlet</servlet-name>
         <servlet-class>com.mzh.library.controller.UnauthorizedServlet</servlet-class>
diff --git a/src/main/webapp/static/css/app.css b/src/main/webapp/static/css/app.css
index 5b62a3e..d038d87 100644
--- a/src/main/webapp/static/css/app.css
+++ b/src/main/webapp/static/css/app.css
@@ -289,6 +289,10 @@ h2 {
     align-items: end;
 }
 
+.borrowing-search-form {
+    grid-template-columns: repeat(3, minmax(120px, 1fr)) auto auto;
+}
+
 .search-field {
     display: grid;
     gap: 6px;
@@ -305,7 +309,8 @@ h2 {
 .book-form input,
 .book-form select,
 .reader-form input,
-.reader-form select {
+.reader-form select,
+.borrow-form input {
     width: 100%;
     min-height: 42px;
     padding: 9px 11px;
@@ -320,7 +325,8 @@ h2 {
 .book-form input:focus,
 .book-form select:focus,
 .reader-form input:focus,
-.reader-form select:focus {
+.reader-form select:focus,
+.borrow-form input:focus {
     outline: 3px solid rgba(37, 111, 108, 0.18);
     border-color: var(--color-primary);
 }
@@ -337,6 +343,10 @@ h2 {
     font-size: 14px;
 }
 
+.borrowing-table {
+    min-width: 980px;
+}
+
 .data-table th,
 .data-table td {
     padding: 12px 10px;
@@ -397,6 +407,21 @@ h2 {
     background: #eef1f5;
 }
 
+.status-returned {
+    color: var(--color-muted);
+    background: #eef1f5;
+}
+
+.status-overdue {
+    color: #7a211a;
+    background: #fff0ee;
+}
+
+.muted-text {
+    color: var(--color-muted);
+    font-size: 13px;
+}
+
 .table-actions {
     display: flex;
     gap: 8px;
@@ -413,7 +438,8 @@ h2 {
 }
 
 .book-form,
-.reader-form {
+.reader-form,
+.borrow-form {
     display: grid;
     gap: 20px;
 }
diff --git a/src/test/java/com/mzh/library/service/BorrowingServiceCheck.java b/src/test/java/com/mzh/library/service/BorrowingServiceCheck.java
new file mode 100644
index 0000000..9871fb5
--- /dev/null
+++ b/src/test/java/com/mzh/library/service/BorrowingServiceCheck.java
@@ -0,0 +1,455 @@
+package com.mzh.library.service;
+
+import com.mzh.library.dao.BorrowRecordDao;
+import com.mzh.library.entity.AuthenticatedUser;
+import com.mzh.library.entity.Book;
+import com.mzh.library.entity.BookStatus;
+import com.mzh.library.entity.BorrowRecord;
+import com.mzh.library.entity.BorrowRecordSearchCriteria;
+import com.mzh.library.entity.BorrowRecordStatus;
+import com.mzh.library.entity.Permission;
+import com.mzh.library.entity.Reader;
+import com.mzh.library.entity.ReaderStatus;
+import com.mzh.library.entity.Role;
+import com.mzh.library.exception.DaoException;
+import com.mzh.library.service.impl.BorrowingServiceImpl;
+
+import java.sql.Connection;
+import java.time.Clock;
+import java.time.Instant;
+import java.time.LocalDateTime;
+import java.time.ZoneId;
+import java.util.ArrayList;
+import java.util.EnumSet;
+import java.util.LinkedHashMap;
+import java.util.List;
+import java.util.Map;
+import java.util.Optional;
+import java.util.logging.Level;
+import java.util.logging.Logger;
+
+public final class BorrowingServiceCheck {
+    private static final String UNAVAILABLE_MESSAGE =
+        "Borrowing service is temporarily unavailable. Please try again later.";
+    private static final Clock FIXED_CLOCK = Clock.fixed(
+        Instant.parse("2026-04-27T00:00:00Z"),
+        ZoneId.of("UTC")
+    );
+
+    private BorrowingServiceCheck() {
+    }
+
+    public static void main(String[] args) {
+        Logger.getLogger(BorrowingServiceImpl.class.getName()).setLevel(Level.OFF);
+
+        InMemoryBorrowRecordDao dao = new InMemoryBorrowRecordDao();
+        BorrowingService service = service(dao);
+        AuthenticatedUser librarian = user(10L, Role.LIBRARIAN);
+        AuthenticatedUser readerUser = user(20L, Role.READER);
+        AuthenticatedUser administrator = user(30L, Role.ADMINISTRATOR);
+
+        Reader activeReader = reader(1L, "RD-1000", 20L, "Active Reader", ReaderStatus.ACTIVE, 1);
+        Reader suspendedReader = reader(2L, "RD-1001", null, "Suspended Reader", ReaderStatus.SUSPENDED, 3);
+        Reader renewingReader = reader(3L, "RD-1002", null, "Renewing Reader", ReaderStatus.ACTIVE, 2);
+        dao.putReader(activeReader);
+        dao.putReader(suspendedReader);
+        dao.putReader(renewingReader);
+        dao.putBook(book(1L, "BK-1000", "Available Book", BookStatus.AVAILABLE, 2, 1));
+        dao.putBook(book(2L, "BK-1001", "Unavailable Book", BookStatus.UNAVAILABLE, 1, 1));
+        dao.putBook(book(3L, "BK-1002", "No Copies", BookStatus.AVAILABLE, 1, 0));
+        dao.putBook(book(4L, "BK-1003", "Renewable Book", BookStatus.AVAILABLE, 1, 1));
+        dao.putBook(book(5L, "BK-1004", "Limit Book", BookStatus.AVAILABLE, 1, 1));
+
+        ServiceResult<Long> denied = service.borrowBook(readerUser, "RD-1000", "BK-1000");
+        require(!denied.isSuccessful(), "reader should not manage borrow creation");
+        require("You do not have permission to manage borrowing.".equals(denied.getMessage()),
+            "reader borrow creation should return permission message");
+
+        ServiceResult<Long> suspended = service.borrowBook(librarian, "RD-1001", "BK-1000");
+        require(!suspended.isSuccessful(), "suspended reader should not borrow");
+        require(suspended.getErrors().containsKey("readerIdentifier"),
+            "suspended reader failure should target readerIdentifier");
+
+        ServiceResult<Long> unavailable = service.borrowBook(librarian, "RD-1000", "BK-1001");
+        require(!unavailable.isSuccessful(), "unavailable book should not be borrowed");
+        require(unavailable.getErrors().containsKey("bookIdentifier"),
+            "unavailable book failure should target bookIdentifier");
+
+        ServiceResult<Long> noCopies = service.borrowBook(librarian, "RD-1000", "BK-1002");
+        require(!noCopies.isSuccessful(), "book with no copies should not be borrowed");
+        require(noCopies.getErrors().containsKey("bookIdentifier"),
+            "no-copy book failure should target bookIdentifier");
+
+        ServiceResult<Long> borrowed = service.borrowBook(librarian, "RD-1000", "BK-1000");
+        require(borrowed.isSuccessful(), "librarian should create a valid borrow record");
+        long borrowedId = borrowed.getData();
+        require(dao.books.get(1L).getAvailableCopies() == 0, "borrow should decrement available copies");
+
+        ServiceResult<Long> overLimit = service.borrowBook(librarian, "RD-1000", "BK-1004");
+        require(!overLimit.isSuccessful(), "reader at max active loans should be blocked");
+        require(overLimit.getErrors().containsKey("readerIdentifier"),
+            "borrow limit failure should target readerIdentifier");
+
+        ServiceResult<List<BorrowRecord>> history = service.listCurrentReaderHistory(readerUser);
+        require(history.isSuccessful(), "linked reader should view own loan history");
+        require(history.getData().size() == 1, "reader history should include own record");
+
+        ServiceResult<List<BorrowRecord>> staffHistory = service.listCurrentReaderHistory(administrator);
+        require(!staffHistory.isSuccessful(), "staff should use management history, not reader loan history");
+        require("You do not have permission to view loan history.".equals(staffHistory.getMessage()),
+            "staff reader-history access should return permission message");
+
+        ServiceResult<Void> returned = service.returnBook(librarian, borrowedId);
+        require(returned.isSuccessful(), "librarian should return an active loan");
+        require(dao.records.get(borrowedId).getStatus() == BorrowRecordStatus.RETURNED,
+            "return should mark record returned");
+        require(dao.books.get(1L).getAvailableCopies() == 1, "return should restore available copies");
+
+        ServiceResult<Long> renewable = service.borrowBook(librarian, "RD-1002", "BK-1003");
+        require(renewable.isSuccessful(), "renewal test borrow should succeed");
+        long renewableId = renewable.getData();
+        LocalDateTime firstDueAt = dao.records.get(renewableId).getDueAt();
+
+        ServiceResult<Void> renewed = service.renewLoan(librarian, renewableId);
+        require(renewed.isSuccessful(), "first renewal should succeed");
+        BorrowRecord renewedRecord = dao.records.get(renewableId);
+        require(renewedRecord.getRenewalCount() == 1, "renew should increment renewal count");
+        require(renewedRecord.getDueAt().equals(firstDueAt.plusDays(14)), "renew should extend due date");
+
+        ServiceResult<Void> secondRenewal = service.renewLoan(librarian, renewableId);
+        require(!secondRenewal.isSuccessful(), "second renewal should hit the explicit renewal limit");
+        require(secondRenewal.getErrors().containsKey("renewalCount"),
+            "renewal limit should target renewalCount");
+
+        BorrowRecord overdue = record(90L, 3L, 5L, LocalDateTime.of(2000, 1, 1, 12, 0),
+            LocalDateTime.of(2000, 1, 15, 12, 0), null, 0, BorrowRecordStatus.ACTIVE);
+        dao.records.put(overdue.getId(), overdue);
+        ServiceResult<List<BorrowRecord>> overdueSearch = service.searchRecords(librarian,
+            new BorrowRecordSearchCriteria("", "", BorrowRecordSearchCriteria.OVERDUE_STATUS));
+        require(overdueSearch.isSuccessful(), "overdue search should succeed");
+        require(overdueSearch.getData().size() == 1, "overdue search should only return overdue active loans");
+
+        AuthenticatedUser unlinkedReader = user(21L, Role.READER);
+        ServiceResult<List<BorrowRecord>> unlinkedHistory = service.listCurrentReaderHistory(unlinkedReader);
+        require(unlinkedHistory.isSuccessful(), "unlinked reader history should return a safe empty result");
+        require(unlinkedHistory.getData().isEmpty(), "unlinked reader history should be empty");
+
+        BorrowingService failingService = service(new FailingBorrowRecordDao());
+        ServiceResult<List<BorrowRecord>> failingSearch = failingService.searchRecords(librarian,
+            new BorrowRecordSearchCriteria());
+        require(!failingSearch.isSuccessful(), "DAO failure should not escape search");
+        require(UNAVAILABLE_MESSAGE.equals(failingSearch.getMessage()),
+            "DAO failure should map to safe borrowing message");
+    }
+
+    private static BorrowingService service(BorrowRecordDao dao) {
+        return new BorrowingServiceImpl(dao, new PermissionPolicy(), FIXED_CLOCK,
+            new BorrowingServiceImpl.DirectTransactionExecutor());
+    }
+
+    private static AuthenticatedUser user(long id, Role role) {
+        return new AuthenticatedUser(id, role.getCode(), role.getDisplayName(), role,
+            role == Role.READER
+                ? EnumSet.of(Permission.VIEW_CATALOG, Permission.BORROW_BOOKS)
+                : EnumSet.of(Permission.MANAGE_BORROWING, Permission.VIEW_CATALOG));
+    }
+
+    private static Reader reader(long id, String identifier, Long userId, String fullName,
+                                 ReaderStatus status, int maxBorrowCount) {
+        Reader reader = new Reader();
+        reader.setId(id);
+        reader.setIdentifier(identifier);
+        reader.setUserId(userId);
+        reader.setFullName(fullName);
+        reader.setStatus(status);
+        reader.setMaxBorrowCount(maxBorrowCount);
+        return reader;
+    }
+
+    private static Book book(long id, String identifier, String title, BookStatus status,
+                             int totalCopies, int availableCopies) {
+        Book book = new Book();
+        book.setId(id);
+        book.setIdentifier(identifier);
+        book.setTitle(title);
+        book.setAuthor("Test Author");
+        book.setCategoryId(1L);
+        book.setCategoryName("Test Category");
+        book.setStatus(status);
+        book.setTotalCopies(totalCopies);
+        book.setAvailableCopies(availableCopies);
+        return book;
+    }
+
+    private static BorrowRecord record(long id, long readerId, long bookId, LocalDateTime borrowedAt,
+                                       LocalDateTime dueAt, LocalDateTime returnedAt, int renewalCount,
+                                       BorrowRecordStatus status) {
+        BorrowRecord record = new BorrowRecord();
+        record.setId(id);
+        record.setReaderId(readerId);
+        record.setBookId(bookId);
+        record.setBorrowedAt(borrowedAt);
+        record.setDueAt(dueAt);
+        record.setReturnedAt(returnedAt);
+        record.setRenewalCount(renewalCount);
+        record.setStatus(status);
+        return record;
+    }
+
+    private static void require(boolean condition, String message) {
+        if (!condition) {
+            throw new AssertionError(message);
+        }
+    }
+
+    private static final class InMemoryBorrowRecordDao implements BorrowRecordDao {
+        private final Map<Long, Reader> readers = new LinkedHashMap<>();
+        private final Map<Long, Book> books = new LinkedHashMap<>();
+        private final Map<Long, BorrowRecord> records = new LinkedHashMap<>();
+        private long nextId = 1L;
+
+        private void putReader(Reader reader) {
+            readers.put(reader.getId(), reader);
+        }
+
+        private void putBook(Book book) {
+            books.put(book.getId(), book);
+        }
+
+        @Override
+        public List<BorrowRecord> search(BorrowRecordSearchCriteria criteria) {
+            List<BorrowRecord> matches = new ArrayList<>();
+            for (BorrowRecord record : records.values()) {
+                BorrowRecord enriched = enrich(copy(record));
+                if (matches(criteria.getReaderIdentifier(), enriched.getReaderIdentifier())
+                    && matches(criteria.getBookIdentifier(), enriched.getBookIdentifier())
+                    && statusMatches(criteria, enriched)) {
+                    matches.add(enriched);
+                }
+            }
+            return matches;
+        }
+
+        @Override
+        public List<BorrowRecord> findByReaderId(long readerId) {
+            List<BorrowRecord> matches = new ArrayList<>();
+            for (BorrowRecord record : records.values()) {
+                if (record.getReaderId() == readerId) {
+                    matches.add(enrich(copy(record)));
+                }
+            }
+            return matches;
+        }
+
+        @Override
+        public Optional<Reader> findReaderByUserId(long userId) {
+            for (Reader reader : readers.values()) {
+                if (reader.getUserId() != null && reader.getUserId() == userId) {
+                    return Optional.of(copy(reader));
+                }
+            }
+            return Optional.empty();
+        }
+
+        @Override
+        public Optional<Reader> findReaderByIdentifierForUpdate(Connection connection, String identifier) {
+            for (Reader reader : readers.values()) {
+                if (reader.getIdentifier().equals(identifier)) {
+                    return Optional.of(copy(reader));
+                }
+            }
+            return Optional.empty();
+        }
+
+        @Override
+        public Optional<Book> findBookByIdentifierForUpdate(Connection connection, String identifier) {
+            for (Book book : books.values()) {
+                if (book.getIdentifier().equals(identifier)) {
+                    return Optional.of(copy(book));
+                }
+            }
+            return Optional.empty();
+        }
+
+        @Override
+        public Optional<BorrowRecord> findByIdForUpdate(Connection connection, long id) {
+            return Optional.ofNullable(records.get(id)).map(this::copy).map(this::enrich);
+        }
+
+        @Override
+        public int countActiveByReaderId(Connection connection, long readerId) {
+            int count = 0;
+            for (BorrowRecord record : records.values()) {
+                if (record.getReaderId() == readerId
+                    && record.getStatus() == BorrowRecordStatus.ACTIVE
+                    && record.getReturnedAt() == null) {
+                    count++;
+                }
+            }
+            return count;
+        }
+
+        @Override
+        public long create(Connection connection, BorrowRecord record) {
+            long id = nextId++;
+            BorrowRecord stored = copy(record);
+            stored.setId(id);
+            records.put(id, stored);
+            return id;
+        }
+
+        @Override
+        public boolean decrementAvailableCopies(Connection connection, long bookId) {
+            Book book = books.get(bookId);
+            if (book == null || book.getAvailableCopies() <= 0) {
+                return false;
+            }
+            book.setAvailableCopies(book.getAvailableCopies() - 1);
+            return true;
+        }
+
+        @Override
+        public boolean incrementAvailableCopies(Connection connection, long bookId) {
+            Book book = books.get(bookId);
+            if (book == null) {
+                return false;
+            }
+            book.setAvailableCopies(Math.min(book.getAvailableCopies() + 1, book.getTotalCopies()));
+            return true;
+        }
+
+        @Override
+        public boolean markReturned(Connection connection, long id, LocalDateTime returnedAt) {
+            BorrowRecord record = records.get(id);
+            if (record == null || record.getStatus() != BorrowRecordStatus.ACTIVE || record.getReturnedAt() != null) {
+                return false;
+            }
+            record.setStatus(BorrowRecordStatus.RETURNED);
+            record.setReturnedAt(returnedAt);
+            return true;
+        }
+
+        @Override
+        public boolean renew(Connection connection, long id, LocalDateTime dueAt) {
+            BorrowRecord record = records.get(id);
+            if (record == null || record.getStatus() != BorrowRecordStatus.ACTIVE || record.getReturnedAt() != null) {
+                return false;
+            }
+            record.setDueAt(dueAt);
+            record.setRenewalCount(record.getRenewalCount() + 1);
+            return true;
+        }
+
+        private boolean matches(String filter, String value) {
+            return filter == null || filter.isEmpty() || value.contains(filter);
+        }
+
+        private boolean statusMatches(BorrowRecordSearchCriteria criteria, BorrowRecord record) {
+            String statusCode = criteria.getStatusCode();
+            if (statusCode == null || statusCode.isEmpty()) {
+                return true;
+            }
+            if (criteria.isOverdueOnly()) {
+                return record.isOverdue();
+            }
+            return record.getStatus().getCode().equals(statusCode);
+        }
+
+        private BorrowRecord enrich(BorrowRecord record) {
+            Reader reader = readers.get(record.getReaderId());
+            Book book = books.get(record.getBookId());
+            if (reader != null) {
+                record.setReaderIdentifier(reader.getIdentifier());
+                record.setReaderName(reader.getFullName());
+            }
+            if (book != null) {
+                record.setBookIdentifier(book.getIdentifier());
+                record.setBookTitle(book.getTitle());
+            }
+            return record;
+        }
+
+        private Reader copy(Reader source) {
+            return reader(source.getId(), source.getIdentifier(), source.getUserId(), source.getFullName(),
+                source.getStatus(), source.getMaxBorrowCount());
+        }
+
+        private Book copy(Book source) {
+            return book(source.getId(), source.getIdentifier(), source.getTitle(), source.getStatus(),
+                source.getTotalCopies(), source.getAvailableCopies());
+        }
+
+        private BorrowRecord copy(BorrowRecord source) {
+            BorrowRecord copy = record(source.getId(), source.getReaderId(), source.getBookId(),
+                source.getBorrowedAt(), source.getDueAt(), source.getReturnedAt(), source.getRenewalCount(),
+                source.getStatus());
+            copy.setReaderIdentifier(source.getReaderIdentifier());
+            copy.setReaderName(source.getReaderName());
+            copy.setBookIdentifier(source.getBookIdentifier());
+            copy.setBookTitle(source.getBookTitle());
+            return copy;
+        }
+    }
+
+    private static final class FailingBorrowRecordDao implements BorrowRecordDao {
+        @Override
+        public List<BorrowRecord> search(BorrowRecordSearchCriteria criteria) {
+            throw new DaoException("Simulated search failure", null);
+        }
+
+        @Override
+        public List<BorrowRecord> findByReaderId(long readerId) {
+            throw new DaoException("Simulated history failure", null);
+        }
+
+        @Override
+        public Optional<Reader> findReaderByUserId(long userId) {
+            throw new DaoException("Simulated reader failure", null);
+        }
+
+        @Override
+        public Optional<Reader> findReaderByIdentifierForUpdate(Connection connection, String identifier) {
+            throw new DaoException("Simulated reader lock failure", null);
+        }
+
+        @Override
+        public Optional<Book> findBookByIdentifierForUpdate(Connection connection, String identifier) {
+            throw new DaoException("Simulated book lock failure", null);
+        }
+
+        @Override
+        public Optional<BorrowRecord> findByIdForUpdate(Connection connection, long id) {
+            throw new DaoException("Simulated record lock failure", null);
+        }
+
+        @Override
+        public int countActiveByReaderId(Connection connection, long readerId) {
+            throw new DaoException("Simulated count failure", null);
+        }
+
+        @Override
+        public long create(Connection connection, BorrowRecord record) {
+            throw new DaoException("Simulated create failure", null);
+        }
+
+        @Override
+        public boolean decrementAvailableCopies(Connection connection, long bookId) {
+            throw new DaoException("Simulated decrement failure", null);
+        }
+
+        @Override
+        public boolean incrementAvailableCopies(Connection connection, long bookId) {
+            throw new DaoException("Simulated increment failure", null);
+        }
+
+        @Override
+        public boolean markReturned(Connection connection, long id, LocalDateTime returnedAt) {
+            throw new DaoException("Simulated return failure", null);
+        }
+
+        @Override
+        public boolean renew(Connection connection, long id, LocalDateTime dueAt) {
+            throw new DaoException("Simulated renew failure", null);
+        }
+    }
+}
diff --git a/src/test/java/com/mzh/library/service/PermissionPolicyCheck.java b/src/test/java/com/mzh/library/service/PermissionPolicyCheck.java
index 25ba4ba..4400bb2 100644
--- a/src/test/java/com/mzh/library/service/PermissionPolicyCheck.java
+++ b/src/test/java/com/mzh/library/service/PermissionPolicyCheck.java
@@ -13,8 +13,11 @@ public final class PermissionPolicyCheck {
         require(policy.allows(Role.ADMINISTRATOR, Permission.MANAGE_USERS), "administrator should manage users");
         require(policy.allows(Role.LIBRARIAN, Permission.MANAGE_BORROWING), "librarian should manage borrowing");
         require(policy.allows(Role.LIBRARIAN, Permission.MANAGE_READERS), "librarian should manage readers");
+        require(!policy.allows(Role.LIBRARIAN, Permission.BORROW_BOOKS), "librarian should not borrow as a reader");
         require(!policy.allows(Role.LIBRARIAN, Permission.MANAGE_USERS), "librarian should not manage users");
         require(policy.allows(Role.READER, Permission.VIEW_CATALOG), "reader should view catalog");
+        require(policy.allows(Role.READER, Permission.BORROW_BOOKS), "reader should view borrowing capabilities");
+        require(!policy.allows(Role.READER, Permission.MANAGE_BORROWING), "reader should not manage borrowing");
         require(!policy.allows(Role.READER, Permission.MANAGE_BOOKS), "reader should not manage books");
         require(!policy.allows(Role.READER, Permission.MANAGE_READERS), "reader should not manage readers");
     }